How Long You Should Keep Your Car Insurance Records ?

Maintaining a well-organized digital and physical filing system is the best way to keep insurance records. But you might often wonder: How long to keep car insurance records? Let’s find out.
How long to keep car insurance records
How Long You Should Keep Your Car Insurance Records ?
How long to keep car insurance records? Your insurance policy’s active period typically spans six months to a year, and you should keep the papers at least until that.
In this article

Managing car insurance records is an essential aspect of responsible vehicle ownership. From policy documents and premium receipts to accident reports and claim settlements, keeping track of these records is crucial for various reasons.

However, the question often arises: How long to keep car insurance records? In this article, we will delve into the importance of maintaining car insurance records, explore the various types of documents involved, and provide guidance on the recommended duration for keeping them.

How long to keep car insurance records

In the United States, it’s essential to maintain organized records of your car insurance documents. Here are some guidelines on how long you should keep them:

  • Insurance ID Card: This card serves as proof of insurance and must be provided when requested by a police officer or in case of an accident. Keep it as long as your policy term is valid, either in your wallet, glove compartment, or as a digital file on your smartphone.
  • Declarations Page: This page provides an overview of your policy coverage types, limits, and exclusions. Retain it in a safe place (like a file cabinet or desk drawer) until the policy period is no longer active and any open claims during that time have been resolved.
  • Documents Related to Claims: Keep receipts from repairs and pictures from accidents. These are crucial for ensuring accurate processing of your claims by your auto insurance provider.

General Rule: Hold on to all insurance records until your policy has expired and any outstanding claims have been settled1234.

Importance of keeping records

Maintaining an organized record of your car insurance documents is essential to responsible vehicle ownership. You should retain these records for as long as your insurance policy lasts and any pending claims have been resolved. Your insurance policy’s active period typically spans six months to a year, and you should keep the papers at least until that. 

Generally, it is advisable to retain all pertinent insurance documents until the expiration of your policy and the initiation of a new one, especially when there are no outstanding claims. In such cases, once the policy concludes, you can responsibly discard the associated documents, making room for the updated policy information. 

In addition, focus on holding onto your most recent insurance policy, specifically the policy declaration page. This page offers a concise overview of crucial information, including your policy number, primary policyholder details, excluded drivers, vehicle specifics, driving history, deductibles, coverage limits, and more.

The declaration page works like a quick reference point, simplifying complex policy details into an easily understandable format. While it doesn’t dive into every nuance of your coverage, it provides a handy snapshot for addressing common queries.

Lastly, retaining a copy of your car insurance declaration page is essential, but remember that insurance companies must keep current electronic copies of your complete policy. If you misplace the declaration page, your insurer can furnish you with an electronic version. When you receive a new policy package (typically every six months during renewals), feel free to dispose of the old one unless there’s a pending claim.

You can use Beem to find the best insurance quotes to help you make the right choice. 

Insurance documents that you need to keep

Securing your auto insurance records is a wise practice, ensuring you have essential documentation on hand until your policy concludes. Documents to keep include:

Insurance ID Card

This serves as proof of insurance and is often required by law enforcement or in the event of an accident. Keep it accessible throughout the policy term, whether in your wallet, glove compartment, center console, or as a digital file on your smartphone.

Declarations Page

Offering a snapshot of your coverage types, limits, and exclusions, the declarations page is vital. Ensure you store this page in a safe and easily accessible space, such as a file cabinet or drawer, until the policy expires and any associated claims are resolved.

Monthly Billing Statements

Keep monthly statements until payment processing is complete or the policy period concludes. For business policies, consult with a tax professional, as they may advise retaining statements for an extended period.

Main Policy Document

Your primary policy document contains information like coverage limits, discounts, and endorsements. Some keep these pages until policy renewal, but digital access via your online account eliminates this need. If digital access isn’t an option, retain paperwork until a new policy package arrives upon renewal. Dispose of these documents securely once your policy ends and payment is settled.

Canceled Premium Payment Checks

In the age where many banks no longer return canceled checks, it’s prudent to shred them after reconciling with your account. Confirm your bank’s policy, and if checks are provided, safely discard them once financial transactions are appropriately reviewed.

Organizing and storing these documents ensures quick access to necessary information while maintaining a clear record of your auto insurance history.

