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Home » Can You Use Someone Else’s Address on Your Auto Insurance?
April 28, 2024
Bargain Insurance Connection

Can You Use Someone Else’s Address on Your Auto Insurance?

Using a friend or family member’s address, especially if they live in a safer neighborhood, is a common tactic to reduce auto insurance premiums. However, this practice, seemingly harmless and financially savvy to some, is viewed as fraudulent by insurance companies. Consequently, such actions can lead to severe repercussions, including the cancellation of your policy or denial of claims. Therefore, it’s crucial to be transparent with your insurance provider to avoid these risks.

One of the main reasons using someone else’s address on your auto insurance is considered fraudulent is because it misrepresents where the vehicle is primarily located. Insurers use a variety of factors to determine premiums, such as location, crime rates, and accident statistics. By using an address that differs from your actual residence, you are providing false information about your driving habits and risk.

How Auto Insurance Companies Check for Addresses?

Insurance companies use several methods to verify addresses. They may examine your driving record, look into your claims history, and consult publicly available data. This rigorous process helps ensure the information provided by policyholders is accurate and truthful. Insurance fraud is a significant issue for the industry, resulting in billions of dollars in losses each year. Therefore, insurance companies have strict protocols in place to detect and prevent fraudulent activities.

Letting Someone Else Use Your Address for Auto Insurance

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.

Typically, the company will request documents like utility bills or a recent paycheck stub showing another address.

In many instances, obtaining verification that someone does not reside at your address can present significant challenges. For those who have permitted another individual to use their location for insurance purposes, collecting concrete evidence such as utility bills, rental agreements, or employment records showcasing a different address can be complicated.

This difficulty often arises from privacy concerns, reluctance to share personal documents, or logistical issues in gathering such evidence quickly.

Furthermore, the person using your address may not have easy access to documents required by insurance companies, complicating the situation further and putting you at risk of policy complications or cancellations.

Customer signing up for car insurance

What Should You Do If You Find Someone Using Your Address Without Your Permission?

If you receive mail from an insurance company addressed to someone who doesn’t live with you, take immediate action. Firstly, do not open the envelope. Instead, contact the insurance company directly using the contact information on the envelope. Clearly state that the individual named on the envelope does not reside at your address.

The insurance company will then reach out to their policyholder to address the discrepancy or proceed with cancellation. This approach ensures the integrity of your address and helps prevent potential complications.

How to Save Money on Auto Insurance Legally?

While using someone else’s address may seem like a quick and easy way to save money on auto insurance, it is not worth the potential risks. Instead, there are various legal ways to reduce your premiums without resorting to fraudulent practices. Some common methods include:

  • Choosing a higher deductible
  • Maintaining a good credit score
  • Bundling policies with the same insurer
  • Asking for discounts (e.g., good driver, low mileage)
  • Completing a defensive driving course
  • Shopping around for the best rates

By being open and honest with your insurance provider and taking advantage of legitimate cost-saving methods, you can get the coverage you need at an affordable price.


Using someone else’s address on your auto insurance policy is not worth the potential consequences. Insurance fraud is a serious offense and can lead to financial, legal, and personal repercussions. Instead of resorting to deceitful tactics, it’s essential to be transparent with your insurance company and explore legitimate ways to save money on premiums.

Get Legal Savings with Bargain Insurance Connection

Let Bargain Insurance Connection save you money on auto insurance the legal way. We collaborate with numerous national companies in Missouri, Kansas and Illinois. Our agents are expertly trained to apply all discounts you qualify for. Give us a call today or request a quote below to start saving.

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Read More:

Can I Insure a Car That Is Not In My Name?

Can Someone Drive My Car if They Are Not on My Insurance in Missouri? Here’s What You Need to Know


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