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[Maria151]

 I recently moved and got into a small debate with a friend about whether your driver's license address needs to match your car insurance address. After digging into it and talking with my insurance provider, here's what I found—and I thought it might help anyone else in a similar situation!

First, no, your car insurance address doesn't technically have to match your driver's license, but here's the catch: the garaging address (where your car is actually kept most of the time) does need to be accurate. This is the address your insurer uses to assess local risks—like accident rates, crime, and weather—and it can seriously impact your premium.

For most of us, our residence, mailing, and license address are all the same, but if you're living in a different place temporarily (college, job relocation, etc.), the insurance company needs to know where the car sleeps at night—not just what's on your ID.

I also came across a helpful guide specifically for folks in Pennsylvania. It goes into more detail about what your insurer needs to know, especially if you're living in a city like Pittsburgh. Worth checking out if you're local: auto insurance in Pittsburgh

🔑 TL;DR: Your license and insurance address don't have to match, but your insurer does need an accurate garaging address to avoid pricing or claims issues.

Anyone else here ever run into a problem with mismatched addresses and insurance? Curious how strict other states are with this.

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