What is the distant student discount?

A distant student discount will save you up to 7% on your car insurance if your child attends college full-time at least 100 miles from home without a car. Each company will have its own car insurance student discount amounts and requirements. Be sure to combine the distant student discount with others, such as a good student discount, to get the cheapest auto insurance for college students.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: May 25, 2021

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Things to Know

  • A distant student discount may be available when your child is away at college
  • Most car insurance companies may offer a discount when your child is away at school, but the amount will vary and usually be small
  • In most cases, your child will have to be under age 23, attend school more than 100 miles away from home, and not have access to your vehicle in order to get the discount

A great way to save money on car insurance while your child is away at college is a distant student discount. A lot of car insurance companies will offer this discount since your younger driver won’t be driving on a regular basis. However, requirements will vary by company.

Auto insurance for younger drivers is very expensive, but you can find affordable car insurance with a distant student discount. Compare rates and discounts from different companies to find the best deal 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 save up to 7% with a car insurance student discount while your child is away at college. Since your young driver will have limited access to your car, they also have fewer chances of being in a car accident.

You will need to meet certain requirements in order to take advantage of the distant student discount. Requirements will vary, but the most common are:

  • The student must be under 23 years old
  • The student must attend college full-time and be at least 100 miles away from home
  • The student must not have access to a car while at school

Because age is one of the most important factors used to determine car insurance rates, car insurance for students who lack experience is much more expensive.

Less driving experience can equate to more accidents. In fact, the Centers for Disease Control (CDC) report that car crashes are the second leading cause of death for teens in the U.S.

It might be tempting to just remove your student from your car insurance completely if you know they won’t be driving. Even though it might save you some money, it creates more problems.

If you take away your student’s auto insurance, they won’t be able to drive while they’re at home, such as during holidays or summer vacation. It can also be considered a gap in coverage, making it more difficult and costly for your student to obtain auto insurance once they resume driving.

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What car insurance companies offer a distant student discount?

Car insurance companies understand that rates for young drivers are expensive, so most of them offer a distant student discount when your student isn’t driving.

This table shows the car insurance companies with a distant student discount. If the amount of the discount is known, it is listed.

Distant Student Car Insurance Discount Available By Company
CompanyDistant Student Discount Available
21st CenturyX
American FamilyX
Ameriprise (Connect)X
Safe AutoX
State FarmX
The HanoverX
The HartfordX
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Make sure you let your agent know when your student heads off to college. Ask for any car insurance discounts you will be eligible for, such as a good student discount, and bundle them for more savings.

Distant Student Discount: The Bottom Line

You can save up to 7% on car insurance with a distant student discount if you meet the requirements. Bundle this discount with others to save the most money.

Shop around before you buy car insurance with a distant student discount. Each company can give a different discount amount and have different discount requirements. Compare quotes to see who can provide you with the cheapest auto insurance for college students.

Enter your ZIP code to compare car insurance rates with a distant student discount for free today.

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