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...

  • A utility bill is generally considered to be a gas, water, or electric bill
  • If you are looking to prove your address to an agency or business, you’ll have to ask whether they accept car insurance bills instead of a utility bill
  • If you need a new car insurance policy, you can shop around using a comparison tool

A utility bill is a document that is mailed to a legal address in order to request payment for certain public services, including:

  • Gas
  • Water
  • Sewer
  • Trash
  • Electricity

In general, a car insurance bill is not considered a utility bill even though every driver needs to have a minimum amount of insurance before they can drive legally.

If you need a car insurance policy, a comparison tool can help you find one that is affordable.

Try our FREE online quote tool and start comparison shopping today! Enter your ZIP code above to find better auto insurance rates!

Proving Your Address


The most common reason individuals contemplate using their car insurance as a utility bill occurs when they need to prove their legal residence.

Most places, like the DMV, government agencies, and even insurance companies require that an individual prove where they live by presenting two utility bills along with one or more forms of valid ID.

Here are some things you need to consider when confirming your legal address:

  • Documents Needed to Prove Residence – Find your most recent gas, electric, and/or water bill. Some places may also accept a bank statement, tax forms, mortgage payment, or rental agreement.
  • Common Problems Finding Documents – If you haven’t received a bill yet or if your utility bills are in other family members’ names, you may be able to substitute a car payment bill instead. Whether or not the car insurance bill document is allowed is up to the individual organization.
  • If You Need an Auto Insurance Policy – If you don’t have a valid car insurance policy or you need a policy that is separate from your other family members, you can use an auto insurance comparison tool to quickly find and purchase a new policy so that you can drive legally.

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Similarities between Utility Bills and Car Insurance Bills

The reason many individuals consider car insurance bills to be utility bills is that they are very similar.

Both utility bills and car insurance bills arrive once a month in the mail or via email, and they list the date when the payment is due.

  • Utility Bills – These expenses are needed for successfully running a residential home or a commercial property that is located at a legal address and are essential for operating the building, including water, electricity, and gas service. Legal addresses often come with parcel numbers, lock numbers, and district names.
  • Car Insurance Bills – Car insurance bills are also sent via the mail or email and contain the address of a legal residence. The difference is that car insurance is required for the legal operation of a motor vehicle. Anyone who owns a car or drives a car needs to have some form of car insurance.

What to Do if You Need Car Insurance

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Even if you can’t use your car insurance policy bill as a proof of your address, you still need auto insurance if you plan to legally operate a vehicle.

If you own your vehicle, you will need a minimum of liability and personal injury protection (PIP). If you borrow cars or rent cars, you will need a non-owner car insurance policy.

Thankfully, you can find affordable car owner and non-owner car insurance policies via a comparison tool.

All you have to do is input your personal information, the types of insurance policies you wish to buy, and any specific preferences. Once you input all your information, clicking the submit button starts the search process.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

Compare at least three to four policies today by entering your ZIP code below in our FREE online quote tool!