What Is a Student Away at School Discount?

Student away at school discounts allow you to keep your college child on your policy without having to pay full price if they're not driving much. Read here to learn more.
Written by Jason Unrau
Reviewed by Carrie Adkins
Many insurers will offer student away at school discounts for families who want to keep their child insured but don't want to be paying full insurance when the child is away at college.
You’ve unloaded the final box into their dorm room and just like that, you're empty nesters. Your
car insurance
policy has your grown-up child still listed as a dependent, even though they aren’t living under the same roof anymore. That doesn’t seem quite right, does it?
Many auto insurance companies have a surprise for you once one of your offspring has gone off to school: a discount! It makes sense since they aren’t going to be driving while they live on campus. It’s known as a student away at school discount. Here's how it works.
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings

How to get a student away at school discount

Since your adult child won't be driving your vehicle (or at least driving your car very little) while at school, insurers will reduce how much you have to spend on car insurance premiums. The reason is simple. Young drivers seem to be at higher risk of collisions due to silly mistakes, foolish decisions, and inexperience. if your child is away at school and not driving, your car is at a lower risk of insurable damage, so you don’t have to pay as much.
The criteria for a student away at school discount will vary from one insurance provider to the next. Common criteria include:
  • Your child needs to be a full-time student.
  • They must live at least 100 miles away from home.
  • Your student must not have a car with them at school.
  • They must be 22 years of age or younger.
  • Some insurance companies specify the student must be unmarried too.

Why keep your child on your policy?

It would certainly be cheaper to just remove your child from your car insurance policy altogether. However, they won’t be at school forever. When they come home from school, do you want to chauffeur them around because they aren’t insured to drive themselves? Probably not. Plus, it’s less expensive for you to carry a dependent on your policy than for a student driver to obtain their own car insurance.
By keeping them on your insurance policy, they stay protected even if they drive someone else’s car when they’re at school or rent one to come home for the holidays.

Which insurers offer a student away at school discount?

Some variation of a student away at school discount is available from most insurance companies. Criteria will vary as well as the discount rate. Here are a few insurance companies that offer student away at school discounts.

Travelers Insurance

You can save up to 7% on car insurance with
student away at school discount. They have to attend school at least 100 miles away from home, although Travelers doesn’t list a maximum age on the website.

Liberty Mutual

Although there are likely more criteria once you begin the application process,
Liberty Mutual
says you’re "eligible for a discount if your son or daughter is away at school and only occasionally drives your car" with their
Student-Away-at-School discount
. You’ll need to ask an agent how much you can save.


One of the best Student Away discount rates is from
. You can save as much as 10 percent on car insurance if an unmarried dependent driver attends school and lives more than 100 miles away from your vehicle.

American Family

American Family offers their
Away at School
discount to more people as their age qualification is for students under 25 years of age. They have to be at school more than 100 miles away, and they can’t have a car with them.


, a
Distant Student discount
is available for policyholders who have a student on their policy who is 22 years of age or younger, is at school more than 100 miles from home, and doesn’t have a vehicle at school. You need to contact Progressive to find out how much you can save.

Get cheaper insurance with Jerry

If you're looking for cheaper car insurance, look no further.
is your ultra-talented car insurance broker for life. No need to sit across from him at a desk—Jerry is an app! It takes less than a minute to sign up and you’ll be presented with competitive rates from up to 50 top providers. Don’t lose coverage, find savings with Jerry.
It’s this simple: download the Jerry app or go to getjerry.com. In less than 45 seconds, Jerry collects all of your information from your existing insurer. Choose from competitive quotes from up to 50 top insurance companies and Jerry takes care of the rest—securing your new policy and helping you cancel your old one. No long forms. No calling around. No hard work. Just savings. The average Jerry user saves $879 a year on car insurance.
Haven’t shopped for insurance in the last six months? There might be hundreds $$$ in savings waiting for you.
Judith switched to Progressive
icon savingsSaved $725 annually
Alexander switched to Travelers
icon savingsSaved $834 annually
Annie switched to Nationwide
icon savingsSaved $668 annually
Are you overpaying for car insurance?
Compare quotes and find out in 45 seconds.
Try Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings