Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 27, 2020

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Key takeaways...

  • Your car insurance company may accept a P.O. Box as a mailing address for information about your auto insurance policy, such as for mailing out your statements
  • If you use a P.O. Box to make the auto insurance company think that you live in a different zip code than your permanent address, this could be fraud on your application
  • Even if you cannot get into any legal trouble for lying on your car insurance application, the auto insurance provider can use it as a reason to deny your coverage
  • Some auto insurance companies may not accept a P.O. Box as your home address on your policy because they want to know exactly where you reside and where your car is kept
  • Your zip code is one of the factors that determines the rate that you pay for auto insurance based on the safety of your area

Some people may try to use a P.O. Box for their car insurance policy because they live in an area where the rates for car insurance are a bit more expensive.

If this is the reason that you are using a P.O. Box as your permanent address for car insurance, then the insurance company could deny your claim or cancel your coverage based on the fraud in your policy application.

However, the auto insurance company may agree to mail you documents at the P.O. Box address just for your convenience.

If you are on the lookout for the best auto insurance rates, start comparison shopping by entering your ZIP code above!

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Your Zip Code for Your Car Insurance Policy

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