Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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 Chris Harrigan

UPDATED: Apr 13, 2022

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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. Some people just prefer to get their mail in a more secure location. Both of these are understandable, and either one could red flag you in the eyes of an insurance company.

If you’re trying to get the rates from a cheaper zip code when you don’t live there, the insurance company could deny your application. Worse, they could cancel your coverage based on the fraud in your policy application. Having your policy cancelled or not renewed due to something like misinformation on your residential address could have far reaching effects including on your future insurance rates.

However, the auto insurance company may agree to mail you documents at the P.O. Box address just for your convenience. Some companies block all post office box addresses. The system will automatically notify you to enter another address if this is the case.

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

How Much Does Your Zip Code Matter in Getting Better Insurance Rates?

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