Digital Insurance Cards: Which States Accept Them?

We did the research, and now we can give you the results. (Hint: The news is good.)

digital insurance card on iphone
Image by The Zebra

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown a TSA agent a digital version of your boarding pass. Maybe you’ve even used the Uber or Lyft apps to snag a ride. But have you presented a police officer with a digital insurance card to show proof of insurance yet?

Of course not, you might say. (We certainly hope it’s been a while since your last traffic stop.) But if keeping that little piece of paper proving you’re insured a.) at the ready and b.) not expired has until now been the bane of your existence, rest assured: Soon, you probably won’t have to worry about it—ever again.

The insurance business, slowly but surely, is adapting to changing patterns in e-commerce, and that’s good news for the trees of the world and customers alike. The top 15 insurance companies in the country (listed below) all offer digital insurance cards. Some have fancy apps and others pretty bare bones mobile sites, but either way, there are now 37 states (count ’em!) that accept digital insurance cards as proof of insurance.

Are you in a lucky state, or one still trying to catch up? First, consult this handy map, put together by Property Casualty Insurers Association of America.


The List of All Fifty States

(Those with a check mark ✔ are fancy, huh accept digital insurance cards)

Alabama ✔
Alaska ✔
Arizona ✔
Arkansas ✔
California ✔
Colorado ✔
Florida ✔
Georgia ✔
Idaho ✔
Illinois ✔
Indiana ✔
Iowa ✔
Kansas ✔
Kentucky ✔
Louisiana ✔
Maine ✔
Maryland ✔
Minnesota ✔
Mississippi ✔
Missouri ✔ </td/>
Nebraska ✔
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota ✔
Oklahoma ✔
Oregon ✔
Pennsylvania ✔
Rhode Island ✔
South Carolina ✔
South Dakota ✔
Tennessee ✔
Texas ✔
Utah ✔
Virginia ✔
Washington ✔
West Virginia
Wisconsin ✔
Wyoming ✔


A quickly changing landscape

You might want to bookmark this page if you’re still in a state that doesn’t accept digital cards, because the changeover is happening rapidly. In fact, as of April 2013, less than half of the states had enacted legislation allowing for digital, instead of paper cards, according to Lifehacker. Shh, hear that? It’s the sound of progress.

More good news: Your carrier likely already offers digital cards

We checked into the top 15 insurance companies in the country according to net premiums written, and every single one of them offers a digital insurance card. If you work with a carrier not listed here, give your agent a call or Google them—we bet you’ll get good news.

The Top 15 (in order of net premium sold; links are to pages about their digital insurance card offerings)

State Farm


Allstate (including Esurance)


Liberty Mutual

Farmers Insurance Group (including 21st Century)

USAA Insurance Group

Nationwide Mutual Group


American Family Mutual

Hartford Financial Services

Erie Insurance Group

Auto Club Exchange Group (aka AAA)

MetLife Inc.

Mercury General