Helpful insurance tips for college students

When Your Child Goes to College, How Will That Affect Their Auto Insurance Coverage?

Mom helping son move into dorm

You have plenty of big things to worry about with your child heading off to college — room and board, textbook purchases, and the frequency of late-night pizza orders — so you probably haven't done much thinking about the effect on your auto insurance. Here are some common questions we hear about college student car insurance.

Will my child still be covered under my insurance?

Yes. College students are typically covered under their parents' car insurance, as long as they live at the same address as their parents when not at school. Review your specific policy to see if your child is covered.

Am I going to be paying more for insurance?

It depends. Rates may change if the student is driving the car at school rather than leaving it back at home. (For example, drivers in urban locations generally pay more for insurance than those in rural areas.)

Are any discounts available?

Yes. And now you have another reason to push your child to study hard: Students with solid grades may qualify for a good student discount.

If you have a child in college, or heading off to school soon, get in touch with your insurance agent.


Because insurance protection is a contract, any coverage descriptions in this article are general only and are not statements of contract. All coverages are subject to all policy provisions, including applicable endorsements.