Where to Find the Policy Number on an Insurance Card

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Bonnie Stinson · Writer · Apr 23, 2021
TABLE OF CONTENTS
  • How to find the policy number on an insurance card
  • What is a policy number?
  • Situations where you’ll need your car insurance policy number
  • Situations where you might need someone else’s car insurance policy number
  • What information does my insurance card contain?
  • Where do I get proof of insurance?
  • What else can I use as proof of insurance?
  • How to find cheap car insurance
Your policy number typically lives at the top of your ID card or insurance document. It’s unique to you and it proves that you have coverage.
Police officers and insurance agents use this card to verify your coverage. You might need to find this quickly if you get pulled over or find yourself in an accident. Here’s what you need to know about policy numbers and when you might need yours.
If you don’t want to make room in your wallet for your insurance card, the car insurance comparison shopping app Jerry provides its users with digital proof of insurance so you’ll always have your number on hand.
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How to find the policy number on an insurance card

On your card or your billing statement, look for a number at the top that’s between nine and 13 digits long. It may start with a letter in some states. That’s your policy number.
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What is a policy number?

It’s like an ID number. It’s a coded way of referring to you and the car insurance policy you’ve purchased.
The policy number on an insurance card is shorthand. Usually, ID cards don’t list the full complexities of your coverage, like the types or amounts. Instead, the number is a placeholder for all the different coverage levels you’ve purchased.
You will have different policy numbers for your car insurance, home insurance, etc.—even if you purchase them through the same company.
There’s no need to memorize your policy number!
You will need to keep your ID card in the vehicle as proof of insurance whenever you drive. The number on the card can be verified by police to confirm you’re covered. If you lose it, just contact your provider and they can help you locate your ID number or re-issue an ID card.
MORE: Can I get one day car insurance?

Situations where you’ll need your car insurance policy number

You’ll need to give proof of insurance at the DMV, to a police officer, to a lender, and if you’re in a car accident.
Typically, the policy number on your card is all someone needs to verify coverage and take the next steps.
By showing your ID card, you’re proving that you have car insurance. Put your proof of insurance somewhere easy to find. This will make an accident less stressful.
MORE: The top 10 cheapest cars to insure

Situations where you might need someone else’s car insurance policy number

If you’re in an accident, make sure you get the other party’s policy number and insurance provider.
You should exchange insurance information with everyone involved, no matter who caused the accident or how serious it was. Take photos of their documentation and double-check to make sure it’s not blurry.
Without this information, you could be on the hook for out-of-pocket repair costs and medical expenses that would have otherwise been covered by another driver’s policy.
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What information does my insurance card contain?

Your card contains insurance information that is unique to you and your policy.
  • The insured person’s name and address (or people, if multiple drivers are insured)
  • The insurance company name
  • The vehicle’s year and make
  • Effective dates (usually a six or 12-month term)
  • Policy number
Your card doesn’t usually list the types of coverage or amounts of your policy. You’ll have to call your agent or look in your records to confirm this information.
You are required to keep proof of insurance on hand in the vehicle at all times. It’s a legal requirement (unless you’re in New Hampshire).
MORE: Types of car insurance

Where do I get proof of insurance?

Once you buy a policy, your insurance company will automatically send you a physical document as proof.
You’ll receive a piece of paper for your files along with a small ID card (or two) to carry in your wallet or glove box.
You can often get digital proof of insurance, if you download the company’s app or log onto their website. Not all states accept digital proof of insurance, so make sure it’s permitted where you live.
Jerry provides its users with digital proof of insurance, so you never have to worry about losing that tiny ID card again.

What else can I use as proof of insurance?

There are no legal substitutes to physical or digital insurance cards.
Not even a receipt or a declaration document will suffice. You need to carry official proof of insurance in your vehicle at all times—no substitutes!
That being said, it’s not too difficult to replace a card if you lose it. Just don’t drive until you can get your new copy. Or get Jerry and have a digital copy that never needs replacing or waiting around.
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How to find cheap car insurance

If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of the paperwork, the phone calls, and even cancels your old policy—oh, and it’s free!
Jerry is especially awesome because it provides digital proof of car insurance right on your mobile app.
You could find a cheaper policy and get a digital ID card to prove it. Did we mention that the average Jerry user saves $879 a year on car insurance? Try Jerry for free today.
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This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!