Can you continue to use your parents’ address for auto insurance after you’ve moved out?

If you continue to use auto insurance with your parents' address after moving out, you could be charged with insurance fraud. Getting auto insurance with a different address is fraud and costs the insurance industry an estimated $40 billion per year. Most drivers lie to save money on auto insurance, but it's better to find affordable auto insurance than risk the penalties that come from using your parents' address for auto insurance after moving out. You could face fraud charges, financial penalties, and having your auto insurance policy invalidated if you lie to save on your car insurance rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 27, 2021

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What You Should Know

  • There are an estimated 10.2 million people who lie on their auto insurnace applications each year.
  • Insurance fraud costs the insurance industry nearly $40 billion a year.
  • This translates to an estimated cost of between $400 and $700 per U.S. family.

Can you continue to use your parents’ address for auto insurance after you’ve moved out? Many young adults are asking this, along with, “Can I continue using a different car insurance address after I move?” Unfortunately, auto insurance with your parents’ address is illegal if you move out.

If you’re wondering if I move to the big city from a small town, can I continue using my previous address to get lower car insurance rates, or if I move out of my parents’ house and into the big city, can I continue using their address to lock in a lower rate?

This is a commonly asked question in our auto insurance FAQ. Unless your primary address is still your parents’, using your parents’ address for auto insurance after moving out is invalid and illegal.

Today, we’re answering all your questions about if using your parents’ old address is legal. If you recently moved and want better rates for auto insurance with parents’ address, enter your ZIP in our free tool above for auto insurance quotes now.

Why must you tell your insurance company where your vehicle is parked at night?

What is an insurance address? Can I use my old address in another state to avoid paying higher insurance prices in my new state? Does an address change affect car insurance?

First and most importantly, let’s clear something up: when your car insurance company is asking for your address, they want to know where your car is parked at night.

What if you lie about where you live to an insurance company? If you claim that you live in a small town when you really live in a big city, then you may be committing auto insurance fraud.

Can you insure a car at a different address than where you live?

It’s illegal to live at one address while using another address for car insurance. The exception is if you are a college student, as college students’ car insurance addresses are still their parent’s primary address, not their college address.

Does your address affect your auto insurance? Absolutely. Your ZIP code plays a role in insurance rates. Different ZIP codes have different accident rates. Some ZIP codes have higher rates of vehicle theft and vehicle break-ins.

Some ZIP codes – like crowded ZIP codes in the middle of big cities – have higher accident rates. Your insurance company uses all of this information when calculating auto insurance prices – which is why it’s important you tell the truth on your auto insurance.

Typically, moving to different cities within the same state won’t have a huge effect on auto insurance rates. However, moving to a different state can significantly affect your insurance rates. Take a look at the table below to see how rates can vary by state.

