Do your auto insurance and registration address have to match?

Whether your auto insurance and registration address have to match depends on your state. However, your physical auto insurance address determines your rates, and your address can change your rates by around $100/mo. It's generally a good idea to have your addresses match on your car insurance policy, vehicle registration, driver's license, and the place the car is located the majority of the time. Otherwise, using a different address for car insurance may be insurance fraud. Remember before you buy auto insurance, always compare quotes to get the best rates.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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 insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

Advertiser Disclosure

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.

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.

Things to remember...

  • You don’t have to be the person who holds the title of a car to be the registered owner
  • If you’re leasing a vehicle, the lender or private owner will be on the title and you will be on the registration
  • The person who is named on the registration is the person responsible for paying for renewals, taxes, and fines
  • Most motor vehicle agencies will ask for a physical mailing address for your registration to ensure you’re a resident
  • While you can use a PO box for mailing purposes on your insurance, you do have to provide a physical address as well

Do your auto insurance and registration address have to match? If your car insurance address is different from your home address, it can cause you headaches.

Your license, registration, and proof of insurance is a standard request made by police officers when you get pulled over. Having all the documentation you need to prove you’re the owner of the vehicle and that you’re driving legally isn’t always enough.

Does your car insurance and registration have to be under the same name?

You need to have your registration, but you also need that registration to match the name on your insurance card if you don’t want any further questioning.

If the name and even the address is off, it could be a major red flag that could land you in court or worse.

Compare the best rates for the types of auto insurance coverage you need with our free quote tool above. Use the address the car is at to get the most accurate rate quotes.

It’s all about you. We want to help you make the right coverage choices. Enter your ZIP code to get auto insurance quotes now using your home address.

Does your auto insurance address have to match your registration?

If you put your physical address on your registration, you should be prepared to put that same address on your car insurance as well.

The last thing any consumer wants to do is pay for a product just to be treated as if they don’t have it when it comes time to verify coverage.

This is just what could happen if the right information doesn’t match. You have to provide your auto insurance company with your legal residence and this should always match your license plate and proof of registration. Some exceptions may be made for active-duty military personnel or a seasonal resident, like a college student.

Your name should always match on both the named insured line and the registered owner line. If you register a car in your name and then insure it in your boyfriend’s name, the DMV won’t be able to find coverage that can be verified in your name. Even worse, you could struggle to file an insurance claim since the vehicle owner is not the primary driver on file with the insurance provider.

When you don’t have coverage in your name and at your address, then it could cause issues in many states with electronic verification systems used by law enforcement for vehicle identification.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

What are your auto insurance and car registration requirements?

Does your current insurance address have to match your registration or can you choose a different zip code to get cheap auto insurance?

You can’t choose an address just to reduce your insurance cost and will need to keep your car insurance and registration address the same; this should be your primary residence.

If you try to get car insurance at a different address to get a cheaper rate, you can be charged with automobile insurance fraud, according to the Insurance Information Institute.

Not only can you get in legal trouble for lying to your car insurance company but your claims can also be denied, leaving you to cover your claims yourself.

How does your address affect your auto insurance rate?

What does your address have to do with your current insurance rates? Does using a different address for car insurance really matter?

Where your car is parked might just be a matter of convenience for you, but it’s a big deal to the insurer. The company has to determine if you’re going to be more likely to file a claim for the coverage that you have than the average person. Your primary residence is one of the factors that your insurance agent will take into account.

One of the dozens of different factors that affect auto insurance rates is your address. Here’s why your address is so important:

  • Some ZIP codes have a higher rate of accidents than others
  • Expensive cars are more likely to be in certain ZIP codes
  • The rate of vandalism and property crime is higher in some areas

To get an idea of just how much your address can affect your rates, check out this table that shows your average annual car insurance rates in Miami by ZIP.

Miami Average Annual Auto Insurance Rates by ZIP
ZIPAverage Annual Auto Insurance Rates in ZIP
Get Your Rates Quote Now

Compare RatesStart Now →

Based on the ZIP alone, Miami car insurance rates can change by about $100 a month. That’s a huge difference just based on your address.

Can you put two different addresses on your auto insurance policy?

Can your car insurance address be different from your home address? Do they have to be the same?

There might be states where the only type of address that you can give for mailing or for location purposes is a physical one. In other states, your mailing car insurance address can be different from your driving license.

Regardless of what the registration requirement is in the state, you’re allowed to use two separate addresses on all car insurance policies because each address will be used differently.

The first address that you’ll see on all of your insurance documents is your mailing address. This is where the documents are sent and where envelopes are addressed.

You can put an address in any state in this line as long as this is where you’ll get your mail. The mailing address won’t impact your rates.

The second address on your car insurance policy that you won’t see on every document is your physical address.

