Lost Car Insurance Policy Number

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 4, 2020

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Here's what you need to know...

  • Without your car insurance policy number, it will be difficult to communicate with anyone if you’ve been in an accident
  • You should keep copies of your policy number in your purse or wallet, or somewhere in your car
  • Try contacting your insurance carrier to retrieve the number if you’ve lost it


You will need your car insurance policy number to file a claim, pay your bill, and possibly to make inquiries on your account.

Insured motorists should keep their current auto insurance cards in their wallets or in the glove compartments of their vehicles at all times.

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Not only will it help you to get in contact with your auto insurance agent quickly, but having your auto insurance policy card will also allow your agent to look up your account.

If you don’t have your auto insurance card, or cannot locate it on a copy of your bill, there are a few ways that you can find your car insurance policy number.

Where To Find Your Car Insurance Policy Number

Sometimes, events such as changing auto insurance providers, canceling or changing your policy details or moving to a new place of residence will leave you unable to find your car insurance policy number.

If you have an accident or are asked to provide proof of insurance by a police officer, not having your auto insurance policy number can cause you a great deal of trouble.

It would be nice to have them take your word for it, but there are a number of uninsured motorists on the road that will say and do anything to get out of similar situations.

While prevention is the best strategy to avoiding situations such as these, there are steps that you can take to locate your car insurance policy number easily.

Most car insurance companies mail out multiple copies of auto insurance policies in the hopes that it will prevent their customers from needing another copy in the future.

If you put the extra auto insurance card in a safe place, you can retrieve it when you misplace your primary copy.

Since you will probably be inside or around your car when you need to know what your car insurance policy number is, the trunk, center console, glove compartment, and door side storage areas are all good places to keep it.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Keep a Copy Of Your Car Insurance Policy Number

Making copies of your auto insurance policies is another way to safeguard against misplacing the policy number. File a few of these copies in your purse, wallet, and desk so that you can quickly locate it if you lose your auto insurance card.

Giving an extra copy to a trusted friend or relative that can be reliably contacted will also help you to feel more secure.

If you can find the phone number of your insurance agent, he or she may be able to look up your car insurance policy number by imputing your vital details into their computer.

Give your insurance your name, phone number, address, date of birth, social security number and any other identifying information that they will need to locate your policy number. Realize that computers can be fickle, so this plan may not always work.

Backup Strategies For Locating Your Car Insurance Policy Number

If you have access to the Internet, you may be able to access your insurance policy online to try to locate your policy number. Even if the policy number is not listed anywhere on your online account, you can still see it when you access a digital copy of your bill.

A copy of your auto insurance bill will often include:

Having a few copies of your car insurance bills stashed in your car and home can give you added peace of mind when you cannot locate your auto insurance card.

If you are in your car and an accident occurs, you may be able to call someone and have them relay your policy number back to you.

Alternatively, going to the car insurance company in person may be an option if they are located nearby.

If you have lost your car insurance policy number before, it would probably be a good idea to come up with a backup plan to prevent it from happening again in the future.

Not being able to certify that you are an insured motorist can make accidents and police contact extremely inconvenient.

Write down your policy number in the back of your daily planner or place it in your wallet if other plans have failed you before. Having several ways to find your car insurance policy information is the best way to make inconvenient situations more bearable.

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