U.S. ZIP Codes with the Highest and Lowest Auto Insurance Rates per State
StateLeast Expensive Zip CodeCityLowest Average Annual Auto Insurance RatesMost Expensive Zip CodeCityHighest Average Annual Auto Insurance Rates
Virginia24450Lexington$2,018.1322312Alexandria$2,871.02
Hawaii96703Anahola$2,198.6296704Captain Cook$2,859.11
Ohio44883Tiffin$2,325.3843224Columbus$3,667.48
Alaska99820Angoon$2,335.9799504Anchorage$3,132.74
Massachusetts02554Nantucket$2,378.9002119Boston$5,333.79
Maine04742Fort Fairfield$2,403.9004684Surry$2,785.77
Washington98368Port Townsend$2,461.5498118Seattle$4,079.23
Wisconsin54130Kaukauna$2,491.3053206Milwaukee$5,102.46
Iowa52241Coralville$2,598.2751501Council Bluffs$3,633.75
Idaho83716Boise$2,612.8883536Kamiah$3,008.28
New York14830Corning$2,729.5911212Brooklyn$10,751.24
California93401San Luis Obispo$2,731.3290210Beverly Hills$6,324.83
Illinois61443Kewanee$2,792.5160636Chicago$5,437.22
North Carolina28701Alexander$2,860.5928205Charlotte$4,803.84
Montanna59635East Helena$2,866.4559089Wyola$3,457.81
Arizona86403Lake Havasu City$2,883.4685009Phoenix$5,479.07
New Hampshire03431Keene$2,887.7703104Manchester$3,845.88
Wyoming82801Sheridan$2,896.6683414Alta$3,156.85
Indiana47909Lafayette$2,931.8646402Gary$4,747.17
Missouri65301Sedalia$2,938.1863120Saint Louis$5,220.97
New Mexico88310Alamogordo$2,948.8987121Albuquerque$4,364.29
Oregon97850La Grande$2,953.6097236Portland$4,908.54
Kansas67401Salina$2,954.9366115Kansas City$4,318.12
Mississippi39759Starkville$3,077.3339086Hermanville$4,323.64
Vermont05446Colchester$3,098.6705079Vershire$3,314.44
South Carolina29672Seneca$3,115.5829933Miley$4,519.05
Pennsylvania16823Bellefonte$3,116.0119133Philadelphia$8,527.54
Nebraska68803Grand Island$3,133.8168111Omaha$4,516.91
Texas76901San Angelo$3,157.6878049Laredo$5,538.80
Tennessee37601Johnson City$3,173.6538118Memphis$4,991.62
Utah84721Cedar City$3,239.5884104Salt Lake City$4,580.22
Colorado81504Grand Junction$3,291.1380219Denver$4,762.40
Alabama36360Ozark$3,310.0535218Birmingham$4,428.60
Nevada89406Fallon$3,411.0889101Las Vegas$7,486.53
South Dakota57201Watertown$3,467.8157770Pine Ridge$4,695.24
Florida32694Waldo$3,481.3533142Miami$7,631.16
West Virginia25401Martinsburg$3,519.1025621Gilbert$5,111.14
Kentucky42303Owensboro$3,562.7241542Lookout$7,400.56
Oklahoma73555Manitou$3,646.9874110Tulsa$5,150.50
Maryland21783Smithsburg$3,658.8621216Baltimore$8,830.19
Arkansas72626Cotter$3,675.9372202Little Rock$4,957.15
North Dakota58104Fargo$3,677.1858538Fort Yates$4,477.64
Connecticut06340Groton$3,896.1006103Hartford$6,373.96
Rhode Island02842Middletown$3,908.0102907Providence$7,262.39
Minnesota56007Albert Lea$3,976.8055411Minneapolis$6,620.56
Georgia31699Moody AFB$3,976.8230314Atlanta$6,991.02
Louisiana71439Hornbeck$4,332.4870117New Orleans$9,303.50
District Of Columbia20001Washington$4,383.6120002Washington$4,440.79
New Jersey07926Brookside$4,592.1707102Newark$8,512.59
Delaware19930Bethany Beach$4,953.7906340Groton$3,896.10
Michigan48880Saint Louis$7,916.2948201Detroit$30,350.09
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What happens if you lie about your vehicle’s location?

Can you use a different address for car insurance?

When you apply for auto insurance, your auto insurance company will ask for an address. You give them the address, then they give you auto insurance based on the ZIP code stated in that address.

Your auto insurance company won’t check to make sure your vehicle is parked at that address most nights. However, if you ever need to make a claim, and your auto insurance company discovers that you lied about your vehicle’s location, then your claim may be denied.

According to the Insurance Information Institute (III), misrepresenting facts (such as an address) is a common way customers commit fraud, so insurers will always double-check facts when going over a claim.

Let’s say your car is broken into on the street outside your home in the downtown area of a big city. Your car needs extensive repairs. Your auto insurance company investigates the claim to verify everything is correct.

However, they find that you have listed your address as a separate location in a small town to get lower insurance prices. You might have listed the address of your parents’ house or your girlfriend’s house, for example, in order to lock in a lower rate.

If your insurance company discovers you have lied about the location of your vehicle, then this could be one of the reasons why your car insurance claim might be denied.

Auto insurance companies have divisions called Special Investigative Units. These divisions, aided by law enforcement, will verify all of the information surrounding your claim.

