Does AAA Have a Grace Period for Missed Payments?

Except in states where grace periods are mandated by law, AAA does not offer grace periods for missed car insurance payments.

Written by Jason Tushinski Reviewed by Pat Roache Updated on Jan 31, 2024

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Load full table of contents Does AAA have a grace period for late payments?

does not offer grace periods for missed payments unless you live in a state where grace periods are mandated by law. Where AAA grace periods are mandatory, they typically last up to 30 days depending on the state.

Here’s a rundown of how AAA handles late car insurance payments:

When grace periods are mandatory : If you live in a state where grace periods are mandated by law, you will be able to pay your missed or late payment within the grace period set out by your state. For example, Florida mandates 30-day car insurance grace periods, so AAA policyholders in Florida are granted grace periods of 30 days per applicable law.

When grace periods are not mandatory : If you fail to make a AAA car insurance payment by your bill’s due date and you live in a state that does not mandate grace periods, AAA will send you a notice of cancellation before terminating your car insurance policy.

Does AAA accept late payments?

AAA accepts late payments in states that mandate grace periods. The exact length of these grace periods vary by state.

If you live in a state that does not require car insurance grace periods and you miss a AAA payment, your policy may get canceled. It’s likely that AAA will send you a nonpayment cancellation letter that includes a final date to make your payment and keep your policy active. If you fail to make a payment by your policy’s final due date, your coverage will likely be canceled.

What if I get into an accident with a missed payment?

AAA policyholders who live in states with mandated grace periods will have car insurance coverage during the grace period. If you get into an accident during your grace period, you will still have coverage and can submit a claim to AAA for reimbursement.

With this said, if you miss a AAA car insurance payment, get into an accident after your premium due date, and live in a state that does not legally require grace periods, you will likely still have coverage to make a claim for the accident—as long as the final payment outlined in your cancellation letter has not yet passed.

Regardless if AAA offers grace periods in your state, insurance providers are usually legally required to provide written notice at least 30 days before canceling a policy. During that 30 day timeframe, all coverage is still valid even if the policy is up for termination due to nonpayment.