Michelle is a writer, editor and expert on car insurance and personal finance. She's a former CarInsurance.com editorial director. Prior to joining CarInsurance.com, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.
Just about every state now allows drivers to show electronic proof of insurance coverage during a traffic stop. The exception, as of October 2022, is New Mexico.
Written by: Michelle Megna Contributing ResearcherMichelle is a writer, editor and expert on car insurance and personal finance. She's a former CarInsurance.com editorial director. Prior to joining CarInsurance.com, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.
Table of Contents Table of ContentsRather than root around in your glovebox for an insurance card (that you may or may not have remembered to replace with the new one), you simply hand the officer your phone.
Auto insurance companies, including State Farm, Geico and Progressive, provide customers with a digital insurance card that’s accessible on a smartphone or tablet computer.
Driving without proof of insurance is very different from driving without insurance.
Failure to provide proof of insurance typically results in a fix-it ticket that doesn’t affect car insurance rates much, if at all.
A no-insurance conviction is very different and can result in a big fine and a suspension of your driver’s license and vehicle registration, though the penalty for driving without insurance varies by state.
The fine for lapsed insurance coverage varies by state. The following table shows the rate for New York:
1 to 30-day lapse: $8 a day
31 to 60-day lapse: $10 a day
61 to 90-day lapse: $12 a day
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Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Michelle is a writer, editor and expert on car insurance and personal finance. She's a former CarInsurance.com editorial director. Prior to joining CarInsurance.com, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.
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Advertised example rates are returned based on the driver's self-reported data and the driver meeting certain criteria. Also, safe driver and other discounts may have been applied to achieve the advertised rate, which may not be available to the average consumer. Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data.
