Skip to Main Content

Start Of Main Content

How does auto insurance work with college students?

When your child goes away to a college and leaves their car behind, there are options to lower your insurance premiums while they’re away.

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. But learning how your auto insurance works when your child attends a university or college away from home is an important item to consider.

How does car insurance work when your child goes away to school?

In most cases, you need to notify your auto insurance company about your child leaving for school, even if you are leaving your car at home. Why?

Your child’s car could still be covered when they come home for weekends and breaks

College, university and trade school 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.

You might qualify for a different (and cheaper) auto insurance rate

Rates may change if your child 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. If your child is going to school in a urban location, you might have to pay a higher premium if they take the car with them.

You might receive a discount for their grades

Students with solid grades may qualify for a good student discount.

If your child is in college, or heading off to school soon, get in touch with your insurance agent today.          

The information in this article was obtained from various sources not associated with State Farm®. While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. These suggestions are not a complete list of every loss control measure. The information is not intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. Nor is it intended to effect coverage under our policy. State Farm® makes no guarantees of results from use of this information.


Select a product to start a quote.


844-373-0003

Also Important

Attention, Teen Drivers: Buckle Up

Attention, Teen Drivers: Buckle Up

How you can help your teens make buckling up a habit.

Texting While Driving Includes Growing Mobile Web Use

Texting While Driving Includes Growing Mobile Web Use

Texting while driving is not the only problem - drivers are increasingly using mobile web services.

Related Articles

Attention, Teen Drivers: Buckle Up

Attention, Teen Drivers: Buckle Up

How you can help your teens make buckling up a habit.

Ways to Help Your Teen Driver Stay Safe

Ways to Help Your Teen Driver Stay Safe

Here are tips to help avoid teen crashes and stay safe on the road.

A Timeline: How to Prepare for College

A Timeline: How to Prepare for College

Track the key steps you and your high schooler should consider when preparing for college.