Why You Should Never Use a Fake Insurance Card

You should never use a fake insurance card unless you want to be charged with insurance fraud. Drivers may be tempted to use an auto insurance card that is fake if they can't afford car insurance, but it's not worth the risk. You could lose your license, pay thousands of dollars in fines, and spend time in jail for having a fake insurance policy. Instead, comparison shop with us and we can help you find the affordable car insurance plan that fits your budget and needs.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 20, 2021

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What You Should Know

  • Drivers who use fake car insurance cards face fines, jail time, loss of registration, loss of license, and more
  • Drivers who use a fake auto insurance card will also have high rates and may have to purchase high-risk insurance
  • If you suspect your insurer gave you a fake insurance policy number, call your state insurance department to see if the insurer is registered

It’s one of the oldest tricks in the book. You print a fake insurance card, then give that auto insurance ID card to another driver after you get into an accident. You escape without penalty, and the other driver has no way to track you down.

The allure of this is why one of the FAQ about auto insurance coverage is should you use a fake insurance ID card to dupe other drivers? Absolutely not – and there are many reasons not to use a fake insurance card. Today, we’re explaining just a few of the reasons why you should never use a fake insurance card.

To avoid the temptation to get a fake online insurance card, use our free rate comparison tool to find cheaper auto insurance rates in your area.

Why do drivers use fake insurance cards?

Take a few seconds to Google, “printable fake car insurance cards” or “fake car insurance certificate download,” and you will find thousands of results on how to get fake insurance with a printable fake auto insurance card template. You’re not the first person to concoct a false insurance card scheme.

There are a number of reasons why someone might make a car insurance card that is fake. Some people simply can’t afford car insurance bills and don’t want to get caught driving without insurance. Other people may be in the country illegally or have some other trouble with the law. Some people seek a fake insurance card for court.

Unfortunately, fake insurance card schemes have risen in popularity in recent years. The internet has made it extremely easy to copy and print fake insurance cards. Within seconds, you can print off an insurance document that looks shockingly similar to a real vehicle insurance card.

The U.S. government does everything it can to shut down fake insurance card websites. For every site they takedown, however, two more appear online. As long as the demand is there for fake proof of insurance cards, phony insurance card websites will always exist.

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Do fake insurance cards work?

Fake vehicle insurance cards can be tough to spot. Many fake auto insurance card downloads use the names and logos of real, well-known insurance companies.

If you are pulled over by law enforcement, the police officer may only perform a cursory visual check of your insurance coverage without verifying the information. In that case, your fictitious insurance card can fool even a police officer.

Some scammers also make a fake vehicle insurance card to fool unsuspecting motorists. A scammer might keep a fictitious insurance card in his or her glove box just in case of an accident with another motorist. The other motorist will take down the insurance information in good faith, not knowing that the information is fake.

If anyone decides to check your insurance, however, or contact the DMV, your fake vehicle insurance card scam will quickly be discovered if you offer a phony insurance card for court. Drivers who choose to print fake cards off the internet will face enormous legal consequences. As you’ll learn below, fake insurance card fraud can easily be discovered, leading to jail time and other serious consequences.

Why are fake insurance cards considered insurance fraud?

There are plenty of obvious reasons why you should never use a fake insurance card. There are moral issues to scamming innocent drivers by getting fake insurance for a car, for example. There’s also the problem of insurance fraud – something that can lead to years of jail time.

Anyone who makes a fake insurance card or uses a fake insurance card is committing insurance fraud. Insurance fraud is illegal, and you will face significant penalties for driving without insurance.

