Can you insure someone with a different address?
Asked by: Jarrett Pfannerstill | Last update: August 22, 2025Score: 4.4/5 (2 votes)
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 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.
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 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.
Cheap Car Insurance! Can you use a different address to get cheaper rates on your car insurance?
Can I put someone on my car insurance if they don't live with me?
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.
How long can I use my parents' address as my permanent address?
Your parents' home where you can return to at any time still remains your permanent home address. This is even if you've lived away from this address for the past four or five years.
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.
Can a mailing address be different than a residence?
A residential address is the real street address of one's home, which is a form of mailing address. However, not all mailing addresses are residential addresses, as mailing addresses can also be stores, offices, P.O. boxes, virtual locations, or other options.
Does your insurance address have to match your ID?
The short answer: yes, your insurance policy, your driver's license as well as your vehicle registration should all have the same (current) address. Let's explore the reasons why you should get this done quickly after a move.
What happens if you don't change your address on your driving licence?
If you never get pulled over, then the odds are that nothing will happen, but you would still likely violate a state regulation. But if you are at a highway checkpoint or get pulled over for a potential infraction, you could face penalties depending on the state and how long you've lived there.
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 you share car insurance with different addresses?
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. However, as soon as they move in and their permanent address is the same as yours, you can update your policy to add your friend.
Can insurance deny claim for wrong address?
If you changed addresses when you moved into a new house and failed to notify your insurance provider, your insurer could deny a future claim. While this is unfair, this condition is actually stated in your contract with the insurer, so always make sure to read and fully understand your policy's terms and conditions.
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.”
Is it illegal to use a different address?
Many states have specific laws that criminalize the use of an incorrect address, while other states prosecute parents under general fraud statutes. Parents have been prosecuted, jailed, or fined excessively for lying about their address to get their children into a better school.
Can my permanent address be different from where I live?
Permanent Address: Your permanent address is the location where you reside. This is usually an apartment, house, or any address that describes where you live. Mailing Address: Your mailing address is the place where you would like to receive your mail.
Is it legal to use someone elses address for car insurance?
It can be anything from lying about a garaging address (the location where your vehicle is parked for most of the year) to exaggerating an accident to outright staging one. Fraud is illegal in all 50 states, and insurance companies work hard to investigate and expose fraudulent insurance claims.
Can I add someone who doesn't live with me to my car insurance?
Yes, non-relatives like close friends or caretakers who frequently use your vehicle can typically be added to your car insurance policy.
Can you insure a car that is not at your residence?
If you're homeless and in need of car insurance, keep your vehicle at a friend's house and use that address for your quote. It's critical that you park the vehicle at this location when it's not in use.
Can my mailing address be different from my residence?
The difference between a physical address and a mailing address is that a physical address is where you are geographically located and a mailing address is where you get your mail. Often a physical address and a mailing address are the same—but not always!
How do I get proof of address if I live with someone else?
If you live with family, let them provide proof of address documents with their names on them, then provide proof of your relationship. Ask for a letter or affidavit of residency if you're staying in a shelter or other facility.
What is considered a temporary address?
A temporary address is intended for short-term relocations or situations, typically lasting from 15 days up to one year. In contrast, a permanent address is used for indefinite periods and signifies your primary residence.
Can my parents insure my car if I don't live with them?
All drivers that share the same permanent residence should be listed on each policy. If you're married and don't live with your parents, you'll need your own policy.
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.