What Happens If Your Auto Insurance Lapses? 
That is a great question ! First off , it becomes illegal for you to drive in most States . The process to reinstate the policy is usually fairly straightforward , you show proof of insurability -LRB- you did n't get into an accident , get DUI 'd , or ticketed in the interim , have a major health issue , etc -RRB- , and pay the back owed amount . If that is an issue , sometimes the insurer will be willing to prorate the back owed amount over the new premium , until it is repaid . Sometimes , it is easier to just get a policy with a new company , but expect to get questioned as to why your policy was allowed to lapse , and pay a higher premium . I hope that helps , thanks for asking ! 