How to Find Your Car Insurance Number
Find out if you’re getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
Your car insurance is extremely important, but just like your health insurance and your credit or debit card, the pertinent information is usually just a number on a small card. That number is vital every time you get in your car.
There are a few different times when you need to know your car insurance number, so it’s highly important to always know where to find the policy number on an auto insurance card. And while you’re at it, it’s good to know how to find your car insurance policy number even without the card, because that insurance card has a way of disappearing when you need it most.
Here’s everything you need to know about finding your auto insurance policy number.
When You Will Need Your Car Insurance Number
As important as your car insurance is, there are only a few different times when you actually need your auto insurance policy number. Perhaps the most necessary is when you’re involved in a car accident. When an accident occurs, you’ll need to exchange insurance information with the other people involved in the collision, so having your car insurance number is absolutely necessary.
It’s also very important when you’ve been pulled over by the police. Unless you live in New Hampshire or Virginia, it is illegal to drive a car without insurance. If you’re pulled over for any reason, the officer is likely to ask you for your insurance information.
Finally, anytime you contact your insurer, you’ll want to have your car insurance number on hand to make things quick and easy.
How to Find the Auto Insurance Policy Number on an Insurance Card
Car insurance cards usually have two numbers on them. The first is the vehicle identification number (VIN). The VIN is a 16-character, alphanumeric identifier specific to your car. It is not your policy number.
The second number is shorter than the VIN (anywhere from eight to 13 characters). It’s often just numbers, but sometimes has letters as well, and often the characters are separated by dashes. This is your car insurance policy number.
The length of your insurance number can depend on your insurer, but it will always be shorter than the VIN. It will almost always say “Policy number” in front of it.
How to find the policy number without an insurance card
If you’ve lost your car insurance card, you should get it replaced as soon as possible. However, there are still plenty of ways to find your policy number, even if you don’t have the card.
Car insurance apps are very popular these days. If you create an account on such an app, you can have a virtual insurance card right on your smartphone. Most police officers and highway patrol officers will allow you to use a virtual insurance card, but you should still always keep a hard copy of your insurance card when you’re driving. To find your policy number on your smartphone, log into your insurance app, go to your account or to your virtual card, and the policy number should be listed right there.
You can also find the policy number on any paper statements from your insurance company. The declaration page, which has all the information about your insurance policy, will always have the policy number listed on it. You’ll also find the policy number listed on any bills from your insurer. The number should be listed on this paperwork as “Policy number,” but if you can’t find that, it will just be your account number.
Finally, you can get the policy number by calling your insurer, though it can be a little bit of a hassle. You’ll have to verify your identity, likely by providing your social security number or driver’s license. You’ll also probably have to provide the VIN for your car, which you can find on the inside of the driver’s door panel.
As long as you have that information, and are willing to sit on the phone for a while, you’ll be able to get your policy number directly from the insurer.
It’s not hard to find your policy number. It’s right there on your car insurance card, and even if you lose your card, there are plenty of ways to access the number. Just make sure you always have it at the ready when you get behind the wheel.