Do some states forbid distant student discounts for car insurance?

Do any states prohibit distant student discounts? My son just moved all the way to Michigan to start college! We'd love to keep him insured, but my husband said that Michigan law might prevent insurance providers from offering distant student discounts.

Answer
“Distant student discounts are legal in every state but they may not be offered by every provider.
Each insurance company must also file all its rules, guidelines, and discounts with its state’s insurance commissioner. If this type of discount isn’t filed and approved for the provider, it can’t be an option for their customers.
Students are also required to meet a strict set of prerequisites in order to apply for distant student discounts. Specifically, most students must be:
  • Enrolled full time
  • Under 23 years old
  • Attending college at least 100 miles away from home
  • Without access to a vehicle covered by your policy
Even if your son doesn’t qualify for a distant student discount, there are plenty of other affordable coverage options. Try using Jerry to compare quotes from providers across the country. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, lets you switch plans, and will even help you cancel your old policy.”
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Shannon Martin
Answered on Sep 09, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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