{"id":4676,"date":"2024-11-06T06:57:01","date_gmt":"2024-11-06T14:57:01","guid":{"rendered":"\/wp-site\/?p=4676"},"modified":"2025-02-27T03:23:57","modified_gmt":"2025-02-27T11:23:57","slug":"geico-grace-period","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/geico-grace-period\/","title":{"rendered":"Geico Grace Period for Missed Payments"},"content":{"rendered":"\n<blockquote class=\"wp-block-jerry-key-takeaway border-primary flex flex-col rounded bg-gray-50 p-6 border-l-4\"><div class=\"flex flex-col md:block md:space-x-1\"><span class=\"has-primary-color text-lg font-semibold\">Jerry Summary<\/span><span class=\"text-gray-900 text-base\"><\/span><\/div><div class=\"jerry-block-content\" contentclassname=\"text-gray-900 text-base\">\n<p>Geico offers a brief safety net \u2014 or grace period \u2014 if you miss an auto insurance payment, allowing your insurance coverage to remain active. If you receive a cancellation notice, you&#8217;ll typically have two weeks to get your payments back on track before your coverage will lapse.<\/p>\n<\/div><\/blockquote>\n\n\n\n<p>Geico&#8217;s grace period for missed payments depends on your payment method. According to the insurer&#8217;s customer service:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you are enrolled in autopay, you can postpone your payments by nine days.<\/li>\n\n\n\n<li>If you miss a payment, Geico will send you a cancellation notice with about 14 days to pay before the policy lapses.<\/li>\n<\/ul>\n\n\n\n<p>While <a href=\"\/reviews\/car-insurance\/geico\/\">Geico<\/a> doesn\u2019t typically refer to it as a such, these policies function as grace periods because you are still covered for a period of time after your payment is missed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-happens\">What happens during Geico\u2019s grace period?<\/h2>\n\n\n\n<p>If you fail to make a <a href=\"\/car-insurance\/\">car insurance<\/a> premium payment by your due date, Geico does not cancel your coverage immediately. Instead, the insurer will send a cancellation notice with a final date to make the payment. In most cases, this gives you an additional two weeks to bring your account back to current.<\/p>\n\n\n\n<p>During this time, your coverage remains in force and the same. You can still <a href=\"\/car-insurance\/car-insurance-claim\/\" data-type=\"car-insurance\" data-id=\"23084\">file a claim<\/a> if you get into an accident, and any additional coverages or services attached to your policy \u2014 like roadside assistance or <a href=\"\/car-insurance\/rental-car-insurance\/\" data-type=\"car-insurance\" data-id=\"6635\">rental car insurance<\/a> \u2014 can still be utilized.<\/p>\n\n\n\n<p>If you pay before the cancellation date, your coverage will continue. However, you may incur a late fee.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"trouble-with-payments\">If you\u2019re having trouble making payments<\/h2>\n\n\n\n<p>If you missed your Geico insurance payment or are struggling to pay your premium on time, take steps now to prevent a <a href=\"\/car-insurance\/insurance-lapse\/\">coverage lapse<\/a> in the future.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Autopay: Postpone your payments<\/h3>\n\n\n\n<p>Geico allows policyholders to postpone automatic monthly payments. This must be done 11 or more days before the due date. To postpone a payment, open the Billing tab in the Geico mobile app and choose Postpone Payment to make a one-time change to your payment schedule.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Autopay: Updating banking status<\/h3>\n\n\n\n<p>If you\u2019re enrolled in autopay and missed a payment due to a change in your billing information or a low bank balance, update your information online or in the mobile app. You can also authorize a new payment in your Geico account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Shop for a lower rate<\/h3>\n\n\n\n<p>The rate you&#8217;re paying with Geico might not be the lowest rate currently available to you. Compare <a href=\"\/car-insurance\/car-insurance-quotes\/\">car insurance quotes<\/a> from at least three other insurers to see if you can find <a href=\"\/car-insurance\/cheap-car-insurance\/\">cheap car insurance<\/a> elsewhere.\u00a0<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">Jerry finds quotes from 50 insurance partners fast.<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">COMPARE QUOTES<\/a><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">How to pay Geico after a missed payment<\/h3>\n\n\n\n<p>There are a few options to make a late payment before your policy is cancelled.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Use your cancellation notice<\/strong>. Mail payments to the address shown on your cancellation notice. For most drivers, this is Geico Remittance Center, P.O. Box 70775 Philadelphia, PA 19176-0775.\u00a0<\/li>\n\n\n\n<li><strong>Pay online<\/strong>. If you know your Geico user ID or policy number, you can <a href=\"https:\/\/www.geico.com\/information\/make-a-payment\/\" target=\"_blank\" rel=\"noreferrer noopener\">pay your bill online<\/a>.\u00a0<\/li>\n\n\n\n<li><strong>Use the Geico app<\/strong>. If you have the Geico mobile app on your phone, you can pay your bill directly in the app.