Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • A PO Box is a lockable post office box that’s located that’s located at a station run by the post office
  • Renting a PO Box is a good solution for people who want to receive their mail quickly in a secure place
  • When you’re buying auto insurance, you can have your quotes and your policy documents sent to your PO Box
  • You may only list your PO Box as a mailing address and not as your physical address where the vehicle is stored
  • Insurance companies ask for physical garaging addresses because they have an effect on premiums and ratings

Renting a PO Box is a convenient and safe alternative to having your personal mail sent to your home. While it might sound like an unnecessary bill, having a lockable mailbox that’s located inside of a local post office station is cheaper than you might expect.

You might also be able to find car insurance cheaper than you expect. Enter your zip code above and begin comparing quotes.

If you live in an area where mailboxes are open and easily accessible, having your privacy compromised just once through the mail is enough to rent a box for security reasons.

There are a lot of different pieces of mail that’s best delivered to a PO Box:

  • your bank statements
  • your account summaries
  • credit cards
  • insurance documents

Here’s how insurance companies handle PO boxes:

You Can Give a PO Box When Requesting Quotes

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When you start to shop for affordable car insurance, every agent that you speak with is going to ask you for your address and other contact information.

While certain addresses are necessary to rate a policy, the purpose of asking for your address is so that the agent can enter you into their system as a prospective lead.

You can provide your PO Box as your primary mailing address if that’s where you’d like your quotes to be sent. If you decide not to buy insurance with the company, this is where the agent will send marketing material in the future.

After all, if you don’t buy initially, most carriers will contact you at least three more times throughout the year to follow up.

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Know the Difference Between a Mailing Address and a Garaging Address

Your auto policy has two different sections where you can list your address. The address fields are referred to as mailing address and garaging address.

With most clients, the information found on both address fields will be the same. Some customers will have two separate addresses listed. This is especially true if you have a PO Box.

The mailing address is where you want to receive any type of written communication from the company. All of your quotes, your declarations page, your billing invoices, disclosures, and cancellation notices will all be sent to your address on file.

The garaging address is where the vehicles on the policy are primarily stored. This could be your home or it could be another address like your office.

Why is it mandatory to provide a garaging address on your auto insurance policy?

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You can’t just give your PO Box when you’re getting insurance. A car can’t be parked at a PO Box and the insurer wants to know where your car is usually parked when it’s not being driven so you’ll also have to provide a physical garaging address to secure coverage.

Your garaging address will have an impact on your premiums. The insurer doesn’t necessarily want to know where your car is parked so that they can locate it.

Instead, the address is needed to determine how high the risk of filing a claim is based on geographic location. Believe it or not, a zip code can say a lot about claims trends.

Why is a zip code used to set some coverage premiums?

There are a few reasons why zip codes can be useful when setting rates. One of the biggest factors that are reviewed is the property crime rate in the area.

If you live in an area where the motor vehicle theft rate is high, your premiums for comprehensive are going to be high. The insurers will also look at accident rates to determine if your collision rates should be high as well.

Changing your mailing address isn’t going to impact your premiums at all. It’s when you change your physical garaging address and the zip code changes that you’ll have to worry. If it’s a local move and the zip is remaining the same, your payments will stay the same.

If you have a new zip code, whether or not there will be a premium difference depends on what the crime rates and claims trends say.

Be sure to change to a new carrier licensed to sell insurance in your new state if you cross state lines. You’ll have to comply with the state’s insurance laws.

You can use a PO Box as your mailing address with all insurers as long as you give your garaging zip code as well. If you do use a PO Box, check it for invoices right when the policy is issued.

Get online insurance rate quotes and decide which carrier deserves your business. Enter your zip code here to begin.