How to Get a Copy of Your Auto Insurance Card in 2024 (Follow These 4 Steps)

Your insurance certificate is a card companies send you after buying a policy. Many states require physical proof of insurance, so always keep it in your wallet or glove compartment.

If you’re thinking, “I lost my car insurance card. What should I do?” Keep reading to learn how to get a copy. You can also enter your ZIP code above to compare car insurance rates.

4 Steps to Get a Copy of Your Auto Insurance Card

Replacing a lost car insurance card is simple and can be done in a few easy steps. From contacting your insurer to accessing their website or app, you’ll have your new card in no time. Here’s a quick guide to help you get started.

Step #1: Contact Your Insurer

In addition to almost every state requiring a minimum amount of auto insurance, many states require drivers to carry physical proof of insurance.

Many states require drivers to carry physical proof of auto insurance, like a card that contains details such as the policy number on the insurance card. If you cannot present this card when law enforcement asks, it could result in exemplary or other penalties. If you’re asking where to find the policy number on an insurance card, it’s typically listed on the front, alongside your name, vehicle information, and the insurer’s contact details.

If you’re wondering where the policy number is on an insurance card, it is typically listed on the front, alongside your name, vehicle information, and the insurance company’s contact details.

In some states, you could face penalties if you cannot produce physical proof of auto insurance, such as an insurance card from your insurer, even if you have the required auto liability coverage. This means that it is essential that you retain a copy of your proof of insurance whenever you drive your vehicle.

Laws vary by state on this issue. However, it is always best to be able to produce proof of insurance immediately if you are involved in a car accident. Even if your state does not require physical proof of insurance, this can help expedite the process of filing and resolving your claim after a car accident.

If your insurance information isn’t up to date, you should fix it immediately.

Many state laws require insurance companies to notify the state Department of Motor Vehicles if a driver has canceled or not renewed their policy.

If you don’t have a copy of your insurance card, you can call your insurance company immediately to get an instant auto insurance card if you’d prefer to request a copy over the phone.

Maintaining proof of insurance is vital to managing your auto insurance policy and meeting state auto insurance laws. Contact your insurance company or utilize its digital services to get a copy of your car insurance proof.

Penalties for Not Having Proof of Auto Insurance Under State Laws

The laws of each state differ regarding the penalties that can be imposed on drivers who fail to produce proof of valid auto insurance.

States have steadily increased fines for drivers who do not carry the required minimum auto insurance because they want to encourage every driver to have financial responsibility in assuming the risk of driving a car.

Check out the table below to see what your state’s penalties are for driving without car insurance:

Penalties for Driving Without Auto Insurance by State

The National Association of Insurance Commissioners has been championing efforts of states to maintain and increase strict penalties for drivers who do not comply with auto insurance laws. They say this is the most effective way to ensure drivers do not drive without the proper auto insurance.

For example, the laws in North Carolina tend to be the strictest in penalizing drivers for not complying with auto insurance laws. The National Association of Insurance Commissioners found that North Carolina had the highest rates of auto insurance compliance by drivers in 1989, with 96.6% of drivers maintaining at least the required coverage.

There are extreme penalties for failing to comply with state insurance laws.

Drivers may have their driver’s licenses suspended or revoked. In some instances, they can also face jail time. It is also possible that your car could be impounded for failure to comply with auto insurance laws.

The penalties increase for each subsequent offense and could eventually make it more difficult for you to get auto insurance from an insurance company.

The cost of not complying with state auto insurance laws is so high, so it is worth the small effort to ensure you have a copy of your insurance card. You should also retain a copy of your actual auto insurance policy. If you’re wondering, where is the policy number on an insurance card? It is typically listed on the front, alongside your name, vehicle information, and the insurance company’s contact details.

Learn How to Get a Copy of Your Car Insurance Card Today