Driver's Prep - Free DMV tests

Proof of Liability Insurance

Insurance card

When do you need proof of insurance?

In most states you need to carry proof of liability insurance whenever you drive. That is also the most common answer to this question on a knowledge test.

You must be able to show written evidence of your car insurance when asked to do so by a police officer. You must also be able to show such proof to other drivers when you are involved in a car accident.

It is also common that state rules require you to show your insurance card when registering a vehicle or having your vehicle inspected.

Failure to carry proof of insurance may result in fines, points on your driving record, or even a suspension of your driving privilege.

Different Rules in Different States

Remember that rules are different between states. Some states allow you to carry proof on an electronic device, such as a cell phone, others don’t. If you travel across state lines, you should keep a written copy in your glove compartment. Just to be on the safe side.

About Mark
Problem solver. Entrepreneur. Music nerd. Traveler. Twitter: @markheart0 Facebook: Mark Heart


  1. I was told in North Carolina requires you to have liability insurance before applying for a drivers license.

    • Page 18 in the NC Driver’s Manual:

      Proof of liability insurance coverage applies to those:
      • Applying for an original license, including transfers from out of state;
      • Whose licenses are being restored after revocation or suspension; or
      • Awarded a Limited Driving Privilege by the court.

  2. California driver handbook 20013 shows 4 types of proof of financial responsibility, the test accepts only one as correct answer. I see a discrepancy. Which answer is correct?

    • Three questions in our database deal with the forms of financial responsibility in California.

      Two questions list one correct form and two forms of financial responsibility that are not accepted.

      The third question list three accepted forms and the correct answer to this question is “All above”.

      If you study each alternative closely and compare with the handbook you will see that there is no discrepancy.

      There is a report link after each comment. By using this link we can address your concerns with a specific question better.

Leave a Reply