Penalties for Driving Without Auto Insurance by State
StatesPrimary Fine for First Driving Uninsured OffenseOther Penalties for First Driving Uninsured Offense
AlabamaUp to $500Registration suspension with $200 reinstatement fee
AlaskaN/ALicense suspension for 90 days
Arizona$500 (or more)License/registration/license plate suspension for three months
Arkansas$50 to $250Suspended registration/no plates until proof of car insurance coverage plus $20 reinstatement fee; court may order impoundment
California$100-$200 plus penalty assessmentsCourt may order impoundment
Colorado$500 minimum fine4 points against your license; license suspension until you can show proof to the DMV that you are insured. Courts may add up to 40 hours community service
Connecticut$100-$1000Suspended registration/license for one month (show proof of insurance) with $175 reinstatement fee
Delaware$1,500 minimum fineLicense/privilege suspension for six months
FloridaN/ASuspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $150 fee for first reinstatement
GeorgiaN/ASuspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes due
Hawaii$500 fine or community service granted by judgeEither license suspension for three months or a required nonrefundable car insurance policy in force for six months
Idaho$75License suspension until financial proof. No reinstatement fee.
Illinois$500 minimumLicense plate suspension until $100 reinstatement fee and insurance proof
IndianaN/ALicense/registration suspension for 90 days to one year
Iowa$500 if in accident; Otherwise, fine: $250Community service in lieu of fine. Possible citation/warning if pulled over plus removal of plates and registration possible when pulled over without insurance and reissued upon payment of fine or completed community service, proof of insurance, and $15 fee; possible impoundment when pulled over
Kansas$300 to $1,000 Fine and/or confinement in jail up to six months; license/registration suspension; reinstatement fee: $100
Kentucky$500 to $1,000Fine and/or sentenced up to 90 days in jail; license plates and registration revoked for one year or until proof of insurance is shown
Louisiana$500 to $1,000If in car accident, fine plus registration revoked and driving privileges suspended for 180 days
Maine$100 to $500Suspension of license and registration until proof of insurance
MarylandN/ALose license plates and motor vehicle registration privileges; pay uninsured motorist penalty fees for each lapse of insurance — $150 for the first 30 days, $7 for each day thereafter; Pay a restoration fee of up to $25 for a vehicle's registration
Massachusetts$500 to $5,000Fine and/or imprisonment for one year or less
Michigan$200 to $500 Fine and/or imprisonment for one year or less; license suspension for 30 days or until proof of insurance; $25 service fee to Secretary of State
Minnesota$200 to $1,000 Fine (or community service) and/or imprisonment for up to 90 days; License and registration revoked for no more than 12 months
Mississippi$1,000Driving privileges suspended for one year or until proof of insurance
MissouriN/AFour points against driving record; driver may be supervised; suspended until proof of insurance with $20 reinstatement fee
Montana$250 to $500 Fine and/or imprisonment for no more than 10 days
NebraskaN/ALicense and registration suspension; reinstatement fee of $50 for each; proof of insurance to remain on file for three years
Nevada$250 to $1,000Registration suspension — until payment of reinstatement fee and, depending on circumstances, an SR-22 (proof of financial responsibility) if lapsed more than 90 days; reinstatement fee: $250
New HampshireN/ANot a mandatory insurance state. Proof of insurance may be required as the result of a conviction, crash involvement, or administrative action. If you are required to file proof of insurance and vehicles are registered in your name, you will be required to file an Owner’s SR-22 Certificate of Insurance.
New Jersey$300 to $1,000License suspension for one year; pay surcharges for three years in the amount of $250 per year
New MexicoUp to $300 Fine and/or imprisoned for 90 days; license suspension
New YorkUp to $1,500 if involved in accident plus $750 civil penaltyLicense and registration suspension – revoked for one year; suspension of license if without
insurance for 90 days; suspension lasts as long as registration suspension; Suspension of registration: equal to time without insurance or pays $8/day up to thirty days for which financial security was not in effect, $10/day from the thirty-first to the sixtieth day $12/day from the sixtieth to the ninetieth day and proof of security is provided. Or for the same time as the motor vehicle was operated without insurance.
North Carolina$50Registration suspension until proof of financial responsibility but 30-day suspension if in car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee
North DakotaUp to $1,500 Fine and/or 30 days in prison; 14 points against license plus suspension; Proof of insurance must be provided for one year; license with a
notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50, and the fee to remove
this notation is $50.
OhioN/ALicense/plates/registration suspension until requirements are met and $100 reinstatement fee is paid; maintain special high-risk coverage on file with the BMV for three to five years; If involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied)
Oklahoma$250Jail time up to 30 days; license suspension with $275 reinstatement fee. Police can seize license plates and assign temporary plates and liability insurance — in effect for 10 days and can also impound the vehicle. The cost of the temporary coverage is added to the administrative fee and any fines paid for plates to be returned. If the car isimpounded, the owner must also pay towing and storage fees.
Oregon$130-$1000 ($260 is the presumptive fine)If involved in accident — at least a one year license suspension; proof of financial responsibility required for three years
PennsylvaniaN/ARegistration suspended for three months (unless lapse was for less than 31 days and vehicle not operated during that time); $88 restoration fee plus proof of insurance required to get it back; $500 civil penalty fee is optional in lieu of registration suspension plus $88 restoration fee — can only use this option once within a 12-month period
Rhode Island$100 to $500License and registration suspension up to three months; reinstatement fee: $30 to $50
South Carolina$100-$200 Fine or 30-day imprisonment; failure to surrender registration and plates when insurance lapses; license/registration suspended until proof of insurance plus $200 reinstatement fee
South Dakota$100Fine and/or 30 days imprisonment; license suspension for 30 days to one year; filing proof of insurance (SR-22) with the state for three years from date of conviction. Failure to file proof will result in suspension of vehicle registration, license plates, and driver license.
TennesseeN/APay $25 coverage failure fee within 30 days of notice; if not paid, then an additional $100 coverage failure fee with suspension or revocation of registration plus reinstatement fee of no more than $25
Texas$175 to $350 Pay up to a $250 surcharge every year for three years (may be reduced with certain requirements)
Utah$400License suspension until proof of insurance (maintained for three years) and $100 reinstatement fee
VermontUp to $500License suspended until proof of insurance
VirginiaMay pay $500 Uninsured Motorists Vehicle fee to drive without insurance at your own risk. If this fee is not paid in lieu of insurance, all driving and vehicle registration privileges will be suspended until a $500 statutory fee is paid, proof of insurance is filed for three years, and a reinstatement fee (if applicable) is paid
WashingtonUp to $250 or moreN/A
West Virginia$200 to $5,000License suspended for 30 days with reinstatement fees, unless there's proof of insurance and $200 penalty fee
WisconsinUp to $500N/A
WyomingUp to $750Up to six months in jail
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Penalties vary based on the incident and your state. In some states, drivers who use a fake policy card will pay a fine of a few hundred dollars. In other states, drivers are fined thousands of dollars. Some states suspend or revoke your driver’s license and vehicle registration after you’re caught using fake insurance.

