Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Feb 3, 2022

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The Lowdown

  • Once you register your vehicle, your countdown to becoming insured begins
  • Drivers can face serious fines or lose their license for driving without insurance
  • If you provide fake proof of insurance, you could be arrested

So you have some talent in Adobe Photoshop or Illustrator and think that you can make a passing fake insurance card. Think again. Even if you have the best design and the finest mendacious skills to manipulate the police, you can’t fool the Department of Motor Vehicles. Your best bet is to bite the bullet and purchase auto insurance.

Within a particular time, post registration, your state will send you a notification of suspension unless you provide proof of insurance. Utilizing a counterfeit insurance card is illegal; don’t put yourself at risk.

Use our free comparison tool to find low auto insurance rates in your area. There is no need to seek a free fake insurance card for Uber or for any other reason. Instead, purchase affordable auto insurance.

What if I’ve been conned by a fake car insurance company or provider?

There are ways to spot a fake insurance card.

Check your ID card. A fake card is likely to have inconsistencies. Check for misspellings, variations in color, and basic insurance information. Typical insurance Identification cards will include the following:

  • Your name, address, and phone number
  • Your vehicle’s VIN, make, and model
  • Your policy dates and number
  • Your Insurance company’s name, contact information, and, sometimes, an agent to contact directly.

Remain vigilant. In order to prevent fraud, drivers must do a slight amount of leg work. When you’ve found an affordable auto insurance quote, wait for the follow-up from the auto insurance company. Generally, after you’ve applied for a policy, the company will reach out to you to finalize your policy. Never pay for a policy if you haven’t spoken with an agent or purchased from a well-known, licensed online business.

What should I do if I suspect I have a fake insurance card?

You can report a fraudulent auto insurance company or suspected fraud to the National Insurance Crime Bureau.

If you’re the person attempting the hoax, keep reading to learn more about fake insurance cards.

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Is it illegal to use a fake insurance card?

Misrepresenting your insurance status is absolutely illegal. There are two circumstances in which you might wonder about the legality of a fake insurance card — either you’re being scammed or someone else is scamming you.

If you’re questioning the legitimacy of your policy — perhaps you rushed into it — you wouldn’t be the only one. The good news is that there are ways to spot a counterfeit insurance card and to prevent getting scammed again.

Even those with basic graphic design skills could likely determine how to pull off a good enough look-alike to bypass law enforcement. However, falsifying auto insurance will eventually catch up to you.

Can you make a fake insurance card online?

Anyone can make or find a fake insurance card online with a simple Google search. Keep in mind that most law enforcement agencies have access to databases that contain license plate information and insurance status in real time.

These databases use information that follows your vehicle identification number (VIN) and maintains updated information about your insurance.

Is faking auto insurance considered car insurance fraud?

In 48 states, drivers must have at least liability insurance in order to legally drive on the road. New Hampshire and Virginia are the outliers that do not require insurance. If almost every state necessitates proof of insurance, you’re likely committing a crime if you are holding a false piece of identification.

A common occurrence of car insurance fraud is when a driver is untruthful about the events of an accident or hides details about the accident. However, having a fake insurance card is also a form of fraud.

If you are in court — ordered to show proof of insurance — presenting a fake insurance card could win you the maximum fine of $2,000 and six months in jail. The penalty is more profound in some states where you could literally lose your license.

Someone using a fake insurance card is doing so to avoid the legal requirement of proof of insurance. 

Whether it’s the result of an accident or a DMV report, someone will catch you in the lie. However, it’s better to buy auto insurance before you end up having to pay some severe out-of-pocket costs.

Can I use a fake insurance card for court?

Doing this might cause you more trouble in the long run. The judge will most likely require that you show proof of insurance by a specific date. And if you do not do so, you may face serious consequences.

Keep reading to learn more about how to find affordable auto insurance rates.

Where can I compare cheap auto insurance quotes online for free?

Right here, on insuranceproviders.com. When you’re comparing auto insurance rates in your area, you want to ensure that you’re getting the best deal that’s right for you. Speaking with an agent is always your best alternative for  information regarding a particular policy. However, online tools help you to compare more auto insurance companies and policies in a shorter period of time, as opposed to calling each one. 

Examine our table of the most affordable auto insurance companies to begin your search.

Best Companies for Cheap Auto Insurance
CompaniesMonthly Auto Insurance Rates
Erie$33
USAA$37
Farm Bureau Mutual$42
State Farm*$52
American Family$65
GEICO$65
Progressive*$66
MetLife$76
Nationwide$78
Auto-Owners Insurance$86
Farmers$92
Travelers$104
Allstate$104
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Auto insurance costs will fluctuate as you change as a driver or if you move to a different city. Even if you already have a company in mind, it doesn’t hurt to shop around.

Now you know what to do if you believe you are being scammed, and you know what to do when you are caught scamming. Continue reading to get connected with an auto insurance agent. 

How to Spot a Fake Insurance Card: The Bottom Line

Using a fake insurance card is a willful act of lawbreaking, and it’s not an intelligent thing for drivers to do unless you’re pulling some sort of prank. We discussed the consequences of falsifying an auto insurance policy that could land you on the sidewalk without a license.  

Sometimes, though, drivers are taken advantage of without realizing it. Make sure that you do your due diligence in researching your auto insurance company before signing. 

Be cautious of fake insurance cards and avoid producing any. Enter your ZIP code now to live within the law and obtain auto insurance quotes today.