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Getting Car Insurance Without an Address


WRITTEN BY: Julia Matseikovich

UPDATED: JUNE 02, 2022 | 3 MIN READ

If you don’t have a permanent residence, obtaining car insurance could be challenging. Car insurance companies use your address to gauge risks associated with your location and what areas you will be driving in most often. Fortunately, you do have options, and we’ll explain them throughout this article.

Quicklinks For Getting Car Insurance Without an Address

Can You Have Car Insurance Without An Address?

The short answer is no. Car insurance companies need to know where the vehicle is housed to properly calculate your rates.

Many people get around this by providing false information to their insurance companies. You shouldn’t do this though.

Instead, here are the steps to follow  to get insurance when you don’t have a permanent address:

  • Research to understand and determine which insurance coverage is necessary by your state. Once you know what kind of coverage is needed, you can choose the type of coverage that fits your budget.
  • If you need assistance in learning insurance basics, speak to an insurance agent. This way, you know you’re purchasing the right coverage for you.
  • Obtain a P.O. Box to use as a temporary mailing address.
  • Once you can obtain a permanent or less temporary residence, update your address with your insurance company.

Providing proof of residency is sometimes necessary for insurance companies, so you will need to provide one or more of the following as evidence of your address:

  • Utility bill within the last few months
  • Bank statements for the last few months
  • Medical bill or some other form of a bill that has your address on it
  • Copy of your driver’s license

When you establish your permanent home, understand that the cost for your insurance premiums could change depending on multiple factors.

Homeless Car Insurance

If you are homeless or live in your vehicle, you might not be able to obtain insurance for it. This is because the insurance company will view a person living in their car as a considerable risk.

If you are homeless but require car insurance, the best thing you can do is keep your vehicle with a friend or family member who has a residence and use that as your address for your quote. Be sure that you keep your vehicle parked at that location when you are not using it.

Why Does The Car Insurance Company Need My Address?

Car Insurance companies ask for your physical address to determine the amount of risk in the area. When you have a car insured and live in an area with a higher crime rate, your car insurance rates are typically higher. This is because there’s an increased risk of theft and vandalism.

There are many factors that the insurance companies use when determining your premium and what you will pay for your coverage, such as:

  • Credit score
  • Age
  • Driving history (years of experience on the road)
  • County (ZIP Code)
  • Insurance history
  • Activity in the area (i.e., crime rates, risk of accident)
  • Annual mileage

If any address information is falsified, the insurance company will quickly reject your application.

Getting Car Insurance Without an Address FAQs

Can I get car insurance while living in a hotel?

Yes. In fact, your insurance company needs an accurate address for the location of your vehicle. If that happens to be a hotel temporarily, that’s okay. However, you should make sure you tell your insurance company the hotel’s address isn’t your mailing address and update your address information once you’ve established a permanent residence.

How do I register and insure my car in a new state if I don’t have my new address yet?

Find a residence in your new state before you update your car insurance and registration. Most states and insurance companies have grace periods that allow for people who are moving. As long as everything is updated within the legal time frame, your car insurance should still cover you. Of course, this varies between companies so it’s always wise to check with your auto insurance company for the exact process.

What steps can I take to lower my auto insurance costs after a move?

After you move into your new place, get car insurance quotes from multiple companies to determine which one is the most cost-effective option. Also, be sure to ask every company what discounts are available to you.

How to Get Car Insurance Without a Permanent Address

Getting car insurance without an address might be difficult. However, it’s not impossible. Get a quote from several insurance companies to make sure you’re getting the best rates and the discounts available to you.

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