Distant Student Car Insurance Discount

Depending on their age and how far the college is from home, students may qualify for a discount. This can be incredibly helpful, since college can be an expensive endeavor.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

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 Laura Walker

UPDATED: Jun 23, 2022

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The Rundown

  • Students who are away at college may qualify for significant savings on car insurance
  • You may save up to 15% with a distant student car insurance discount
  • This option is usually better than removing the student from the policy altogether

Sending a child off to college is usually an expensive endeavor, and every opportunity to save some money can help. If you happen to be said college student, managing your college costs and other finances will not be an easy feat. Fortunately, it’s possible to save some money on car insurance with a distant student discount. 

Before you tell your college-aged child to find their own insurance policy, it’s worth looking into their rates if they stay on your plan throughout college. Read on to learn more.

What is a distant student car insurance discount?

According to the CDC, statistics show that teenage drivers are at a higher risk of injury or death due to a car accident. That’s why, in general, car insurance rates for teens tend to be higher. At the same time, car insurance companies realize that not all young college students have vehicles with them on campus. In many cases, the cars they drive are back at their parents’ home, and they may drive them rarely, if at all. 

Because these students are driving less frequently, some car insurance companies offer a distant student discount. If your college student will have limited access to their car while at school, you may be eligible for a distant student car insurance discount. Depending on your car insurance company, you might save as much as 15% on insuring your child.

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What are the qualifications for a distant student discount?

The qualifications for a distant student discount on insurance vary from company to company. In general, though, the student must attend college full time, and the campus must be more than 100 miles away from home. The student must be under 23 years of age, and they must not have access to the car while they are at school. In most cases, if your child comes home to visit you for a weekend, they will still be covered if they drive your car.

Should I leave my college student on my car insurance?

Understandably, you might think it would make more sense to remove your college children from your insurance policy altogether. However, there are a few reasons that this might not be the best decision. 

For instance, when your child returns home for weekends, holidays, and summer vacations, they will probably need to car to drive to work and visit friends. Removing them from your policy means your child could not legally drive your vehicle. Also, to maintain the best rates over time, car insurance companies like to see that drivers are covered continuously without any lapses. If you remove your son or daughter from your policy, even temporarily, it may end up costing more money in the long run.

Additional Discounts for College Students

Besides the distant student discount on car insurance, your college student may qualify for additional student car insurance discounts while they’re away at school. For instance, if you have an insurance agent, ask them about good grade discounts for college students. Some companies will reward students who maintain a B average or better with as much as a 10–15% discount on rates. Other possible savings include paid-in-full discounts, usage-based discounts, safe driving discounts, and organizational or membership club discounts. 

In general, though, the best way for a young college student to get the lowest possible car insurance rates is to be a safe driver who avoids traffic tickets and fender benders. And, as a parent, you also may be relieved to know that once your child turns 25, they’ll have to leave your policy (and they’ll be eligible for lower rates if they maintain a good driving record.

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A Distant Student Car Insurance Discount Can Add Up to Big Savings

Between tuition, housing, books, and other expenses, having a child in college can take a serious toll on your bank account. According to the National Center for Education Statistics, the average cost of tuition and fees at four-year public schools is $9,400 per year. Fortunately, with the help of a distant student car insurance discount, it’s possible that having a child in college can lead to some savings. Contact your insurance company to ask if your student qualifies — or shop around for another provider that may help you see a nice drop in your rates. Plus, don’t forget to ask about a further education car insurance discount for after they graduate. As an added bonus, sometimes car insurance companies will offer further savings once someone has a college degree. 

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