Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Sep 26, 2020

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Key takeaways...

  • You can easily check the status of your car insurance online if you have set up an online account with your auto insurance company
  • Almost every major auto insurance company provides for customers to be able to access their online accounts as a matter of convenience
  • If you cannot remember whether you have an online account with your insurance company, you can always call them to see what your insurance status is and find out how to get your online access set up for the future
  • Your proof of auto insurance card will have helpful information about your policy dates and how to reach your auto insurance provider by phone if you have any questions
  • If you signed up for email statements from your insurer, you can check your email for your account information and figure out how to retrieve your forgotten password or account username

Checking the status of your car insurance coverage is easier than ever. Most auto insurance companies have the option of an online account available for policyholders.

You can typically make payments for your premium online and verify the status of your account information. If you do not already have an account set up, you can call your insurance provider for assistance in getting started.

You can also compare car insurance quotes online. Check prices of several carriers at once by entering your zip code above.

Making Sure that Your Car Insurance is Current


One of the most important reasons to check your car insurance status online is to make sure that your insurance is up to date. Your proof of insurance card will also have the effective dates to let you know exactly when your policy expires.

Many auto insurance policies will renew automatically unless you hear otherwise from the insurance provider or notify them that you will no longer be insured.

The other thing you will want to make sure that you stay on top of for your car insurance is that you have paid all of your premiums. If you do not pay your insurance bill, the car insurance company has the right to not cover any of your losses and drop your coverage.

This is a tough spot to be in because it means you will need another source of auto insurance immediately.

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Questions About Your Policy

The best source for answers about your specific car insurance policy is your auto insurance provider. If you call your car insurance agent or the main number for the auto insurance company, you can get your questions answered about the coverages that you currently have.

If you think that you are missing something from your auto insurance policy, such as an optional coverage, you can speak with the insurance company over the phone to fix your coverage.

You can also ask about increasing the limits of your policy to make sure that you are covered for all of the damage that you may cause in an accident.

When you make any changes to your policy to increase your coverage, this ordinarily results in an increase in your premium.

However, you can typically get a significant amount of coverage added to your policy without increasing the amount that you pay to an unreasonable point.

The only way to find out for sure in your specific situation is to check with your auto insurance provider and see about quotes for adding more coverage.

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What Happens if Your Car Insurance is Not Active

When you check your auto insurance status out online, you may find that you do not have an active policy right now. The first thing you should do is to get online quotes from insurance providers in your state to get set up with the coverage you need.

The great thing about getting online quotes for car insurance is that you will get an immediate idea of the average prices in your area based on your information.

After you get a variety of quotes, you should do some more investigating of the insurance companies that you are considering. Even if you are quoted a super low price from a particular company, you may not be able to get all of the optional coverages that you need or want.

Not all insurance companies are equal, so you need to look beyond the lowest price that you are quoted.

The most important thing is to not wait too long to get this process started.

Auto insurance companies like to see continuous car insurance coverage for their drivers because it shows that they are responsible and follow the laws when it comes to driving.

If you wait a long time to get coverage reinstated, you could be facing higher prices for your premium because you appear to be a riskier driver to the auto insurance company.

Recap on Checking Your Car Insurance Online


It is pretty easy to find out if your car insurance is current by checking an online account. Almost every insurance provider has the capability for you to check your auto insurance status online by logging into your account.

If you have not set up an online account for your car insurance coverage, you could also try calling the insurance company for the most current information about your policy.

If you find out that you are not insured right now, then you can work right away to get quotes on a new car insurance policy. Enter your zip code below to get started.