How Can I Get a New Insurance Card If I Lose Mine?

Last Updated on December 21, 2025

Losing your auto insurance card is annoying—but it’s usually an easy fix. Because many states require drivers to carry proof of insurance, it’s smart to replace your card (and save a backup) as soon as you notice it’s missing.

Below is the fastest way to get a new card, what information it includes, and what to do if you’re asked for proof before your replacement arrives.

Key Takeaways

• You can usually replace a lost insurance card instantly through your insurer’s app/online account, or by calling customer service or your agent.
• Most replacement cards are free, and many insurers can email you a temporary proof-of-insurance document the same day.
• Your insurance card typically shows your insurer, policy number, vehicle info, coverage dates, and liability limits—details you may need during traffic stops or accidents.
• Keep a paper card in your glove box and a saved digital copy on your phone so you’re not scrambling when you need proof.

How to get a new insurance card if you lose yours

Most insurers let you replace a lost card in minutes. Start with the quickest options first:

• Check your insurer’s mobile app or online account: Many companies let you view, download, and print your ID card instantly. You can often save a PDF to your phone or add the card to a mobile wallet.
• Email or chat support: Some insurers can email you a replacement card or a temporary proof-of-insurance document right away.
• Call customer service: If you can’t access your account, call your insurer and request a replacement card. They can usually mail one to your address on file.
• Ask your agent: If you bought through an agent, they can often send you a copy the same day.

Replacement cards are typically free, but policies vary by company and state. If there’s a fee, it’s usually small—and it’s worth it to avoid the hassle of being stopped without proof.

If you’re not sure what counts as an ID card (paper vs. digital), this guide to car insurance cards breaks down what insurers provide and how drivers use them.

What information is on an insurance card?

Your insurance card is basically a snapshot of your active policy. Exact layouts vary by company and by state, but most insurance cards include:

• Insurance company name and contact details
• Policyholder name
• Policy number (here’s how to find your policy number on an insurance card)
• Vehicle details (often year/make/model and sometimes the VIN)
• Effective dates (start/end dates of your coverage)
• Coverages shown on the card—commonly at least liability coverage and limits (some cards list additional coverages, some don’t)

If you’re ever in a crash or pulled over, officers and other drivers typically want the insurer name, policy number, vehicle info, and coverage dates—so keep your card accessible.

What if you’re asked for proof of insurance and you don’t have your card?

This usually happens in two situations: a traffic stop or an accident. Here’s what to do in each.

If you’re pulled over

If you have a digital copy, show that first—many states allow drivers to present electronic proof, but rules and enforcement can vary. Here’s a deeper look at whether electronic proof of car insurance is valid where you live.

If you don’t have a saved copy, try logging into your insurer’s app/portal and pulling up your ID card or declarations page. If you still can’t access anything, be honest, provide your insurer and policy details if you remember them, and ask what the officer prefers. In some cases, you may get a “fix-it” style ticket that can be dismissed or reduced once you show proof you were insured at the time.

If you’re in an accident

The other driver will usually want your basic insurance info so they can file a claim. If you can access your ID card digitally, that’s typically enough. If you need a refresher on what to do right after a crash, follow these steps to take immediately after a car accident.

If someone refuses to exchange information—or things get tense—focus on safety first, call the police if needed, and document details (photos, plate number, location, time). This guide explains what to do if someone refuses to give insurance details after an accident.

FAQs on Replacing a Lost Insurance Card

Best practices so you’re never stuck without an insurance card

• Keep two copies: one in your glove box and one at home.
• Save a digital backup: download a PDF to your phone (and/or add it to a mobile wallet) so you can access it without a signal.
• Update cards after changes: if you switch vehicles, renew, or change carriers, replace old cards so dates and vehicles match your current policy.
• Protect your info: insurance cards contain personal details. Don’t post them online, and avoid leaving them in plain view.

Bottom line: losing your insurance card is common—and replacing it is usually quick. Grab a digital copy today, request a replacement card if needed, and keep a backup so you’re covered the next time you’re asked for proof.