How Your Garaging Address Affects Your Insurance Rate

How Your Garaging Address Affects Your Insurance Rate

What is a garaging address, and how does it impact your car insurance rate?


Many insurance companies define your garaging address as the primary location of where your car is kept. For many people, this address is the same as where you live, but that’s not always the case! Sometimes people split their time between two states. For example, New England and Florida. In this case, your garaging address is where most of your time is spent. If you spend the winter in Florida and the rest in Massachusetts, your Massachusetts address will be your garaging address.

You’re probably wondering how this address affects your insurance. Well, your insurance rate is calculated by combining several pieces of important information. Your garaging address is one piece that will determine whether your rate is high or low. If your garaging address is located in an area that has a high crime rate and where a lot of vandalism and car theft occurs, your rates will likely increase. However, if your garaging address is an area where there is little crime and is generally considered safe, your rates will likely decrease.

At Cochrane & Porter, we can advise you on the impact your neighborhood or town will have on your insurance rate. Give us a call at 781-943-1555 or email us at to learn more!

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