All of the penalties above are just for using a fake insurance card and driving without insurance in any situation. You may also face further penalties for fraud, as you can’t just make a fake insurance card freely without consequences. In many jurisdictions, committing insurance fraud will lead to years of jail time and other severe consequences. Bottom line? Don’t even consider how to make a fake auto insurance card, as a fake car insurance template will eventually be discovered and cost you dearly.

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What if you don’t realize your card is fake?

The internet has given rise to another unfortunate phenomenon: fake insurance card websites that masquerade as legitimate insurance sellers by giving fake car insurance quotes and fake car insurance print outs.

Let’s say you’re looking for cheap car insurance online. You want the cheapest possible car insurance while being able to legally drive on the road. You can’t find anything that meets your needs until you stumble upon one shady-looking website. The site promises to sell you cheaper car insurance than any other provider with its fake insurance quotes. You complete the application process, submit payment, and print off your car insurance card.

The card might look legitimate, as scammers use a believable fake insurance template. Some feature the names and logos of real, legitimate insurance companies. Unfortunately, the car insurance website just scammed you, stealing your credit card information and sending you a fake insurance policy document in return.

Because of these auto insurance scams worthy of jail time, some drivers are handing out fake insurance cards without realizing the cards are fake. If you suspect your insurance card is a fake, the National Association of Insurance Commissioners (NAIC) recommends calling your state insurance department.

Unfortunately for drivers who have fallen victim to a scam like this, using a fake insurance card is always considered fraud. Even if you used the false card without knowing it was false, using the card is considered a form of fraud, and you may face severe penalties for unknowingly using a free auto insurance card template that is fake.

It’s illegal to drive without insurance. It’s even more illegal to drive without insurance and use a fake insurance card. For all of the reasons above, it’s not a good idea to use a fake insurance card in any situation whatsoever.

To make sure you aren’t paying for a fake insurance card, use our free rate comparison tool to find legitimate insurance at a price you can afford.

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