What states do not allow electronic proof of insurance?

Asked by: Prof. Solon Rolfson V  |  Last update: August 7, 2025
Score: 4.3/5 (69 votes)

According to Allstate, the only state that currently doesn't accept digital proof of insurance is New Mexico. All 49 other states and the District of Columbia will allow drivers to show physical or digital proof of insurance.

Which states don't accept digital insurance cards?

The only state in which electronic proof of insurance is not explicitly accepted is New Mexico.

Does Florida accept electronic proof of insurance?

When an officer pulls over a driver in Florida, there will be no more riffling through the glove compartment for the current copy of an insurance card. Florida drivers will now have the option to give proof of their auto insurance electronically or show their paper insurance card.

Does proof of insurance need to be printed?

Nearly every state and the District of Columbia allow electronic proof of insurance. Massachusetts is the only state that doesn't require drivers to carry proof of insurance since state laws require insurance information to be printed directly on the car's registration.

Does NY accept electronic proof of insurance?

Your New York State Insurance Identification Cards and the electronic notice of insurance together verify your insurance coverage. DMV needs both.

Electronic Proof of Insurance and the Crime That Doesn't Exist

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Does Texas accept electronic insurance?

Paper insurance cards or electronic ones both act as proof of insurance to the Texas Department of Vehicles and the local and state police if an officer pulls you over. To obtain or renew a driver's license in the State of Texas, you must produce proof of insurance for each vehicle that you own.

Does New York Department of State accept electronic signatures?

Electronic signatures are equal to paper signatures in New York State. The Electronics Signatures and Records Act (ESRA) guarantees this state-wide.

Do police accept digital insurance cards?

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 states do you need proof of insurance?

Almost every state in the U.S. requires drivers to have some form of car insurance. The only state that doesn't require car insurance is New Hampshire. Instead, drivers must prove they have enough funds to cover any costs if they cause an accident.

Does Massachusetts accept digital proof of insurance?

All 49 other states and the District of Columbia will allow drivers to show physical or digital proof of insurance. It's also worth noting that Massachusetts drivers have proof of insurance included on their vehicle's registration documentation.

Does Michigan accept electronic proof of insurance?

The law allows residents and motorists to "display[] an electronic copy of his or her certificate of insurance upon request." The law prohibits the police officer from looking at other apps or information on the person's smartphone, although the officer may be permitted to take the phone to a safer location to verify ...

Does Ohio accept electronic proof of insurance?

With the passage of Ohio Senate Bill 255, effective March 23, 2015, Ohioans can officially use an electronic version of proof of auto insurance.

Does Georgia accept electronic proof of insurance?

The state of Georgia does not consider an insurance card to be acceptable proof of auto insurance coverage. Because these cards can be copied, falsified or transferred between vehicles, Georgia uses an electronic verification system known as GEICS or Georgia Electronic Insurance Compliance System.

Is electronic proof of insurance accepted in Florida?

Florida is joining the ranks of 29 other states and allow drivers to show law enforcement officers their proof of automobile insurance through their cell phone and other electronic means.

How many states accept digital ID?

Arizona, California, Colorado, Delaware, Georgia, Hawaii, Iowa, Louisiana, Maryland, Mississippi, Missouri, New York, Ohio and Utah, as well as Puerto Rico. Oklahoma and Florida have released mobile IDs but elected to pause and retool their programs.

Does Colorado accept electronic insurance cards?

Colorado is the first state in the nation to offer residents the option to electronically transmit digital identification, vehicle registration and proof of insurance to law enforcement!

Do all states accept electronic proof of insurance?

In most states, yes. Forty-nine states and the District of Columbia permit drivers to show an electronic copy of their insurance card on a mobile device during a traffic stop. New Mexico is the only state where electronic proof of insurance is not explicitly accepted.

What two states do not require insurance?

New Hampshire and Virginia are the only states that do not require auto insurance. However, if you choose not to purchase car insurance in these states, you would still be held liable for any property damage or bodily injury caused by their vehicle.

Does Florida require proof of insurance?

Proof of Insurance:

Current proof of FLORIDA insurance is required when registering your vehicle in Florida. You must submit: Insurance card, policy, or binder, for each vehicle being registered indicating the vehicle identification number, make and year.

Is digital proof of insurance OK?

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.”

Can I use my phone as an insurance card?

Back in the day, this meant keeping a paper copy of your insurance card in your glove compartment, but today in the United States, you can easily have your proof of insurance on your phone. Many car insurance companies now offer mobile apps or digital insurance cards that can be easily accessed on your smartphone.

Do police accept digital ID?

Will police accept a mobile ID in California. No. While this ID format is accepted at participating airports, the California digital ID is not currently accepted by police, state, and government agencies.

What states do not accept electronic signatures?

Although eSignatures are valid in all 50 states some states such as Tennessee or New York have added additional laws that add requirements to make eSignatures valid or determine what sort of documents can be signed.

Which documents cannot be signed electronically?

Documents that are, by law, not allowed to be signed electronically includes:
  • Sales Agreements for land or buildings.
  • Wills.
  • Any document where another type of signature (i.e. non-electronic) has been agreed to.
  • Any document where the law requires another type of signature.
  • Long term lease agreements of 20 years and longer.

Does Florida allow electronic signatures?

Unless otherwise provided by law, an electronic signature may be used to sign a writing and shall have the same force and effect as a written signature.