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...

How do I prove I am staying in the same address I reported to my car insurance company?

It depends on the insurance company, but most will accept proof in the form of a utility bill or something similar to prove where you live. I recommend calling your insurance company to find out what documentation they will require to prove your residency and reinstate your policy. Good luck and if…
Jul 4, 2019 Los Banos, CA

Does car insurance cover vet bills for injured dogs?

Sorry to hear about your accident. There are some insurance companies that offer pet coverage for this exact situation, but if not, the injuries to your pets should be covered by the property damage liability of the at-fault party's insurance. I would collect all info and receipts and turn thi…
May 5, 2019 Star Valley Ranch, WY

What is an ADOT Code?

ADOT stands for Arizona Department of Transportation, and the ADOT code identifies your insurance company to the state proving that you have the minimum amount of liability coverage. If you're curious you can read more about auto insurance requirements in Arizona. Your ADOT code should be list…
Mar 16, 2018 Phoenix, AZ

Is it cheaper to insure two older vehicles, versus one new car?

Thank you for reaching out to The Zebra! The best answer to your question is: it depends. The price can vary quite drastically if you were to rate one newer vehicle versus two older vehicles. The cost of car insurance isn't as cut-and-dry as simply comparing a new car with an old car, but many…
Jul 19, 2023 Central Point, OR