Different Address for Car Insurance

Using a different address for car insurance is considered fraud. Car insurance rates are determined by where you live and store your vehicle, and using a different address for auto insurance policies is illegal. College students living on campus are allowed to use their permanent address for car insurance but only until they have a permanent address of their own. Enter your ZIP code below to see how much car insurance costs in your neighborhood.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 26, 2020

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Things to know...

  • Your auto insurance provider needs your current physical address for your residence as well as your mailing address
  • Drivers should update insurance companies as soon as possible when addresses change
  • A change in your physical address may adjust your auto insurance rates

You may need to change your address with your various service providers, financial institutions, and insurance companies when you relocate to a new home.

Perhaps you are getting a post office box, and you simply want all direct mail sent to this new address.

Car insurance companies must have an accurate physical address for your residence as well as an accurate billing address for you at all times, and there are several reasons for this.

Compare car insurance quotes right here for free. Just enter your zip code above to get started.

Updating Contact Information with Your Car Insurance Company


Whether you have recently relocated to a new home and you are busy unpacking boxes or you have set up a post office box, you may have other things to worry about besides contacting your insurance company and changing your address details with them.

However, it is crucial that your auto insurance provider has current contact and mailing information for you at all times.

Why Your Provider Needs Your Billing Address

If your billing address has changed, such as if you recently got a post office box that you plan to use for future direct mail, your auto insurance company needs this information to reach you in a timely manner.

Some details about your policy may be emailed to you, but there are usually multiple items that need to be mailed to you directly over the course of a year.

The billing address also may need to be current for your premium payments to be processed correctly and promptly, and a failure to process payments may result in a lapse in your coverage.

Why Your Physical Residential Address Matters

As long as your car insurance company can reach you directly by phone, mail, and email, you may not think that they need to know your physical address.

If your physical address differs from your mailing address, you need to let your insurance company know this as soon as possible. Insurance rates are determined in part based on the zip code of your residence.

In fact, the zip code of your physical home address is statistically analyzed to determine the following:

  • theft rates
  • accident rates
  • average commute times

In some cases, moving lowers your insurance rates. Even if you only moved a few blocks over, a change in your zip code could have a dramatic impact on the cost of your premium.

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Comparing Insurance Rates Before Deciding Where to Move To

If you have not yet relocated and are thinking about doing so soon, it makes sense to include your car insurance company in the decision-making process.

The zip code for your physical address directly affects your insurance rates, and this means that you can research possible locations up-front to determine which option may yield more affordable premium rates.

How to Find an Affordable Zip Code

Car insurance rates may not be the only deciding factor to consider when determining where to live.

However, this is an aspect of your budget that can change when you move, so it does require careful research and apt attention if you want to make progress to the most affordable location possible.

Enter the zip codes of the top locations you’ve chosen and use a free quotes comparison site to see how rates differ in each one.

The Benefit of Living in an Affordable Zip Code

It can take time and effort to find a cheaper zip code to live in with regards to auto insurance, but this effort will be worthwhile.

Remember that your auto insurance premium is a regular expense in your budget, and at least some coverage is required at all times by state law as well as by your auto lender if you have a car loan on your vehicle.

Shopping for cheap rates by comparing options for different zip codes may help you to keep this expense as low as possible. Zip code data and other criteria can change periodically, so you should seek updated rate quotes regularly in the future as well.

Choosing a Reputable Provider

While you understandably want to set up an affordable auto insurance policy, you also need to find a reputable provider that you can count on over the years.

The best car insurance companies are financially strong, and they have an exceptional reputation with their customers for providing excellent customer service.

They also usually have a hassle-free claims process that their customers enjoy.

The Internet can be used to research these important factors as you make a more informed decision regarding which provider to purchase insurance from.

Shop for New Rates When Your Address Changes


If your zip code for your physical address changes, your rates may change. Car insurance companies view various factors differently when determining their rates, so you may qualify for better rates with another company when some of your qualifying factors change.

Keep in mind that it is always a good idea to compare new insurance rates online for your car coverage every six months to identify potential savings.

How to Save More Money on Auto Insurance

While comparing auto insurance rates from time to time is an excellent way to learn more about potential savings available to you through different providers, there are other steps that you can take to save money on car insurance as well.

Because car insurance is a veritable requirement for drivers in most states and because it can be expensive for some drivers to pay for, keeping this cost as low as possible is imperative.

You may be able to reduce the cost of your car insurance premium by taking a few important steps, and these include:

  • Requesting a higher deductible
  • Setting up automated premium payments
  • Paying your premium in full
  • Reducing your coverage limits and terms
  • Maximizing the benefit of auto insurance discounts

Finding Great Discounts

Auto insurance discounts are one of the leading ways for drivers to save money on car insurance premiums, and there are several dozen common discounts available through leading insurance companies.

Many of the discounts offered by different providers sound similar, but the qualifications for the discounts may vary by company.

With this in mind, it is wise to compare the options and find the provider that offers you the maximum savings through discounts.

A few of the car insurance discounts that you may stumble upon in your research include:

  • A good driver or claims-free discount
  • A good student or distant student discount
  • A retiree or senior citizen discount
  • Security or safety equipment discounts
  • Bundled policies discounts
  • A discount for insuring multiple vehicles or drivers under one policy
  • A low mileage or infrequent driver discount

Focusing on Your Auto Insurance Coverage Today


Your physical address and mailing address may change numerous times over the years.

While you may not think that where you live has much to do with your auto insurance, you can now see how important it is to keep your provider updated with your current information at all times.

Many drivers will benefit substantially by contacting an existing provider to determine if car insurance rates will adjust based on a new mailing address.

Now is also a great time to request new auto insurance rates online and to identify potential savings available through other car insurance companies.

Compare right here by using our free quote tool below.

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