How to properly dispose of the old insurance policies?

Properly disposing of old insurance policies is essential to safeguard your personal information. If you have physical copies, use a cross-cut shredder or a secure document destruction service to shred the documents thoroughly. For digital files, permanently delete them from your computer and any cloud storage accounts. Log into your online insurance account and follow the insurer’s instructions for removing or deleting old policies. Before disposal, review the documents for any personally identifiable information and redact or shred those portions. If in doubt, contact your insurance company for guidance. In addition, confirm that digital files are permanently erased from all devices and cloud storage. By taking these steps, you can secure the disposal of old insurance policies, protecting yourself from potential identity theft or fraud.

Do you need to keep a copy of the documents?

Having a copy of your car insurance is crucial as it represents a contractual agreement between you and your insurer. By paying premiums, you secure financial protection throughout the policy period.

The policy explicitly outlines the insurer’s responsibilities, coverage details, and exclusions. When you file a claim, the insurer refers to your policy to assess its terms. Therefore, you must be aware of your coverage and keep a copy of your policy handy.

This ensures you can review policy benefits before making a claim, and in case of a denied claim, having the policy on hand allows you to reference specific clauses when appealing the decision.

What does the car insurance company look for in your records?

Car insurance companies typically examine various factors in your records to determine your insurance premiums and eligibility. From the moment you apply for insurance, your insurer regularly checks relevant records to gauge your risk and adjust premiums accordingly. Understanding the specific documents they scrutinize is crucial, as these records significantly influence the cost of your auto coverage.

Primarily, insurers focus on your likelihood of filing a claim. They examine your motor vehicle report, summarizing recent tickets, accidents, and convictions. Depending on state regulations and insurer policies, this report typically spans three years for minor infractions and five to seven years for major traffic violations.

Another critical report in their assessment is the Claims Loss Underwriting Exchange (C.L.U.E.) report, providing a comprehensive seven-year summary of your filed claims. This report facilitates communication between insurance companies, aiding them in collectively evaluating the risk associated with insuring you.

When you apply for car insurance, your risk profile is established by considering your driving history, traffic violations’ frequency and severity, convictions, claims, criminal convictions, DUIs, and driving restrictions. These details assist insurers in accurately assessing the level of risk they undertake when providing coverage. Stay informed about the contents of these reports, as they play a pivotal role in shaping your insurance premiums.


In conclusion, let’s answer the question: How long to keep car insurance records? Maintaining organized and accessible car insurance records is a matter of responsible vehicle ownership and a strategic approach to navigating the complexities of insurance policies.

While the duration for retaining specific documents may vary, a general guideline is to keep your most current insurance policy, declarations page, and claim-related documents until the respective policy period concludes and any open claims are resolved.

These records serve as crucial references, providing valuable insights into coverage details and facilitating a smoother claims process.

By adopting a proactive approach to document retention and disposal, you not only adhere to best practices but also ensure a seamless and well-documented insurance experience, empowering you to make informed decisions and address potential inquiries with ease.

Also, it helps to remember that auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others.   


What is the best way to keep insurance records?

Maintaining a well-organized digital and physical filing system is the best way to keep insurance records. Create digital copies of all your documents and store them in password-protected files. For physical documents, use a designated folder or file organizer stored in a safe and easily accessible location.

What’s the best way to dispose of old insurance paperwork? 

The safest way to dispose of old insurance paperwork is to shred physical documents using a cross-cut shredder. For digital files, permanently delete them from your devices and cloud storage. This ensures that sensitive information is securely destroyed and minimizes the risk of identity theft or fraud.

Can you request a copy of your auto insurance statements?

You can ask for a copy of your vehicle insurance statements from your insurance provider. Most insurers offer online account access where you can download and print statements. Alternatively, you can ask for a copy from your insurance company’s customer service.

How to keep important documents safe?

To keep important documents safe, consider the following:
1. Store physical documents in a fireproof and waterproof safe or lockable file cabinet.
2. Create digital backups and store them on secure, password-protected devices or cloud storage.
3. Consider using a safety deposit box for critical documents like passports, legal contracts, and original certificates.
4. Periodically review and update your document storage system, discarding unnecessary or outdated items.

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Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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