What should I do if someone is using my address for their auto insurance? (Steps to Take in 2024)
If someone uses your address for auto insurance, contact the company to let them know. You should also contact your auto insurance company so your rates aren't affected. While minimum rates average $45/mo, drivers who live in more expensive areas may use a fake address for cheaper insurance rates.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Oct 25, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
If someone is using your address for auto insurance, call the company immediately to let them know. You should also let your own auto insurance company know, as it could affect your insurance profile even though you haven’t authorized anyone to use your address.
People often try to use a home address that isn’t actually theirs in order to secure better auto insurance rates. Read on to find out more about how to figure out if someone is using your address for auto insurance, what it means, and what you can do about it.
Looking for affordable insurance at your address? Enter your zip code in our free tool to compare car insurance rates from multiple companies simultaneously.
- Using someone else’s address for auto insurance is insurance fraud
- Fraud can result in a $50,000 fine or up to five years in jail, depending on the state
- Call your insurer for help if someone is using your address for auto insurance
What to do if Someone is Using Your Address for Auto Insurance
What happens if someone is using my address for auto insurance? You may receive an insurance letter in a stranger’s name, but the address is yours. While this may seem a little bizarre, it does happen. If you do happen to receive mail like this, it could be an error on the insurer’s part.
However, it could also be someone using your address for auto insurance, so it’s important to follow up and verify, as drivers will use different addresses for better insurance rates.
Someone using your address for insurance can put your own insurance profile at risk, and it can be a real problem for you, particularly if you are comparing insurance rates yourself.
You can call the insurer and provide the full name and address on the piece of mail to determine whether or not someone is trying to commit fraud.
If someone is indeed fraudulently using your address, you should report it immediately. Your insurance profile may be affected by the other person’s driving record or claims history.
Insurance companies run C.L.U.E. reports to verify if you or anyone in your home has hidden claims from third-party insurers.
The person using your address may have many claims on their record, and this will come up when a potential insurer reviews you. The best thing to do is get it sorted out right away because there are several factors that affect car insurance rates.
How To Change Someone’s Address on Insurance
If you receive mail addressed to someone you don’t know with your address on it, go ahead and call the insurer first. Let them know that the person identified on the envelope does not reside at your address.
The insurer may ask a few questions to confirm your identity and verify that there really is fraudulent activity going on. You can ask the insurer to remove your address from the consumer’s profile. The insurer will handle getting in touch with the client to notify them of the change of address.
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Why Drivers Use Other Addresses for Auto Insurance
Why is someone using my address for auto insurance? The reason people tend to use someone else’s address for their auto insurance is to secure a better premium. Using someone’s address may seem like a harmless way to save a few bucks, but it’s actually insurance fraud. It comes with some pretty hefty penalties for anyone guilty.
Most address fraud is a result of how much insurance rates vary based on location. This is why you usually can’t have your car registered in one state and insured in another, as rates by states vary so drastically, as you can see in the average rates below.
Auto Insurance Monthly Rates by State & Coverage Level
State Minimum Coverage Full Coverage
Alabama $33 $72
Alaska $45 $86
Arizona $42 $81
Arkansas $33 $76
California $41 $82
Colorado $43 $82
Connecticut $54 $96
Delaware $67 $103
Florida $71 $105
Georgia $46 $87
Hawaii $38 $73
Idaho $29 $57
Illinois $37 $74
Indiana $32 $63
Iowa $25 $59
Kansas $30 $72
Kentucky $44 $78
Louisiana $65 $117
Maine $28 $59
Maryland $51 $93
Massachusetts $51 $94
Michigan $66 $114
Minnesota $38 $73
Mississippi $38 $83
Missouri $35 $73
Montana $32 $72
Nebraska $30 $69
Nevada $57 $92
New Hampshire $33 $68
New Jersey $72 $115
New Mexico $41 $78
New York $67 $113
North Carolina $30 $66
North Dakota $25 $64
Ohio $33 $66
Oklahoma $38 $84
Oregon $49 $75
Pennsylvania $42 $81
Rhode Island $63 $109
South Carolina $44 $81
South Dakota $25 $64
Tennessee $34 $73
Texas $44 $92
Utah $41 $73
Vermont $29 $64
Virginia $35 $70
Washington $50 $81
Washington, D.C. $52 $111
West Virginia $41 $85
Wisconsin $31 $61
Wyoming $27 $71
U.S. Average $45 $84
Even within the same state, your address makes a difference. To avoid overpaying for auto insurance, some people try to get better rates by giving an address from a different area since auto insurance rates by ZIP code can vary.
