How Do I Find Out if I Have Car Insurance?

by Agnieszka Fratczak,  Oct 8 2019

Sometimes you need to know how to check your car insurance. If you’ve always relied on someone else to maintain your car insurance, such as your parents or spouse, the day may come when you have to take over. If that happens, you need to verify that you have car insurance and that payments are current.

In most U.S. states, you’re required to show proof of insurance to renew your license or car tag. And if you’re in an accident or traffic stop, you’re usually required to share your current insurance information. 

If you’re not sure whether your car is insured, it’s a good idea to find out so you’ll be driving legally and prepared to show proof of insurance when you need it. Try these four ways to find out. 

Check for an online policy

Do you know which insurance company your family or household has used in the past? If so, that can be a good place to start. Many insurance companies offer online accounts where you can log in and review, update or renew your coverage. If you know the insurance company and the email address that would be associated with your account, you may be able to log in and see if your coverage is up to date. Can’t log in but you know the insurance company you’ve used in the past? Call the company’s customer service line and they may be able to locate your policy for you. 

Search your car

Most people keep a copy of their car insurance policy or card somewhere in their vehicle. That way, it’s always available in case of an accident or traffic stop. If someone else has been keeping up with your car insurance for you, chances are they may have placed your documentation in your car too. 

Search your glove compartment, center console, and any other storage compartments in your car for insurance paperwork. Even if you find paperwork from a previous year, that gives you a starting point. You can contact the insurance company to find out if the policy has been renewed.  

Get a new insurance quote

This may sound like giving up on finding your (potential) current policy, but it’s not. When you request a new car insurance quote, most insurance agents access an online report that shows them your current insurance carrier and sometimes, whether your policy has lapsed. As long as your insurance carrier shows up on the report (and most do), the insurance agent can tell you which one it is.

Even if you find out your car insurance is valid, if the new quote offers a better price, you can choose to switch. Your former car insurance company will typically refund the amount paid on a pro-rated basis. 

Call your Secretary of State

In many states, the Office of the Secretary of State keeps records regarding car insurance. You can call or visit the office to ask if they can track down your insurance using your driver’s license number or other identifying information. 

When you find out the details of your car insurance, you may need a new policy. Even if you are covered, it’s possible you could save money (and get a refund on any payments you have already made for the current policy) by switching. Gabi can help you find the lowest rate in 2 minutes, so there’s no harm in checking to see if you can save! 

Editorial content on is not written by a licensed insurance agent. It is intended for informational purposes only and should not be considered legal or financial advice.

Editorial content on is reviewed by a licensed insurance agent. It is intended for informational purposes only and should not be considered legal or financial advice.
Written by
Agnieszka Fratczak | Linkedin
Agnieszka is a copywriter at Gabi, writing content related to auto and home insurance and personal finance since joining the company in 2019. She also published her first novel in 2018. Agnieszka has an M.A. in English from the University of Lodz in Poland.
Reviewed by
Robbie Boddy | Linkedin
Robbie is the Vice President, Head of Sales & Customer Experience at Gabi. As a licensed insurance agent, he has more than 15 years of experience in the insurance industry, joining Gabi after working with Liberty Mutual as the Assistant Vice President and Site Leader, Direct Sales and Innovation. Robbie is a member of the Chartered Property and Casualty Underwriters society and has a Master of Business Administration (MBA) from Grand Canyon University.
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