\u00a0<\/li>\n\n\n\n<li><strong>Pay by phone<\/strong>. Call 800-932-8872 to make a phone payment to Geico and store your billing information for future use.\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Check the date<\/h3>\n\n\n\n<p>To avoid a coverage lapse, make sure any payments are received on or before the cancellation date listed on your notice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-if-geico-cancels\">What to do if Geico cancels your policy<\/h2>\n\n\n\n<p>If you do not pay Geico before the final cancellation date, your policy will usually be cancelled due to nonpayment. Lapsed coverage is a problem for a few reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You will likely no longer meet your state&#8217;s minimum auto insurance coverage requirements.<\/li>\n\n\n\n<li>If you&#8217;re in an <a href=\"\/car-insurance\/at-fault-accident\/\" data-type=\"car-insurance\" data-id=\"1391\">at-fault accident<\/a>, your now-inactive policy won&#8217;t provide you with <a href=\"\/car-insurance\/bodily-injury-liability\/\" data-type=\"car-insurance\" data-id=\"6099\">bodily injury<\/a> or <a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\" data-type=\"car-insurance\" data-id=\"6809\">property damage liability<\/a> protection.<\/li>\n\n\n\n<li>If your vehicle is damaged or stolen, you&#8217;ll pay out-of-pocket to repair or replace it, versus tapping any <a href=\"\/car-insurance\/comprehensive-insurance\/\" data-type=\"car-insurance\" data-id=\"9454\">comprehensive<\/a> or <a href=\"\/car-insurance\/collision-insurance\/\" data-type=\"car-insurance\" data-id=\"6347\">collision insurance<\/a> coverage.<\/li>\n\n\n\n<li>Drivers with coverage gaps may pay higher premiums on future policies.<\/li>\n<\/ul>\n\n\n\n<p>It&#8217;s important to act fast to restore your coverage, especially if you need to continue driving.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Option 1: Call Geico and ask about reinstatement<\/h3>\n\n\n\n<p>If you\u2019re able to make a payment, Geico may agree to reinstate your coverage even after cancellation. This isn\u2019t guaranteed and you may pay a higher rate upon reinstatement due to your coverage lapse, but it&#8217;s worth asking. Even a lapse of a few days can cause your premium to rise significantly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Option 2: Shop for same-day coverage<\/h3>\n\n\n\n<p>If you\u2019re not able to reinstate your Geico policy or your rates are too high upon reinstatement, the best option is to shop for <a href=\"\/car-insurance\/same-day-car-insurance-california\/\" data-type=\"car-insurance\" data-id=\"1456\">same-day coverage<\/a> from a new insurer. Compare quotes from as many insurers as possible to find the <a href=\"\/car-insurance\/best-car-insurance-companies\/\">best car insurance<\/a> rates for your profile. Be sure to also consider smaller insurers and companies that specialize in coverage for high-risk drivers.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Xuyun.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Xuyun.png 250w, \/wp-content\/uploads\/2024\/11\/Xuyun-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Xuyun-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Xuyun-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Xuyun Zeng            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Kevin-Berry.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Kevin-Berry.png 250w, \/wp-content\/uploads\/2024\/09\/Kevin-Berry-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Kevin-Berry-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Kevin-Berry-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Kevin Berry            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance\/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Geico only provides a nine-day postponement of payments if you are enrolled in autopay. If not, you will get a cancellation notice with about two weeks of leeway.<\/p>\n","protected":false},"author":53,"featured_media":53822,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"39\",\"type\":\"main-author\"},{\"id\":\"187\",\"type\":\"editor\"}]","jerry_author_ids":[39],"jerry_idx_page_label":"","jerry_meta_desc":"Geico only provides a nine-day postponement of payments if you are enrolled in autopay. If not, you will get a cancellation notice with about two weeks of leeway.","jerry_related_posts":"[29872,13214,27459,23024,3843]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"categories":[],"tags":[31],"class_list":["post-4676","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/4676","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/53"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=4676"}],"version-history":[{"count":12,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/4676\/revisions"}],"predecessor-version":[{"id":61654,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/4676\/revisions\/61654"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/53822"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=4676"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=4676"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=4676"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}