A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years Leslie Kasperowicz

UPDATED: Apr 29, 2022

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Important facts to know...

  • Insurance companies will need a home address during your policy application
  • Some companies will let you use a P.O. Box address for auto insurance
  • Depending on the state where you reside, some agencies will accept a letter from the homeless service provider to issue a driver’s license and insurance cover
  • Taking care of factors that are within your control may enhance your chances of getting affordable car insurance rates

If you are homeless, car insurance can be tricky to get. Car insurance without an address is very hard to find. Most states will want proof that you’re eligible for an auto insurance policy by producing the relevant registration certificates or a driver’s license.

In other words, the address you list on your car insurance policy application should match the details on your driver’s license or automobile registration certificate. If your car insurance address is different from your home address on your license, things can get tricky.

The state authority must be notified in case of a change of address. Since the insurance carrier acts as your agent in matters relating to the policy, they need to know how to contact you or your next of kin in case of an accident.

Homeless individuals find it difficult to show proof of their address since most of them do not have one. Here you’ll find helpful tips on how to acquire an affordable car insurance coverage without a permanent address. Affordable car insurance for the homeless isn’t out of reach.

 Enter your ZIP now to compare car insurance quotes today to find out who offers the cheapest homeless car insurance quotes.

Understanding Your Policy

Understanding your insurance coverage options will enable you to get affordable car insurance without a permanent address. You need to know the parts of your policy to know you are the correct amount of coverage.

For example, the deductible amount is what the insurance company expects you to pay in case you’re involved in an at-fault accident, and you make a claim.

Full coverage car insurance will cover for both cars regardless of who is at fault while liability coverage only covers for third party damages. For comparison, the table below shows you the average annual rate for car insurance based on the type of coverage.

Average Annual Rates Based on Coverage Type
CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage Annual Rate for High Coverage
American Family$3,368.49$3,544.37$3,416.40
Liberty Mutual$5,805.75$6,058.57$6,356.04
State Farm$3,055.40$3,269.80$3,454.80
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The average monthly difference between low and high coverage is around $30. You want to spend less on your insurance, but you still don’t want to take inadequate coverage that will leave you bankrupt in case you’re involved in at-fault accidents.

Once you’ve settled on the best policy, even if you have no permanent address, car insurance may still allow you to sign up for the policy. If you don’t have a permanent address, can you get car insurance with a PO box?

Some insurer will allow you to sign up using a P.O. Box address. If you know a friend or family who can cosign for you, you may opt to use their address on a temporary basis.

Enter your ZIP code below to compare car insurance company rates.

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Obtaining a Driver’s License

According to AAA, for you to drive on U.S. roads, the state car insurance laws require that you must hold some minimum level of insurance coverage. Most states will additionally want proof that you’re eligible for an insurance policy by producing the relevant registration certificates or driver’s license.

Filling up an application for car insurance requires a particular home address. To get a driver’s license from any state, you must show proof that you’re the person you report to be. And this is getting more and more difficult.

The federal REAL ID Act requires all U.S. states to cross-check with every available identification source before issuing a driver’s license. This act is in response to 911 and to protect identity. A REAL ID will be necessary to board an airplane or access government facilities.

Watch this video to learn more about the REAL ID and why identity and addresses are important.

Every state may have different identification protocols in ways that can accommodate even the homeless and truck drivers traveling on long distances. Some states have even made provisions to accept ID verification letters written by the homeless service providers.

The Department of Motor Vehicles in your state will provide you with the necessary materials on the existing identification rules.

You can also get in touch with the homeless service provider in your state and ask about which agencies will offer car insurance coverage options with the exception of submitting a home address.

If your state laws don’t allow acquisition of driver’s license and insurance coverage without the home address, you still have the option of contacting your state legislature and make a petition to have the rules amended.

The state legislators can access a lot of materials from the National Conference of State Legislatures that would assist them to make the necessary amendments.

Transferring Your Address

For homeless individuals who eventually find a home, it is important to transfer your address as soon as you settle down. Many insurance firms will provide online platforms to change address or you can simply make a phone call, and they’ll change it instantly.

However, you should be aware that the change of address may attract changes in premiums depending on the criminal records of the locality and the commuting distances to your workplace.

For your car registration, many states allow you to use a P.O. Box code as your address. The DMV will forward any document or forms to your specified address.

Since each state is different, you need to contact your DMV to learn how to register a car without a permanent address or how to register a car if you are homeless.

Just be sure to check your post box every now and again to ensure the safekeeping of all your registration papers. It is also important to note the expiration date of your registration to avoid losing your number plate and insurance cover.

Whenever you get a permanent address, you can always visit your DMV office and change the address.

Some states like California, however, have strict rules that may be challenging for the homeless. If you are looking for car insurance, a temporary address won’t help you in California.

Many insurance companies won’t give you a policy unless you can prove residency in the state for at least six to ten months. However, you can make several comparisons online and see which insurance company can offer affordable insurance rates in California, though you can expect to pay a little bit higher rates.

Factors You Can Control

Even though many states will tighten rules and hike homeless car insurance rates, there are several other factors within your control that can help you get some of the best prices in the market.

The first step is to avoid purchasing a policy from the first insurance firm you land on. Get several online quotes and do a side by side comparison to get the best rates.

Until car insurance providers settle on a policy to fairly assess risk levels for the diverse client base, you can begin to lower your premium rates by managing the factors within your control, even if you’re homeless and you’re categorized in the high-risk group.

Here are some of the factors you can control:

  • Speed- Multiple tickets will affect your car insurance rates. If you keep accumulating more speeding tickets, you may eventually lose your auto coverage.
  • Drinking and Driving- Once convicted of driving a motor vehicle under the influence of drugs or alcohol, your insurance rates will drastically rise and you may have to contend with higher rates for years to come.
  • Take Advantage of Insurance Discounts- Many insurance companies will give discounts based on your clean driving record, occupation, multiple insurance covers with the same company, etc.

Paying attention to each of these factors can lower your car insurance rates significantly.

If you’re not satisfied with your car insurance rates, it pays to shop around and find better rates. Use our free rate tool to compare quotes today to see what is the cheapest online car insurance. Enter your ZIP to start comparing and find out which homeless car insurance company is right for you.

Enter your ZIP code below to compare car insurance company rates.

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Frequently Asked Questions: Car Insurance for the Homeless

We hope you know everything you’d like about homeless car insurance, but keep reading to learn the answers to some commonly asked questions about car insurance.

#1 – Who has the cheapest car insurance in Maryland?

That really depends on many different factors like your age, driving record, credit history, and where you live, just to name a few. Each company will offer different rates for coverage, so it’s really best to compare quotes for the best deal.

#2 – What is the cheapest car insurance for seniors?

Again, this will vary by person. Your age does play a factor in your car insurance rates, but some companies will also offer special discounts to seniors which bring their rates down. Be sure to ask carriers if they offer senior driver discounts to help offset your car insurance rate.

#3 – Can I buy a car without a permanent address?

Most states will allow you to purchase and register a car if you have a valid driver’s license. The address listed on your license will be used on the paperwork.