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Helpful insurance tips for college students

It's not going to be a big deal, but here are a few things that will be helpful to know.

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.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

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.


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