Can someone at a different address be on my car insurance?
Asked by: Marc Corkery III | Last update: June 5, 2025Score: 4.6/5 (74 votes)
Can people at different addresses be on the same car insurance?
A car insurance company might not allow you to add a friend who lives at a different address to your insurance policy. But the insurer might accept a caregiver who comes to your house regularly and drives your car to bring your children to their extracurricular activities.
Can you have someone on your car insurance that doesn't live with you?
You typically will not be able to add a non-related driver who does not live in your home to your insurance policy. If you and a friend own a vehicle together but do not live at the same address, you may have trouble obtaining an auto insurance policy.
Is it legal to use someone else's address for car insurance?
Lying about your address on your car insurance is illegal, even if you're related to or know the people who live at the false address you list.
Can I stay on my parents' car insurance if I live at a different address?
Nope. Your car needs to be registered and insured where you live. Besides that it's fraud, if you used your parents' address when you lived in another state, it would be easy for an adjuster to find out and the claim most likely would not be covered.
How To Get Cheap Car Insurance - Questions To Answer
Can I be on parents car insurance if I don't live with them?
Depending on your insurer, you can remain listed as a driver on your parents' policy as long as their home is your permanent address or you're a full-time student. Once you've permanently moved out, you'll likely need to obtain your own car insurance policy.
Does it matter what address is on your insurance?
Your location, where you park your car each day, is a key factor in determining your car insurance coverage price. Your insurance rate can increase for many reasons, including moving to a new address.
Can I have a different address on my license and insurance?
First of all, your insurance policy and your driver's license (as well as your vehicle registration) should use the same address. Depending on which insurance company you have, that will determine how quickly you should get this taken care of, but generally it's around 30-60 days.
Is using another person's address illegal?
Is It Illegal for Someone To Use Your Address? Yes, using someone else's address or someone using your address is illegal. This type of fraud is known as address fraud and manifests in various guises such as brushing scams and rental scams.
Can I get insurance with a different address?
Car insurance rates vary by zip code so the correct address must be used to avoid issues with the policy not being enforced if the wrong address is used just to get a cheaper rate. Having proper coverage and meeting the state's legally required limits is incredibly important.
What happens if you don't update your address with car insurance?
Failing to update the garaging address when moving home. This can impact your insurance coverage as when making a claim, the coverage will be based on your previous address and could result in not being able to claim any money back from the insurer.
Do you have to live where your car is insured?
If you split your time between states, your license, vehicle registration, and insurance should generally be in the state where you live most of the year. If you travel or divide your time between two locations, it's best to discuss your options with an attorney.
Can I insure my daughter's car if she doesn't live with me?
Unfortunately, because the car and your child are not located at your house anymore, they cannot stay on your car insurance policy unless they're a full-time student. Car insurance providers require that the insured live at their residence and park their car at their address to be listed on a policy.
Can I add someone who doesn't live with me to my insurance?
Can I add someone to my car insurance that doesn't live with me? Yes, if the person drives your car regularly, then you should add them to your insurance policy.
Does it matter whose name is on the car insurance card?
In most states, police will accept an auto insurance card that lists the car you're driving on it, and it doesn't matter if your name is specifically on the card (some states even accept electronic proof of auto insurance); however, Texas is different.
Do I have to list my roommate on my car insurance?
To ensure coverage, your roommate should be listed as a driver on your policy before they drive your vehicle. Damage to your vehicle may be covered if you've given your roommate permission to drive your car and they aren't listed on your policy, but it will depend on the situation and the insurer.
Can you use an address you don't live at?
Can Someone Use Your Address If They Don't Live There? In essence, yes: someone who requests your permission can legally use your address. To clarify why, let's review the difference between “residence” and “domicile.”
What are the risks of letting someone use your address for car insurance?
Providing someone else's address would subject the person who is claiming someone else's address as his/her residential address to potential civil and/or criminal liability for insurance fraud and also would subject the person to denial of any potential claim while insured using someone else's address.
What to do if someone is using your address but doesn't live there?
If you believe someone is using your address to commit fraud, you should: Report it: Report the ID theft to the Federal Trade Commission (FTC) and consider contacting your local police department. You should also report any mail fraud to the United States Postal Inspection Service (USPIS).
Does the address on my car insurance matter?
Essentially, your address helps insurers paint a picture of your overall risk profile. By understanding the factors associated with your location, they can more accurately assess the likelihood and potential cost of a claim, ensuring they charge a premium that reflects the risk you represent.
Does your car have to be registered where you live?
California allows nonresidents to register a vehicle in the state if the car is based in California or primarily used on California highways.
Do you have to have the same address to share car insurance?
If you and your friend don't currently share an address, then they won't be able to be on your car insurance policy — even if they're planning to move in at a later date.
Can you insure someone with a different address?
Similarly, if you permit someone who doesn't reside with you to use your address, you could face penalties. If your insurance company discovers this, they might add that person to your auto policy, potentially increasing your rates. In such cases, you might be required to prove that the person does not live with you.
Can you have a different address on your license than your insurance?
The short answer: yes, your insurance policy, your driver's license as well as your vehicle registration should all have the same (current) address.
What insurance does where you live affect?
Your place of residence has a significant effect on your car insurance premium, because insurance companies examine data that determines which areas residents are most likely to file claims.