What Is an Auto Insurance Declaration Page?

An auto insurance declarations page, also called an auto dec page, reviews the most important information about your car insurance policy. It covers topics like your insured drivers and vehicles, policy expiration date and deductibles.

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Updated: 10/10/2025

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Key Takeaways

From coverage limits to loss payees, your auto insurance declaration page houses key information about your policy.
It can be helpful to have your auto dec page handy if you’re shopping for insurance to compare policies. You also may need to provide it as proof of insurance if you’re buying a new car.
Depending on your carrier, there are certain things that may not be on your auto dec page, like excluded drivers or additional policy endorsements.

What Does a Car Insurance Declaration Page Include?

Your auto insurance declaration page—also called an “auto dec page”—is where you’ll find key details about your coverage types, policy start and end dates and any additional insureds. Think of this page of your car insurance policy as a summary of your coverage—it doesn’t include full policy details or exclusions.

A declaration page for car insurance typically includes:

Existing policy period: You’ll see when your coverage starts and when the policy will end. You may have a policy term that’s effective for six months or a long-term policy that provides coverage for a year.
Drivers: Your car insurance declaration page shows insured drivers on your policy.
Vehicles: The declaration page will detail the vehicle identification number, make, model and year of vehicles covered under your auto policy.
Loss payees: This refers to the person on the policy to whom the insurance company will pay claims.
Premium: Your car insurance premium is another term for insurance cost. So, your declaration page will tell you how much your insurance coverage costs for the policy period.
Coverages: You’ll find details on the type of car insurance coverages that make up your insurance policy. This can include liability coverage, bodily injury and property damage coverage or personal injury protection.
Limits: Coverage limits are the maximum amount your insurance company will pay for a loss.
Deductibles: Your car insurance deductible is the amount you have to pay for claims before your coverage starts.
Discounts: The declaration page will list car insurance discounts that you qualified for from your insurance company, such as driver training discounts or bundling savings.

Be aware that your declaration page won’t include certain coverage details, like excluded drivers. And depending on your insurer, your automobile declaration page may not include any endorsements you added to your policy.

Man who understands car insurance declaration page

When Will I Need My Auto Insurance Declaration Page?

You may need your vehicle insurance declaration page if you’re buying a car and have to provide proof of insurance. You can also use your declaration page to help you compare car insurance quotes if you’re looking for a new insurer.

How To Obtain an Insurance Declaration Page

To access your auto dec page, you can contact The Hartford:

Online through our Customer Service Center
By calling 800-423-6789

Get a Car Insurance Quote Today

The Hartford is here to help protect you and your loved ones on the road. With AARP® Auto Insurance from The Hartford¹, you can enjoy customizable coverage options and exclusive benefits just for AARP members.

If you have questions about your declaration page, car insurance coverage like liability insurance or all the discounts available to you, we’re here to help. Get a car insurance quote online or call The Hartford at 888-546-9099 today.

Frequently Asked Questions About Auto Insurance Declaration Pages

What Does a Declaration Page for Auto Insurance Look Like?

Depending on your coverage, an insurance declaration page can be one page or a couple of pages with details about your policy.

Is an Insurance Policy Declarations Page Proof of Insurance?

Yes, a car insurance declaration page is also known as a certificate of insurance or proof of insurance. That’s because you wouldn’t have a declaration page if you didn’t have insurance coverage. This can be helpful when shopping for a new vehicle, as sometimes you’ll need to provide this information to your lender. But if you're pulled over and need to show proof of insurance, you’ll want to use your auto insurance card or ID card.

What Is a Declaration Page for Car Insurance vs. Other Policies From The Hartford?

Insurance declaration pages aren’t just for car insurance. For example, you’ll get a declaration page for other types of insurance, such as:

A homeowners insurance declaration page, as well as other insurance declaration pages, will address the same type of policy information that you can find on your car insurance information page.