Can I insure two cars on my policy at two different addresses?

UPDATED: Feb 26, 2018

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UPDATED: Feb 26, 2018Fact Checked

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Asked February 26, 2018

1 Answer


Yes, you can have vehicles at different addresses on your New York car insurance policy. There are two addresses on a car insurance policy; the mailing address and the garaging address of each of the vehicles. The garaging address can be difficult for just one vehicle or all the vehicles in the household. You just need to contact the company, or your insurance agent, to let them know the address at which each vehicle is parked at night.

One thing to bear in mind is that some auto insurance companies don't apply the multi-car discount to vehicles at different addresses. So if two vehicles don't share the same garaging address the cost of the policy could go up by around 15%.

Another thing to keep in mind is that the rates are affected by where each car is garaged. Some areas of New York cost more to insure a vehicle than other parts of the state. By and large, urban areas feature more expensive auto insurance than do rural areas. This is because there are more accidents in urban areas which the insurance policy rates need to account for so that the risk of insuring someone is properly applied.

Answered February 26, 2018 by key2616

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