Have a unpaid auto insurance bill sent to collections that could affect my credit score, but I'm building credit. Will it affect my credit score?

I'm 22, and I just got my first secured credit card two weeks ago, so I'm trying to build credit. I just got a call recently for an unpaid canceled insurance bill from October being sent to collections. I think. It could affect my credit score if unpaid. I'm going to pay it tomorrow, but I'm worried it's too late, and it'll ruin my credit before I even get a report. Is it too late? I'll be so pissed