Is an Auto Insurance Bill a Utility Bill?

Is car insurance considered a utility bill? No, your auto insurance bills are not classed as utility bills because utilities are typically trash, water, sewage, and electrical services provided by your local government. The DMV may request utility bills to verify your address. To lower your auto insurance bill, start comparing car insurance quotes today with our free comparison tool below.

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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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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

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 Leslie Kasperowicz

UPDATED: Jun 6, 2022

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What counts as a utility bill? Does a car insurance bill count? Can you use a car insurance payment invoice as proof of residence or to prove your identity?

Today, we’re explaining whether or not auto insurance is considered a utility bill.

Is car insurance considered a utility?

Is an Auto Insurance Bill a Utility Bill?

Car insurance doesn’t fall into any of the above categories. Car insurance is an indemnity contract between an insurer and a car owner that protects the owner from financial loss. It’s a service provided by a private company – your insurer. You don’t need car insurance to keep your property maintained.

Yes, most drivers make monthly car insurance payments – just like they make a monthly payment for each utility expense like gas bill, electricity bill, trash, water bill, sewage, and other and other utility payments.

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Can you use car insurance payments as proof of address?

If someone needs proof of residence, then they may ask you to bring something like a utility bill which should have your name and a clearly listed address.

If you need to prove you live at a specific location, for example, or that you qualify for a “locals discount”, then you may need to provide a utility bill.

In this situation, it’s possible that you could use your car insurance bill as proof of residence. Your car insurance bill should:

  • list your address
  • comes from a reputable, independent service provider – similar to utility bills.

Ultimately, it’s up to the insurance company to check your proof of address documents to decide if car insurance counts as a utility costs for this purpose.

Of course, many drivers don’t receive a specific car insurance bill: they just have money deducted from their account monthly. Your mileage may vary.

Why does the DMV request two utility bills along with one or more forms of ID?

The most common reason to wonder whether or not to use car insurance as utility payments is when someone requests a utility bill as proof of residence.

In many states, the DMV or another government agency, for example, will require an individual to prove where they live by presenting two utility bills along with one or more forms of valid, government-issued photo ID.

In this situation, you may be able to substitute a car insurance document as a utility bill. Again, your mileage may vary, and it’s up to the discretion of the person who ultimately verifies your residence documentation.

Some things to consider when confirming your legal address with the DMV or another government organization include:

You Can Use Multiple Documents to Prove your Residence

The most common documents to use to prove you reside at a specific address include your most recent gas, electric, and/or water service bill. Depending on your situation, you may also be able to use a bank statement, tax forms, mortgage payment document, a rental agreement, or similar documentation.

Common Problems with Documentation

If you’re having trouble finding documents to prove your residence, then you’re not alone. Some people don’t pay their own utility bills, for example, or your utility bills may be in another family member’s name. In this case, you may be able to substitute a car payment or car insurance document instead. Again, the final discretion lies with the individual verifying your identity.

You Can Get Car Insurance Even If You Don’t Own a Vehicle

You’ll want to be sure that you are still protected even when you are not driving your own car.

There’s something called non-owner car insurance that some drivers choose to get. This car insurance protects you when driving someone else’s vehicle or renting a car. If you don’t own a car but frequently drive someone else’s, then you may want this extra layer of protection. A non-owner car insurance policy may also be able to be used as proof of residence.

What’s our final word?

Car insurance payments and utility bills have several things in common. Both are paid regularly. Car insurance payments are not considered utility bills. However, you may still be able to use your car insurance documentation to prove your residence – say, if you need utility bills to prove your residence at the DMV, a bank, or a government organization.

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