Distant Student Car Insurance Discount

A distant student discount can save you up to 35 percent on car insurance if your student meets certain requirements, such as attending a college full-time more than 100 miles from home. Since car insurance for students is so expensive, bundle the distant student car insurance discount with other discounts like a good student discount to save even more money.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • When your child is away at college without a car, you can reduce your rates with a distant student discount
  • You can save up to 35 percent on your car insurance with a distant student car insurance discount
  • There are certain rules for this discount, such as your child’s college is more than 100 miles away

When your child goes off to college, you can save money with a distant student discount. There are certain qualifications that have to be met, but you can save up to 35 percent, depending on your car insurance company.

Everyone knows that car insurance for students is very expensive. However, you can find affordable car insurance with a distant driver discount to help lower your costs.

To find the cheapest rates, enter your ZIP code now to compare car insurance quotes with a distant student discount from local companies.

What is a distant student car insurance discount?

A distant student discount on car insurance lowers your rates while your child is away at school. Companies are more willing to give you a car insurance student discount since your student will have limited access to a vehicle.

There are certain qualifications that have to be met to receive the distant student discount. These rules vary by company but usually are:

  • The student must attend a college full-time more than 100 miles away from home
  • The student must be under 23 years old
  • The student must not have access to your vehicle while at school

Although not all car insurance companies offer distant student discounts, you can lower your rates by up to 35 percent by asking for this discount. This can be significant savings since auto insurance for college students is very high.

Which factors affect car insurance rates for teens? Specifically, age will impact teen car insurance rates the most.

The less time behind the wheel, the more likely an accident is to occur. In fact, the CDC reports that almost 2,500 teens were killed and 285,000 were injured in car accidents in 2018.

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Why should you leave your student on your car insurance?

You might be tempted to just remove your student from your car insurance altogether to save more money. However, this might not be the best idea, depending on your situation.

Some reasons to keep your student on your car insurance are:

  • Your student may drive on when they are home. Removing them from your coverage completely would mean they couldn’t drive legally on the weekends, holidays, or summers when they are at home.
  • A lapse in car insurance coverage can cause your student problems down the road. Auto insurance companies like to see continuous coverage once a person has their driver’s license. Any lapse in coverage can result in higher rates.

The good news is that you may be able to lower your car insurance rates further without having to remove your student. You can ask for additional discounts, such as good student, low mileage, and defensive driving course discounts.

Distant Student Discount: The Bottom Line

If your student meets the criteria, you can save money with a distant student auto insurance discount. Bundling that discount with others your student may qualify for can lower your car insurance rates drastically.

Before you buy car insurance with a distant student discount, shop around and compare quotes. Each auto insurance company will offer a different discount amount and have different rules to get the discount. Compare multiple companies to find the best deal.

Enter your ZIP code now to compare car insurance rates with a distant student discount today.

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