If you’ve ever purchased car insurance, you’ve probably seen the term garaging address. But if you’re like most people, you may be a little fuzzy about what it actually means and how it differs from a regular ol’ address.

If that’s the case, we can help. Here we shed some light on what exactly a garaging address is. Knowing how to properly identify your garaging address will help ensure you’ve got the appropriate coverage for your vehicle.

What is a garaging address?

Simple. Your garaging address is where your car is parked the majority of the time. This is probably where you live (making it your actual address too) but some situations aren’t so cut and dry.

Say, for example, you live in Illinois and are what’s known as a “snowbird.” If you spend your spring and summer splashing in Lake Michigan, but hop in your car and head south to escape the winter, which residence should you list as your garaging address?

The answer: wherever you spend more time. If you’re in Illinois for 10 months out of the year and Florida for 2 months, your Illinois address should be used as your garaging location.

Why your garaging address matters

While every insurance company has a different formula for calculating rates, several things factor into the equation — and your garaging address may be one of them.

For instance, if you’re an urbanite living in a large city, where vandalism and crime rates tend to be a bit higher, the cost of insurance is likely to be a bit higher as well. On the flip side, if you live in an area with very little crime, your insurance rates could potentially be lower.

Always provide an accurate, up-to-date garaging address

Because your garaging address may affect how your insurance rate is calculated, it’s important to provide your insurer with accurate information.

So if you move, or if the address your car spends the most time at changes, be sure to contact your insurance provider to updated your information.

Get smart about your insurance

At Esurance, we’re all about helping you make informed decisions when it comes to your insurance. That’s why we created an easy-to use, jargon-free insurance glossary to help you navigate the industry lingo.

You can also get the 411 on other terms like VIN, indemnity, and comprehensive coverage.

And, of course, if you have specific home insurance questions, feel free to call us at 1-800-ESURANCE (1-800-378-7262) or message us on Facebook or Twitter.




Insurance 101


about Jennifer

A Motor City native, Jennie spent a few years knee-deep in automotive before heading to San Francisco to join the Esurance team as a copywriter. In addition to words, she’s a big fan of running, Detroit Tiger baseball, and the Trader Joe’s cheese aisle.