Are Digital Insurance Cards Widely Accepted?

As of 2023, nearly every US state allows drivers to show electronic proof of insurance coverage during a traffic stop. The exceptions are New Mexico, New Hampshire, and Massachusetts. In these states, drivers must provide a physical copy of their insurance card. In all other states, drivers can show their insurance card on their phone using their insurer's app or by displaying a screenshot of the card. While electronic proof of insurance is widely accepted, it is recommended to keep a physical copy of your insurance card as a backup in case of phone issues or loss of service.

All 50 US states and Washington, D.C. allow digital insurance cards

As of 2019, all 50 US states and Washington, D.C., allow drivers to show digital proof of insurance on their phones. This is a convenient, time-saving, and money-saving alternative to carrying a physical insurance card. If you are caught driving without proof of insurance, you will likely be issued a ticket and may have to go to court to prove that you are insured.

While every state now accepts electronic proof of insurance, not all states require drivers to show proof of insurance at all. For example, Massachusetts includes insurance information on vehicle registration certificates, so residents do not need to worry about a separate insurance card. Similarly, New Hampshire does not require most drivers to carry auto insurance.

Most major auto insurance companies now offer customers digital insurance cards through mobile apps. These include State Farm, Geico, and Progressive.

It is important to note that driving without insurance is different from driving without proof of insurance. Failure to show proof of insurance may result in a fix-it ticket, while a no-insurance conviction can lead to a fine and suspension of your driver's license and vehicle registration.

New Mexico is the only state that doesn't require officers to accept digital proof

As of October 2022, New Mexico is the only state that doesn't require officers to accept digital proof of auto insurance. However, this wasn't always the case. As recently as 2011, no states allowed electronic proof of insurance. But as of 2020, every state except New Mexico accepts electronic proof of insurance.

In New Mexico, drivers are required to carry proof of insurance in their vehicles at all times. Failure to provide proof of insurance typically results in a fix-it ticket, which doesn't affect car insurance rates much, if at all. However, a no-insurance conviction can result in a big fine and a suspension of your driver's license and vehicle registration.

The ability to present electronic proof of insurance is not only convenient but also a time and money saver. If you are pulled over without proof of insurance, you will likely have to go to court to show a judge that you are actually covered, which often means paying a court fee and taking time off work.

Some people prefer physical copies to avoid phone damage or technical issues

As of 2023, nearly every state in the US allows drivers to show electronic proof of insurance coverage during a traffic stop. This is a convenient alternative to carrying a physical insurance card, as it can be easily accessed on a smartphone or tablet computer. Major auto insurers now offer customers the option to display their ID cards using a mobile app.

However, some people still prefer to carry physical copies of their insurance cards to avoid potential issues with phone damage or technical problems. For example, if a phone is damaged or malfunctions, an individual may not be able to access their electronic insurance card when needed. Having a physical copy ensures that proof of insurance is always readily available, especially in situations where providing such documentation is required, such as when registering a vehicle or renewing a license plate at the DMV.

Additionally, there may be instances where electronic proof is not accepted or recognised, such as when dealing with repair shops or inspection stations. In these cases, having a physical copy of insurance can save time and potential hassles. It is also worth noting that while law enforcement officers in most states are required to accept electronic proof, they may not be liable for any damage to a phone that occurs while reviewing electronic documentation.

Furthermore, there are valid privacy concerns associated with handing over one's phone to law enforcement officers. Some individuals may be uncomfortable with the idea of an officer having access to their device and potentially scanning through personal information. By carrying a physical copy, individuals can provide the necessary documentation without compromising their privacy.

While electronic proof of insurance is widely accepted, maintaining a physical copy can serve as a useful backup option to address potential challenges associated with phone damage, technical issues, or situations where electronic proof may not be recognised or preferred.

It's important to have proof of insurance when pulled over, in an accident, or registering a car

When you are pulled over by the police, they will typically ask for your driver's license, proof of insurance, and vehicle registration. In most states, you are required by law to have automobile liability insurance and to carry proof of insurance in your vehicle. Failure to provide proof of insurance when requested can result in a ticket, fines, and other penalties, even if you have a valid insurance policy.

In the event of an accident, having proof of insurance is crucial. If you are at fault for the accident, you will be responsible for the costs of any damage or injury to the other party. Additionally, you may face legal consequences, such as fines or even jail time, if the accident results in serious injury or death. Having valid proof of insurance can help expedite the process of filing a claim and ensuring that the necessary expenses are covered.

When registering a car, you may also need to provide proof of insurance to the relevant authorities. This is to ensure that you meet the minimum auto liability requirements in your state. In some cases, additional documentation, such as an SR-22 or FR-44 form, may be required, especially if you have a history of traffic violations or driving under the influence.

It's worth noting that almost all states in the U.S. now accept electronic proof of insurance. Major auto insurance companies provide digital insurance cards that can be accessed through smartphone apps or downloaded and printed. However, it's always a good idea to keep a physical copy of your insurance card in your vehicle, as well.

You can get a physical copy by requesting it from your insurance company or printing it

If you are unable to find your auto insurance card, you can obtain a physical copy by requesting it from your insurance company or printing it. Here are the steps you can take:

Contact Your Insurer

You can call or email your insurance agent directly and request that they send you a copy of your auto insurance card. They will be able to arrange to mail you a copy, or you can pick it up in person at their office. Be sure to provide your policy number, name, and any other details to verify your identity.

Visit Your Insurer's Website or App

Many insurance companies offer digital services that allow you to access and download your insurance documents, including your auto insurance card. You can log in to your account on their website or mobile app and print a copy yourself.

Print a Copy

If you have a digital copy of your insurance policy, you can simply print it out yourself. Remember to always carry this copy with you in your vehicle, as some states may ask for physical proof of your insurance.

It is important to note that while almost all states allow electronic proof of insurance, there are a few exceptions. As of 2023, New Mexico does not accept digital proof of insurance, so it is important to check the laws in your state.

Having a physical copy of your auto insurance card is essential to meeting state laws and avoiding penalties. You may need to provide proof of insurance when you are pulled over by the police, in an accident, registering a new vehicle, or renting a car.

Frequently asked questions