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How can I check if my car insurance is still valid?

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Here's what you need to know...
  • Check your online insurance account or call your current agent to see if you still have valid car insurance
  • Look for your most current insurance cards in your purse, wallet and glove box
  • If you are borrowing a car, as the owner of the car if it is insured
  • If you do not own a car, you can purchase non-owners car insurance by using a comparison tool
  • If you do own a vehicle, use a comparison tool to purchase a new standard policy

If you can’t remember the last time you paid your car insurance bill or received a notification from your car insurance company, you may be wondering if your car insurance is still valid.

To check, you can call your current insurance agent or view your online account.

If you can’t remember the details for your online account or the name of your agent, you can always look for your last insurance statement or check your bank account for recent car insurance drafts.

If you find a cancellation letter or a letter indicating that your car insurance expired, you can quickly purchase a new policy by using an insurance comparison tool.

Insurance is required in order to drive legally. If you do not know if your car insurance is valid or current, you should not drive a car until you find out.

Driving without insurance can result in stiff penalties and fines. If you get pulled over by police for driving without insurance, your car could be impounded.

Use our FREE comparison tool above to find car insurance that fits your budget!

Find Out if You Have Car Insurance Before You Drive


It is absolutely imperative that you find out if you have car insurance before you get behind the steering wheel of a vehicle.

Thankfully, there are several ways to find out in you have a valid insurance policy:

  • Sort Through the Papers  If you are like most drivers, you received your new policy cards and stashed one in your glove box along with your car’s registration and put the other card in your purse or wallet. Open your glove box and sort through your papers. If you don’t find your insurance card in your glove box, check your wallet or purse
  • Contact Your Insurance Company You can call the insurance company you’ve most recently done business with and ask them to verify that you have existing coverage. They will most likely need you driver’s license number and address. Once you’ve given them the necessary information, they should be able to tell you whether you have a valid policy
  • Get a CLUE Report – CLUE stands for Comprehensive Loss Underwriting Exchange. This service is provided for free and various states, like Washington, offer information and advice about obtaining a CLUE report. If filling out the paperwork for a CLUE report seems daunting, you can request a car insurance quote by using a comparison tool
  • Ask the Owner of the Vehicle If you are borrowing a car from a family member or friend, you can simply ask them if the car is insured and who is considered insured while driving the vehicle. You may even want to ask to look at their insurance cards and insurance policy. If the owner of the car refuses, you can get a non-owner car insurance policy

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Non-Owner Car Insurance

Not owning a car does not exempt you from the responsibility of driving with insurance.

You will need an insurance policy every time you borrow a car in order to drive legally.

For instances such as these, there is non-owner car insurance.

Non-owner car insurance follows the driver instead of the car. To find a non-owner car insurance policy, you can use an insurance comparison tool.

Getting a New Car Insurance Policy


If you own a vehicle and find out that your car insurance policy lapsed, expired or was canceled, you will need to purchase a new policy as soon as possible.

Thankfully, a comparison tool can help you quickly find and sort through various insurance policies and carriers.

Once you choose the policy that best fits you and your driving habits, you can usually purchase it online.

Regardless of how you determine if you have valid insurance, you cannot drive a vehicle legally without it.

You must either find your valid insurance cards or check with your insurance carrier, local DMV or insurance website for your particular state or purchase a new policy by utilizing an auto insurance comparison tool.

Enter your zip code into our FREE comparison tool below to compare rates from multiple providers!

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