Is auto insurance a utility bill?

Can car insurance be considered a utility bill? Your car insurance bill isn’t a utility bill, meaning you cannot use it to show proof of residency.

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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
Feature Writer Rachel Bodine

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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 11, 2022

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Can car insurance be considered a utility bill? Find out here.

Things to remember...

  • A utility bill is a monthly or bi-monthly statement of the amount owed by a household for essential services that keep a home operational
  • Local governments most often provide utilities to homes and businesses
  • Monthly auto insurance payments do not qualify as utility bills

If you’ve had to show proof of your address, you might have used a utility bill. Companies and organizations that use utility bills to verify a person’s identity and address do so because this is a simple and reliable method that should not be a hassle for homeowners or renters.

But what exactly qualifies as a utility bill? Will companies accept any statement mailed to your home address as proof of your residency? Utility bills are relatively straightforward, but utility bills for most households and businesses have limits and do not include car insurance payments.

Can you consider car insurance a utility bill?

While car insurance is a necessary fee for anyone who drives a car, car insurance is not a utility bill. 

A utility bill is a monthly or bi-monthly statement of payment associated with an essential service for a household or business. Utility bills list the customer’s name, address, and account number.

In the same way people pay for most utilities once a month, most people pay their car insurance bills monthly. In some instances, utility companies and insurance companies will cease services if a customer goes one or more months without paying the bill.

While a local government typically provides utilities, private companies are in charge of issuing car insurance policies. The sole purpose of the private insurance company is to generate a profit, while utility companies seek to provide a necessity to customers.

In some instances, private companies may provide utility services, but the companies have to work together with local governments and authorities to offer specific service options.  

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Can an auto insurance bill provide proof of address?

Most companies will not accept your car insurance bill as proof of address. Your full coverage insurance bill is not a valid address verification form because you can easily change your mailing address with your car insurance company. Sometimes, changing your address is as easy as using the company’s mobile app or website.

Utility bills are a good way for companies to verify your address because the company renders the service only to the address listed on the document. There is no way for you to change your address with a utility company without moving.

If you need proof of residency, you may be able to pull up a water or power bill on your mobile device. You can also call the utility company and ask an employee to email you a copy of your invoice as proof of residency.

Can I lie about where I live?

Regardless of why you want to falsify your address, it is never a good idea. For example, you may need to show proof of residency to vote, register a child for public school, or obtain a driver’s license. You should only provide your actual address and never attempt to use a fake address in all of these situations.

In some instances, like with a car insurance policy, you could be guilty of fraud if a company discovers you lied about your address. If you are found guilty of fraud, you may face some severe penalties.

Do I need a utility bill to purchase auto insurance?

When you purchase car insurance with most companies, you do not have to provide a utility bill or other proof of residency. Car insurance companies ask many questions about you, your driving habits, where you live, and the type of car you drive, but you seldom have to prove that your answers to these questions are legitimate.

Your car insurance provider will ask for your driver’s license number and full name. If your insurance company wanted to, it could use this information to search for your current address and any previous addresses. 

Additionally, if you ever have to file a claim with your insurance provider, you may have to prove that you have the address that you initially provided on your account. You may have to provide a utility bill with your address and your full name in some cases. 

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What counts as a utility bill?

Most people wondering what constitutes a utility bill are trying to find proof of residency. Many organizations will ask individuals to prove their address by bringing a utility bill with their name and address printed clearly on the document.

Only a few bills fit the true definition of a utility bill, which is to keep a home safe and functional. Some of the most common examples of utility bills include:

  • Electric bills
  • Water bills
  • Sewage, trash, and recycling bills
  • Television, internet, and phone bills

If you need to provide proof of residency for some reason, these utility bills will often enable you to do so. 

Car Insurance and Utility Bills: The Bottom Line

While most car insurance and utility bills are due once a month, car insurance is not a type of utility bill. Car insurance is not a necessity for living in a household or running a business, and independent companies provide car insurance policies to make a profit. 

If you have to provide proof of residency, such as getting your driver’s license or enrolling your child into a public school, you may have to show someone a utility bill. Electric, water, and gas bills are all considered utility bills.

Though it might be tempting to falsify your address when asked to provide proof of residency, you should never do so. Falsifying your address may be considered fraud and could get you into trouble, depending on the circumstances. 

If you are looking to buy auto insurance, you will need to give the car insurance company your address, but you may only be required to show proof of residency if you have to file a claim with your car insurance provider later. 

If you’re trying to find insurance, you shouldn’t have to provide a utility bill. Just use our online rate quote tool and get instant quotes.

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