I assume these are zip codes. It doesn't matter which one is cheaper for insurance. You are required to list your physical location where you reside on your insurance application. If you lie in order to save a few dollars you may be justifying your coverage and it's not worth it. Insurance is a promise from you to tell the truth on your insurance application and to provide the insurance company with all the information and the insurance company promises to pay claims as stated in the policy. By providing false information to the insurance company you are committing insurance fraud and material misrepresentation which will void the insurance contract.
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