Can I use my mom's address to score cheaper car insurance as a college student?

My mom's zip code seems to offer better prices for car insurance. I currently live alone off-campus. Can I use my mom's address to pay a lower rate?

Answer provided by
Carol Chung
Answered on Apr 19, 2021
“Unfortunately, no, you can’t use your mom’s address. When applying for car insurance, you need to provide the zip code where your vehicle is most often kept. In your case, this would be your current off-campus address.
Why? The location where the car is garaged is a major factor in determining your premiums. Using a zip code other than your own is technically a form of insurance fraud.”

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