Someone is Using My Address for Auto Insurance

If someone who doesn't live with you uses your address for car insurance, it can affect your rates. Here's what you can do to fix it.

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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 3, 2022

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Things to remember

  • Using someone else’s address for auto insurance is insurance fraud and can result in a $50,000 fine or up to five years in jail depending on the state
  • Potential insurance fraud by someone using your address for auto insurance could affect your insurance profile
  • If you receive auto insurance mail at your address with someone else’s name on it, you can call the insurer to get help

Did you know that other people try to use a home address that isn’t actually theirs in order to secure better auto insurance rates? It 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. 

Plus, it can affect your insurance profile even though you haven’t authorized anyone to use your address. 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.

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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 your 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. 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. 

C.L.U.E. reports are run by insurance companies 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 is reviewing you. The best thing to do is get it sorted out right away because there are several factors that affect car insurance rates.

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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. Insurance rates can vary based on location. This is why you usually can’t have your car registered in one state and insured in another. But even within the same state, your address makes a difference. 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. To avoid overpaying for auto insurance, some people try to get better rates by giving an address from a different area since car insurance rates by ZIP code can vary.

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. 

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.

What should you do if someone uses your address for insurance? The Bottom Line

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 fraud. Either way, it can affect you if the person named has claims on their insurance profile. 

Working with the insurer to get to the bottom of why someone is using your address for auto insurance could save you and your family members on car insurance premiums. When in doubt, pick up the phone and call. 

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