Can you show proof of insurance on your phone in Texas?
Asked by: Dr. Gerda Hammes MD | Last update: April 3, 2025Score: 4.9/5 (48 votes)
Can you use your phone app as proof of insurance?
Can you present digital proof of insurance? Yes, you can provide a picture of your vehicle's insurance information. California Vehicle Code 16028 states, “The evidence of financial responsibility may be provided using a mobile electronic device.”
What counts as proof of insurance in Texas?
You can show proof of insurance on your phone if you can pull up the insurance card for your car on your insurance company's mobile app. To be safe, it is a good idea to have a paper copy of your insurance card in your vehicle at all times.
How to get proof of insurance on your phone?
Some insurers, including Progressive, provide a digital insurance card that you can access on a smartphone or tablet via an app or by logging in to your account. Nearly every state allows you to show that electronic proof of insurance on your phone (your digital ID card).
Do you have to carry an insurance card in Texas?
As a driver in Texas, you are legally required to carry auto insurance coverage at all times. One way to prove that you have the required coverage in place is through your auto ID card. It's a small document that can provide you with a great deal of protection when you're out on the road.
Proof of car insurance now on your smartphone
Can I have my insurance card on my phone in Texas?
Yes, due to the amendment of Transportation Code Section 601.053, the DMV in Texas will allow you to use electronic proof of insurance as an acceptable method of proof. This may be a requirement for drivers looking to register a new vehicle or renew vehicle registration.
Does proof of insurance need to be printed?
As of October 2022, 49/50 states and Washington D.C. allow for digital proof of auto insurance rather than a printed paper ID card. The only state not currently included is New Mexico which means in Oklahoma it is perfectly acceptable, and legal, to use an electronic copy on your phone.
Can I show proof of insurance on my phone in Texas for inspection?
Texas passed legislation allowing drivers to show proof of liability insurance on their cell phone. A bill introduced by Sen. Glenn Hegar, R-Katy has passed now allowing Texans to show proof of Auto Liability insurance on their cell phone or wireless device.
How do I get my insurance card on my phone?
On the mobile app:
Download the mobile app from the Blue Shield of California mobile app from the App Store® or Google Play.™ Log in using your Blue Shield member account username and password. Press the ID card icon at the top of the screen.
What happens if you have insurance on your phone?
A phone protection plan typically helps pay to repair mechanical issues or accidental damage. Some protection plans may include additional coverage, such as phone insurance that helps pay to replace your phone after it's lost or stolen.
What is the minimum car insurance in Texas?
In Texas, you must have at least $30,000 in liability coverage for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25.
What happens if I don't add my teenager to my car insurance?
Failing to add your teenager to your auto insurance can lead to coverage denial, legal penalties and policy cancellation. Lack of driving experience and perceived higher risk contribute to higher car premiums for teen drivers.
How much is a ticket for no insurance in Texas?
For a first offense, a fine ranging from $175-$350. For a second offense, a fine ranging from $350-$1,000 and suspension of the person's driver's license until the driver provides proof of responsibility. An annual responsibility surcharge of $250 per year for the next three years.
Can I take out insurance on my phone?
You can buy a special insurance policy to cover your phone this is often called gadget insurance and there are lots of policies on offer.
Do you need to carry your car registration?
Answer: Yep, you're supposed to have your registration and insurance documents in your vehicle when you drive, but the crime prevention folks will tell you it's a bad idea to leave them there when you're not with the car.
Does your insurance go up for being on your phone?
If you get a ticket for distracted driving, including texting and driving, many insurers will raise your rate like they would for any minor moving violation. If your rate goes up, it won't happen until it's time to renew your policy. Find out how your motor vehicle record can impact your car insurance.
Can I just have proof of insurance on my phone?
Can you present digital proof of insurance? Yes, you can provide a picture of your vehicle's insurance information. California Vehicle Code 16028 states, “The evidence of financial responsibility may be provided using a mobile electronic device.”
Is insurance card on phone OK?
From 1 January 2025, UK motorists can use a digital Green Card on a mobile device as proof of valid motor insurance, instead of carrying a printed copy, when taking a vehicle to any country in the Green Card system.
How can I get my insurance information without a card?
Check for Digital Options: Some insurance companies send your member ID and group number in emails or welcome letters. You can use these details with your healthcare provider until you receive your physical card. Also, many insurers let you create an account on their website to download or print a temporary card.
Is Texas doing away with vehicle inspections?
Beginning January 1, 2025, non-commercial vehicles will no longer need a vehicle safety inspection prior to registration. However, all non-commercial vehicles in the state will be subject to a $7.50 inspection program replacement fee.
Do I need a physical copy of insurance for inspection?
Most vehicle inspections will require proof of insurance to pass — and most states require insurance to legally drive on the road.
Can you pass an inspection with squeaky brakes?
Brakes are also one of the items the state inspector will be looking at. If you have noticed any squealing or grinding you may need brakes, have a pre-brake inspection done so there are no surprises when you go to get it inspected.
Can I show a picture of my insurance card?
Proof of insurance can be in electronic form, meaning text-based or imaged-based content that can be shown on a computer or other digital device. So a photograph of the actual insurance card or screen shot is sufficient.
How do you create proof of car insurance?
The most common form of proof is a card mailed to you by your insurance company or printed out. It will include your policy number and details about you and your vehicle. Some car insurance companies provide the option of showing electronic proof of insurance.
Do you need to keep paper copies of insurance policies?
Generally, you should keep most insurance documents for at least as long as the policy is in effect or, if your policy has ended, until any still-open claims are settled.