This is a crucial part of reducing insurance fraud. If it’s discovered that you lied about your address to get lower rates, then your auto insurance claim could be denied or reduced.

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Contacting your Auto Insurance Company to Check That Your Address is Correct

Lying about your address may seem like a minor mistake. However, it’s a small mistake with big consequences. Auto insurance with a different address is considered fraud, as your rates change depending on your ZIP code.

How do I complete a car insurance change of address?

Contact your insurance company today to explain your change of address. You don’t want to pay for an auto insurance policy that you can’t use. If your auto insurance policy lists an incorrect address, then you may not be able to make a claim.

The sooner you contact your insurer, the sooner you can limit your liability by changing your address with auto insurance.

Moving Effect on Auto Insurance Rates

How does your address affect auto insurance? Insurance companies take dozens of factors into account when calculating auto insurance rates. Your ZIP code is just one factor of many.

In most cases, moving to a new address in the same geographic area won’t have an enormous effect on auto insurance prices, which is why you have little to lose by updating your current address with your auto insurance company.

If you’re moving to a new state and changing your car insurance, however, auto insurance prices can change substantially. Regardless of where you’re moving, however, it’s in your best interest to tell your auto insurance company your current address.

Insurance companies lose billions of dollars to fraud every year. Some of this fraud is major: you might ask your friend to steal your car when you leave it unlocked in front of your house.

Other fraud cases seem minor – you might list your parents’ small-town address as your home address when you’re actually living in a big city, allowing you to save $200 per year on auto insurance rates.

Unfortunately, both of these situations are examples of insurance fraud that could cause your claim to be denied.

Your insurance company needs to know where your car is parked most nights of the week. The ZIP code where your car is parked at night plays a crucial role in determining your auto insurance rates.

If you lie about this location in an attempt to get a cheaper rate on auto insurance, then your claim may be denied.

We hope our guide answered your questions about if you can use your parents’ address for auto insurance and how does address change affects auto insurance.

Can you continue to use your parents’ address for auto insurance after you’ve moved out? Now that you know the answer, enter your ZIP in our free tool below for auto insurance quotes now.

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Frequently Asked Questions: Can you continue to use your parents’ address for auto insurance after you’ve moved out?

Do you still have questions about which address to use for auto insurance and how does your address change affect auto insurance? Read on to see what others are asking about how does changing your address affects auto insurance.

#1 — What if I’m moving out of state with parents’ car?

If you are moving to a new permanent address with your parent’s car, it is best to have the car transferred over to your name and buy your own insurance plan. Otherwise, your parent’s insurance may not cover an accident because the car is permanently in another state.

#2 — Can I have auto insurance at two addresses?

Can you have car insurance living at two addresses? While you can still get auto insurance while living at two different places, insurers will ask you for just your garaging address — where your car is parked the majority of the time.

Auto insurance with a different address than your primary home will likely be declined if you make a claim.

#3 — What if my auto insurance address is different to my driving license?

If your driving license and insurance are at different addresses, you need to correct the situation immediately.

Your auto insurance address and driving license address need to match. Generally, you will have 10 days to update your license address after moving into your new residence, whether it a different address on a driving license and address in Ontario or you forgot to change an address on car insurance in the UK.

Having a car insurance address different from your driving license should be resolved as soon as possible. That way your claims aren’t denied.

#4 — What if my car registration and insurance are different addresses?

Does your car insurance and registration address have to match?

Once again, you need to make sure your car registration and insurance match. If you just moved, you have a little while to change your car registration and insurance to match. Just don’t put it off, or you could be accused of fraud.

#5 — Can I stay on my parents’ car insurance if I move out?

You can stay on your parents’ auto insurance plan even after you move out, but only in specific circumstances:

  • If you’re attending school, you can remain on your parents’ auto insurance policy.
  • If you are a dependent and driving a car owned by your parents, you can stay on their car insurance policy.
  • If you are living in a home owned by your parents you are allowed to stay on their car insurance policy. 

If you stay on your parents’ policy in other circumstances, you shouldn’t be. Be careful not to accidentally commit fraud if you are on your parents’ car insurance policy but are not in any of the above circumstances.

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