Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Can I get car insurance without a home address?

I am between homes right now and living in a hotel. My insurance canceled and I need to get a new policy. Do I have to wait until I move in to my new apartment before I can buy one?

May 29, 2016 Portland, OR

Answer
Author profile picture

The Zebra

The nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison …

Unfortunately it seems like you are in a tough spot until you have moved into your new place. Lots of information is used by insurance companies to determine the rate that they will charge to insure a driver and a major factor in rating that price is your home address. If you are only living in a location temporarily, and the insurance company is aware of that, they won't issue a policy because of what they call a "transient risk". Since there is no lease or rental agreement where you are currently staying, there is nothing keeping you in that location for any extended period of time and this creates too much risk for the insurance company to issue a policy. If you plan on moving into your new place within 30 days, most companies will allow you to use that address to start a policy before you actually move in. If that doesn't work then you will just have to wait until you have signed your lease agreement.  
Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Will my rates increase if I hit a fence?

If you have liability coverage on your vehicle, which your state requires, the damage will be covered. However, if you file a claim you will most likely suffer a rate increase for what your car insurance company would consider an at-fault accident. In California in 2017, the average rate increase a…
Apr 21, 2018 Modesto, CA

Do I need insurance on my old car if I'm planning to sell it?

There are a couple of things to consider in your situation. Any grace period would depend on the exact details of your current policy. While most policies do include a grace period, it really depends on your current company. If there is a grace period, it would apply to the new car as long as you k…
May 20, 2023 Minneapolis, MN

Can my father insure my car if I'm financing it?

In most cases, you can insure your car on your father's policy but you will have to be listed as a driver on the policy.  If you will not be driving the car you will need to listed as an additional interest on the policy for your vehicle. The person driving the car will need to be listed as a …
Oct 4, 2018 Cornelius, OR

How do I sell my car to an out-of-state buyer?

You will need to transfer the title of the vehicle to the new buyer. It is important that you fill in all of the appropriate areas required in the title certificate when selling the vehicle to another party. Once the buyer has the title in their name then they will need to title and register the ve…
Jul 29, 2017 New York City, NY