Fake Address for Cheap Car Insurance

It's illegal to use a fake address for cheaper car insurance rates. If your insurance carrier finds out you have falsified information, your policy will likely be immediately canceled.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

  • It is illegal to use a false address to receive cheaper car insurance rates
  • What happens if you lie on car insurance? If your insurance carrier finds that you falsified information on your policy, they will likely cancel your policy immediately
  • Many insurance companies offer discounts for a variety of reasons

Is it legal to use a different address on your car insurance application so that you can get cheaper auto insurance? Faced with the rising costs of car insurance, more and more people seek out ways to save money and still maintain coverage.

While most people will go the traditional routes of altering coverage — learning about discounts and shopping around — still others will take more unconventional routes to save money.

There are people who, upon learning that their location influences their car insurance rates, will lie about their address to get cheaper car insurance. But is this legal?

In a word, no! It’s unlikely you’ll run into a law enforcement officer for using a scam address, but that doesn’t mean you won’t face legal repercussions.

Read on to learn some of the specifics of why you should not use a different address when applying for auto insurance, and then be sure to enter your zip code to compare car insurance quotes from many top companies today!

Why is it wrong to use a different address for cheaper car insurance?

When you are eliciting quotes for car insurance, it may at times be tempting to answer certain questions a little less than accurately. Your auto insurance company isn’t a bogus company, they have all the business licenses necessary to prove they aren’t a fake business listing. It only makes sense that they would expect the same legitimacy from their customers.

Most people know what triggers will end up earning them higher car insurance rates, and they want to avoid them.

However, most of those people are also smart enough to realize that insurers will access their driving record to find out exactly how many tickets and accidents they were involved in and when. Therefore, lying is useless.

Using a different address just to get cheaper car insurance is also likely to fail because insurers check things out thoroughly when issuing car insurance.

Much of the checking, however, is actually done after you have paid at least a portion of your premium and your policy is in force.

What makes it illegal to use a different address to get car insurance is the fact that you are entering into a legal contract under false pretenses. Insurance is considered a legitimate business.

Any incorrect information that you provide to the insurer jeopardizes the legal contract you have between you and the company and can mean nullification of the coverage.

Therefore, it is critical to give your real, physical address and answer all questions completely truthfully when purchasing car insurance, including even your email address!

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What are possible consequences of using a different address to cut auto insurance costs?

If you are caught using a different address to get cheaper car insurance — and you will be caught sooner or later — you will face multiple consequences.

While it is very unlikely that you will be charged with insurance fraud, the possibility does exist.

What is most likely to happen is that your policy will be canceled retroactively to the beginning. It will be as if you never had that car insurance policy at all.

If you have suffered losses during that time, there will be no claims payout.

If claims were indeed paid out on your behalf, the insurer will bill you for the amount.

You may even be sued if you refuse to pay.

Furthermore, without a car insurance policy in place, you will need to get busy finding car insurance so you can comply with minimum state requirements for insurance and any requirements for coverage that a lender may have if your vehicle is financed.

However, having a recent policy canceled for any reason is a big red flag for other insurers. This tells them that they may be a possible victim of fraudulent activity. It doesn’t matter if you’re one of the bad actors or good actors, there are consequences to not using your actual address. If you’re considering using a random address, don’t.

You are very likely to find it difficult to find coverage, especially at a good price. Because of your deception, you are now deemed high-risk and have the auto insurance premiums to go along with the title. As with any legitimate service, there are defense mechanisms in place to prevent extortion scams.

What legal ways can someone use to find cheaper car insurance?

There are many different ways for you to get cheaper car insurance.

The most obvious way is to shop around carefully, get as many quotes as possible from different insurers, and compare them to find the best deal. Make sure to use your residence address!

Guidelines and rates vary from company to company. That’s why shopping around is so important.

You should also look at adjusting your coverage. If your vehicle is older and is no longer financed, you may want to consider removing comprehensive and collision coverage, which will save you significantly on your yearly premiums.

If you do not want to eliminate these types of coverage, or can’t because your vehicle is still financed, you should instead raise the deductibles to save on premiums.

Just be sure the amount is one that you can cover out-of-pocket if needed.

When shopping for coverage, be sure to ask about discounts. When you have narrowed your choices of insurers down, contact them to find out about the discounts they offer. Most offer standard discounts for:

  • payment in full
  • insuring your home and car with the same company
  • putting a low number of miles per year on your vehicle

There are also unusual discounts such as ones for being a member of certain groups, subscribing to a certain magazine and more. It always pays to ask; worse comes to worse you walk out without a discount.

When you want to get started on the quest for cheaper car insurance, the best place to begin is with our free online quote tool.

It allows you to get multiple car insurance quotes so you can quickly and easily start comparing the different options and prices available to you, all without the hassle of online purchases.

Enter your zip code below to access quotes from multiple car insurance companies today!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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