Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 9, 2022

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In a nutshell

  • Insurance companies use addresses to calculate insurance rates
  • Using an incorrect address is a form of insurance fraud
  • If you notice someone using your address and they don’t live with you, it’s important to report them to the insurance company

Someone is using my address to buy car insurance, what do I do?

The only person who should be using your address for car insurance is you. It’s important to understand the important auto insurance questions and how insurance is calculated and why someone would potentially use your address. It may happen where you think that letting someone use your address for car insurance is doing them a favor, but it’s actually not a good idea. If someone is using your address without your permission, that’s even worse.

You need to know how to handle a situation so you don’t end up getting in trouble because someone used your address for car insurance.

Make sure you have coverage in place but don’t overpay for it. Enter your ZIP code into our free rate comparison tool to find the auto insurance company that’s right for you.

How Insurance is Calculated

Once you understand the factors used by insurance companies to calculate the cost of premiums, you will see why someone might use your own address instead of their own.

Every insurance company calculates premiums in a slightly different way. One company may put more emphasis on one factor over another.

This variance is why it’s so important to get quotes from multiple insurance companies. Otherwise, you could be spending considerably more on monthly premiums than what you would like.

Insurance companies will look at:

  • Your address
  • How you store your vehicle
  • Your age and gender
  • Year, make, and model of vehicle
  • Your driving history

Your goal is to make sure that all of this information is supplied to the insurance company accurately.

Any falsifications could void your insurance policy or result in criminal charges for insurance fraud. Not all insurance companies will request proof of everything.

They will go by the information on your driver’s license as well as how you answer specific questions online or over the phone.

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Can someone use my address for car insurance?

There are plenty of reasons as to why someone might use your address for buying auto insurance. If someone lives in an area where it is more expensive for them, they might choose a random address in a suburb where insurance is cheaper.

By using this address, the insurance company calculates their premium at a more affordable rate. This calculation could save someone a significant amount of money throughout the year.

Your address might also have a garage which provides protection for a vehicle. Having a garage is tied to being able to save money, which is a strong incentive for many people to use someone else’s address.

With the age of the internet, people feel as though they can use a false address and get away with it because all the billing and communication are done online.

A person would never have to receive mail to the physical address and could fly under the radar potentially forever.

How do I stop someone using my address?

There might be all sorts of ways to notice someone using your address for car insurance. The first might be that you get some kind of communication from an insurance company with a name that isn’t yours.

Even though many insurance companies send emails and use online portals, regular mail will be used from time to time.

Mailed communication might cover such things as:

  • Changes to a policy
  • Renewal notices
  • Details regarding a claim that was filed

If you receive any kind of mail from an insurance company that lists another person’s name, it is important for you to report it.

Insurance companies don’t learn about insurance fraud on their own in many instances. They depend on citizens to report it.

You can choose to call the insurance company or a specific agency in your state that deals with insurance fraud. Depending on what proof you have, it might be something that is very easy for them to clear up.

In some instances, you might have to show proof that you live at the address. Particularly if another person is using your address with the same insurance company you want to get a policy from, the insurance company might not believe you.

They might only allow one name per address and therefore you will have to show a bill with your name and address on it or send a copy of your driver’s license with your current address.

The Bottom Line

It’s easy to see why someone might use your address for auto insurance. However, you need to know how to see the signs that it is being done.

More importantly, you need to report it so that it doesn’t have the potential to affect you and your ability to get a good insurance policy.

Compare car insurance quotes right here by entering your ZIP code into our free comparison tool.