Report the theft to your state's DMV or Department of Motor Vehicles when ready

Call your state's DMV directly — do not wait for mail or an online form. The phone number is on your state's DMV website. Tell them your license number (if you know it), your full name, date of birth, and that your license was stolen. They will flag your license as invalid so someone else cannot use it to rent a car, open accounts, or drive under your name.

Some states let you report online through their DMV portal, but calling is faster because you get confirmation the same day. Write down the date, time, and name of the person you spoke with. You will need this if questions come up later.

After you report it, your state will mail you a replacement license. The cost varies by state — typically $15 to $50 — and arrival time ranges from one to three weeks. Ask the DMV representative how long replacements take in your state and whether you can pick one up in person to speed things up.

File a police report if the theft happened in your city or county

Go to your local police station or file a report online through your city's police department website. You do not need to wait in person if your city offers online reporting. Provide the date and location where you last had the license, a description of what happened, and your license number.

The police report creates an official record. This matters if someone uses your stolen license to commit fraud or if you need to prove the theft to a bank, employer, or insurance company later. Keep a copy of the report number for your records.

Key Takeaways

  • Call your state's DMV the same day you discover the theft to flag your license as invalid and prevent misuse.
  • File a police report with your local police department to create an official record of the theft.
  • Monitor your credit reports and bank accounts for suspicious activity, since a stolen ID can be used for fraud.
  • Request a replacement license from your DMV; most states mail them within one to three weeks, though in-person pickup is often faster.
  • If someone uses your stolen license, provide the police report number to banks, creditors, and credit bureaus as proof of identity theft.

Check your credit reports for fraud within the first few weeks

A stolen driver's license is a tool for identity theft. Someone could use it to open credit cards, take out loans, or commit other fraud in your name. You can check your credit reports for free at annualcreditreport.com, which is run by the three major credit bureaus (Equifax, Experian, and TransUnion).

Look for accounts you did not open, inquiries from creditors you did not contact, or addresses that are not yours. If you find fraud, contact the creditor when ready and file a dispute with the credit bureau. Provide them with your police report number as proof the license was stolen.

You can also place a fraud alert on your credit file by calling one of the three bureaus. A fraud alert tells creditors to verify your identity before opening new accounts in your name. The alert lasts one year and is free.

Notify your bank and credit card companies if you are concerned about fraud

If your license was stolen along with other documents (wallet, purse), or if you are worried someone might use it to access your accounts, call your bank and credit card companies directly. Tell them your license was stolen and ask them to watch for suspicious activity on your accounts.

Most banks and card companies can place a temporary hold on your account or issue you a new card with a different number. They may also flag your account so that large withdrawals or transfers require extra verification.

Gather documents you will need for your replacement license

When you go to the DMV to pick up or receive your replacement license, you will need to prove your identity. Most states accept a passport, birth certificate, or Social Security card. Some also accept a utility bill or lease as proof of address. Check your state's DMV website to see exactly what documents they require before you go in.

Bring the police report number with you. The DMV may ask for it to confirm the theft, though many states do not require it for a straightforward replacement.

Consider placing a credit freeze if you are at high risk of identity theft

A credit freeze prevents anyone — including you — from opening new credit accounts in your name without your permission. You place a freeze by contacting each of the three credit bureaus (Equifax, Experian, and TransUnion). It is free and takes about 15 minutes per bureau.

A freeze is stronger protection than a fraud alert, but it also means you cannot quickly open new credit yourself. If you explore for a loan or credit card, you will have to temporarily lift the freeze. A freeze lasts until you remove it, so it is a longer-term choice than a fraud alert.

Frequently Asked Questions

Can I drive without my license while I wait for the replacement?

It depends on your state. Some states let you print a temporary license from their DMV website or issue one at the counter. Others do not. Call your DMV to ask whether you can get a temporary license or receipt that proves you reported the theft. Carrying the police report may also help if you are stopped.

What if someone uses my stolen license to get a traffic ticket or commit a crime?

Provide the police report number you filed when your license was stolen to the officer or court handling the ticket or case. This creates a record that the license was not in your possession. You may need to provide additional proof of your identity, but the police report protects you from liability for actions taken with a stolen license.

How much does a replacement license cost?

Replacement fees vary by state, typically ranging from $15 to $50. Some states charge less if you renew online or by mail rather than in person. Check your state's DMV website for the exact fee and payment methods they accept.

Do I need to notify my employer or insurance company about the stolen license?

You do not have to, but it can be helpful if your employer or insurance company asks for proof of identity later. Keep a copy of the police report to show them. If your license was used fraudulently, notifying them early can prevent confusion if they receive inquiries about you.

How long does it take to get a replacement license?

Most states mail replacement licenses within one to three weeks. Many DMVs offer in-person pickup or expedited mail options for an extra fee. Call your state's DMV to ask about faster options in your area.