Car insurance without an address
If you do not have a permanent address, obtaining car insurance coverage can be tricky. Your location is relied upon by car insurance companies as a major rating factor, as it allows them to gauge the risks posed by the area in which you drive most often: the density, number of traffic incidents, and weather can all contribute to this calculation. Without a fixed address, insurance companies can deem you overly risky, and ultimately uninsurable. Let’s explore further why your address is important and how you can find reasonably priced auto insurance.
Why is your address important for car insurance?
Some consumers feel it is discriminatory to include permanent address as a requirement of obtaining insurance. From an insurance company’s perspective, their reliance on this data point has to do with assessing risk.
An insurance company will use previous claims and population information for your ZIP code to price your policy. Without a fixed location the vehicle, it’s difficult for an insurance company to predict the kind of risk to which they’ll be exposed.
The table below highlights the differences in average car insurance rates between regions. Choose a region to see typical costs from top companies.
Other Factors Affecting Car Insurance Rates
Driving history, age and location are just some of the reasons your insurance might be expensive. Check out the factors insurance companies use to price your policy.
How to get car insurance without an address
Your ability to get an auto insurance quote without a permanent address depends on a few considerations. If you’re temporarily without an address because you’re waiting to move into a new apartment or home, you still should be able to get coverage tailored to your new residence.
If you’re living temporarily with a friend, you can try to get an insurance policy for the address of your friend. Because that’s where the vehicle will be parked, that counts as your listed address. Once you move to your permanent home, you should update this address.
