Can I use a PO box when applying for car insurance?

Instead of giving my home address, I was wondering if I can get a PO box in a nearby county where insurance rates are usually cheaper.

Answer
When you apply for car insurance, a PO box isn’t going to cut it. You have to provide a physical address where you live because insurance companies use your zip code to determine your premium.
Stats concerning factors like litigation, accidents, vandalism, and theft in your zip code can affect your rate. Your physical address may also be required to determine the length of your daily commute to work.
You can use a PO box as your mailing address for billing purposes, but that’s it.
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Carol Chung
Answered on Apr 12, 2021
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