Sometimes, this is the address where you reside day in and day out. Other times, this is a physical address to a garage where the vehicle is parked each night. Be prepared to provide proof of residency, just in case.

The address that you put here is where your vehicle sits when it’s not being driven. This is the one that needs to be in the state where it’s insured and will impact your rates.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Can I register a car in a different state than my license if I move?

Do your driver’s license and certificate of registration address have to match?

In most states, your car must be registered at the same address as your driver’s license. However, there are some states where this isn’t a requirement.

These eight states are:

  • Delaware
  • Indiana
  • Kentucky
  • Maine
  • Massachusetts
  • New York
  • North Dakota
  • Pennsylvania

Does my license have to match my current vehicle registration in other states?

If you live anywhere else, you’ll be required to match registration and driver’s license addresses.

Do you need to tell your current insurance company if you move?

Yes, you need to let your car insurance company know if you move. We’ve already talked about how your ZIP code affects your auto insurance rates.

Let’s say your car is parked in the driveway at your new house and a branch falls, causing a lot of damage. If you move and don’t let your insurance company know, you can have your claims denied.

Most companies will give you a short period of time to get your new address on file and see if your rates change. After this grace period, your claims can be denied.

Why is everyone required to register their car?

If you want to be a resident of a state, you have to provide documentation that shows that you live there and who you are. You also have to pay a vehicle registration fee that varies by state, according to the National Conference of State Legislatures (NCSL).

That’s part of the process of obtaining a state-issued government ID so that you can prove your identity, apply for jobs, apply for loans, and live a normal life.

Just like a person needs an ID to identify themselves, a vehicle needs an ID to identify who owns it. The vehicle isn’t a legal entity that can be sued, so someone has to take on the liability when the object causes damage to someone or something.

In almost all states, it’s the registered owner’s legal duty to pay for damages when someone in their car is negligent.

By requiring cars to be registered in the name of a person or business, a legal entity is taking ownership of the car and accountability whenever there’s a loss or a violation where a fine must be paid.

That’s why all private passenger vehicles, no matter if they are new or old, have to be registered before they can be tagged to be on public roadways.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Why do you need to provide an address for your vehicle registration?

You have to give your name, your date of birth, your social security number, and proof that you have a legal interest in the vehicle before you can register it.

The proof will be either a bill of sale, a vehicle title signed over to you, or financing documentation showing you’re the borrower. Without the proper documentation, the DMV won’t issue a registration in your name. Your auto insurance company needs that registration so they can see you’re the sole owner of the vehicle.

Not only do you have to show that you’re who you say you are and that you have the right to claim residency in the state, but you also have to give an address.

In most states, you have the option to give two separate addresses on the application. That’s only if you live away from where you want to receive mail.

You can usually put a PO box or another mailing address where you want to receive notifications and another address that represents where you reside.

On all of your documents, including your registration, your mailing address is the one that will be printed on your paperwork. If you move, you have to notify the DMV and update your car registration address within 10 days or you’re not complying with the rules.

Can auto insurance be electronically verified?

Car insurance is something that has to be verified. In the past, when there wasn’t any type of electronic system in place, the DMV used a process where they would randomly request insurance information from vehicle owners.

That didn’t do much good either because the owner could provide a falsified document. That’s why uninsured driver rates were so high.

Now the rates are on the decline because of new verification procedures. Instead of sending out a postcard asking for you to verify you had coverage on a certain date, the state has this real-time system where they can see if you have active insurance. Law enforcement also uses this system.

To guarantee the system is updated, laws have been passed requiring insurers to notify the DMV electronically as soon as a policy cancels. The notification also has to show the date the coverage ended.

Which drivers need to be listed on the auto insurance policy?

Anyone who drives a car often needs to be listed on the policy. Although your insurance would cover letting a friend borrow your car once in a while, your child driving your car every day would need to be added to your insurance. As always, you should be listed as the primary driver if that is the case.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

What are the penalties for no auto insurance?

Most states have minimum car insurance requirements. If you don’t meet those minimum requirements, penalties can be stiff, including fines, driver’s license suspension, and possible jail time.

You will have to pay the penalties for having no insurance if the system can’t verify your coverage because of your name and address.

You could be paying your rates but the state doesn’t see that if it kicks your policy information out.

When you’re penalized, you’ll get your license plates suspended and you’ll have to pay a fine at the minimum.

You should always be careful when you’re filling out your applications. Put the same name and the same physical address just so that you get everything in the mail where it’s supposed to be.

If you’re not happy with your rates, you can always get some quotes online strictly for comparison purposes.

Don’t miss out on our free insurance quote tool below. For affordable auto insurance, enter your ZIP code and start comparing rates now for your home address.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption