What are acceptable proofs of insurance?

In general, the acceptable proofs of insurance at a DMV or county tag office often include:

Commonly Accepted Proofs

• Insurance Card: This is the most common and often required form of proof to carry in your vehicle. However, be aware that for certain DMV transactions (like initial registration in some states), the physical card alone may not be sufficient because many states now rely on electronic verification.
• Electronic Proof of Insurance: Many states now accept an electronic version of your insurance card shown on a mobile device. Check your state’s rules, as a few still require a physical document.
• Insurance Binder: This is a temporary certificate of insurance issued by your insurance company, typically valid for 30 days, and is often accepted for newly purchased vehicles or new residents.
• Declarations Page: The original or a copy of the Declarations Page from your current auto insurance policy. This document provides a summary of your policy, including the effective dates and coverage limits.
• State-Specific Form/Certificate: Some states, like New York or North Carolina, may require a specific form from your insurer (e.g., a DL-123 form in North Carolina, or a New York State Insurance Identification Card).

Situations Where Electronic Verification is Key

Many states (like Georgia) now use an Electronic Insurance Compliance System where your insurance company is required to electronically report your policy information directly to the state’s motor vehicle database.

• In these states, for transactions like registration renewals, the DMV will first check the electronic database.
• Physical or digital proof is often only needed if the system does not show valid coverage (a “no hit” or “lapse” status) or for special cases.

Special Case Proofs

• Fleet Insurance: A Fleet Insurance Card that clearly states “Fleet” on it.
• Self-Insured: A Certificate of Self-Insurance issued by the state’s regulatory body.
• Military Personnel: May need to submit a copy of Military Orders and an Insurance Declaration Page if stationed out of state but registered in your home state.

Best Practice Tip:

The most reliable method is to check your state’s specific Department of Motor Vehicles (DMV) or Department of Revenue (DOR) website before your visit. A quick search for “[Your State] DMV proof of insurance requirements” will give you the most accurate and up-to-date information.