In neighborhoods with higher crime rates, car insurance may cost more than in affluent neighborhoods where car theft, general crime, and car accidents are much less frequent.Dani Best Licensed Insurance Producer
Some would argue that basing insurance premiums on neighborhoods is discriminatory, but the fact remains that insurance premiums are based on how likely the insurer is to file a claim. If the ZIP code they provide is deemed “safer,” then they can save on their insurance premiums.
Protecting Yourself From Someone Using Your Address for Auto Insurance
It can be very frustrating to find out someone is using your address for auto insurance without your consent, especially if it leads to financial consequences for you or your family members. You may not think it’s a big deal if something is sent to you with someone else’s name on it.
It may simply be a mistake, but it may also be a fraud. Either way, it can affect you if the person named has claims on their insurance profile.
Working with the insurer to understand why someone is using your address for auto insurance could save you and your family members on auto insurance premiums. When in doubt, pick up the phone and call.
No matter where you live, compare rates with our free quote tool to find affordable car insurance rates that work with your budget.
Frequently Asked Questions
What should I do if someone is using my address for auto insurance?
If someone is using your address for auto insurance without your consent, report it immediately to the insurer to protect your insurance profile.
Why would someone use my address for auto insurance?
People may use someone else’s address for auto insurance to secure better premiums based on location factors such as crime rates and claim likelihood.
What are the risks of letting someone use your address?
Letting someone use your address for auto insurance is address fraud, so you should never let someone use your address or use someone else’s address for your car insurance (Learn More: Do auto insurance companies check where you live?). You also risk that person using your address for identity theft and other potential issues.
How can I change someone’s address on their insurance?
If you receive mail addressed to someone who doesn’t live at your address, contact the insurer to inform them and request the removal of your address from the consumer’s profile.
What are the potential consequences of someone using my address for auto insurance?
If someone using your address has claims on their insurance profile, it can affect your own insurance rates and coverage. Promptly addressing the issue can help mitigate any negative impact.
How can I protect myself if someone is using my address for auto insurance?
Stay vigilant and contact the insurer if you suspect fraudulent use of your address. Working with them to resolve the issue can help safeguard your insurance profile and potential financial consequences.
Is using parents’ address for car insurance okay?
You can’t use a parent’s address for car insurance unless you live with them. If you use their address fraudulently, your auto insurance company will drop you for fraud. The exception is if students are away at college and the car stays at the parent’s residence (Read More: Best Auto Insurance for a Student Away at College).
To find affordable car insurance as a young driver, use our free quote tool to find affordable auto insurance in your area.
How do I find out if someone is using my address?
Some signs that someone may be using your address include mail sent to your house in someone else’s name, unfamiliar subscriptions, changes to your credit profile, and more. If you have any suspicions someone is using your address, you can contact the company sending you mail, put a fraud alert on your credit, file a complaint with USPS, and more.
What can someone do with your address?
If someone has your address, they can use it fraudulently to sign up for services, try to commit identity theft, and more.
How do you take a person off your car insurance?
If someone is no longer living with you at your address, you can usually manage your auto insurance policy and make driver changes through your insurance company’s app or website. If not, you can just make a quick call to your insurance company.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.