Car Insurance Discounts for Distant Students
Save up to 7% on your car insurance with a distant student discount while your child is attending college full-time more than 100 miles from home without a car. However, each company will have different car insurance student discount requirements and offer a different discount amount. Bundle the distant student discount with other available discounts for even more savings.
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UPDATED: May 20, 2021
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- You may qualify for a distant student discount when your child is away at college
- A distant student discount is offered by most car insurance companies, but the amount of the discount will vary
- Usually, your child will have to attend a college more than 100 miles away, be under 23 years old, and not have access to your car
A distant student discount on car insurance will save you money while your child is off at college. Many car insurance companies offer a discount since the younger driver won’t have access to your vehicle. However, you will have to meet certain requirements in order to get the discount.
Although car insurance for students is expensive, you can still find affordable car insurance with a distant driver discount to lower your rates. Compare rates from various companies to find the cheapest coverage for you.
Enter your ZIP code now to compare car insurance quotes with a distant student discount from multiple companies near you for free.
What is a distant student car insurance discount?
You can receive a distant student discount of up to 7% on your car insurance while your child is away at school. Car insurance companies offer a discount because your child will have limited access to a car and lower chances of being in an accident.
However, you will have to meet certain requirements in order to receive the distant student discount. The most common requirements are:
- The student must be under 23 years old
- The student must not have access to a vehicle while at school
- The student must attend college full-time at least 100 miles away from home
Age is one of the most important factors when it comes to determining car insurance rates. Young drivers’ car insurance is very expensive because they lack experience and are more likely to be in an accident.
According to CDC statistics, 285,000 teens were injured in accidents in 2018.
Car insurance with a distant student discount can offer lower rates, while still allowing your student to have car insurance just in case they need to drive.
If you know that your student won’t be driving, it might be tempting to remove them from your car insurance altogether. However, that comes with its own set of problems.
If you remove car insurance for your student, they won’t be able to drive when they are home, like on breaks or for summer vacation. It can also be considered a lapse of coverage, making it harder and more expensive for your student to get car insurance when they do start driving again.
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What companies offer a distant student discount?
Many car insurance companies offer a distant student discount to help lower rates while the student isn’t driving.
This table shows you top insurance companies that offer the distant student discount. If the amount of the discount is known, it is listed.
|Company||Distant Student Discount Available|
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Be sure to speak with your agent about adding a distant student discount to your policy when your child goes off to college. It can save you money while keeping continuous coverage for your student.
Distant Student Discount: The Bottom Line
A distant student discount will save up to 7% on car insurance if your student meets the requirements. Most companies will also let you bundle car insurance student discounts with others to save you the most money.
Shop around before you buy car insurance with a distant student discount. Each company will offer different discount amounts and have different qualifications for the discount. Compare quotes to see who can offer you the cheapest auto insurance for college students.
Enter your ZIP code to compare car insurance rates with a distant student discount for free today.