Now that my kid is going away for college, should he get his own insurance policy?

How do I set up my son's insurance when he leaves for college? My son will be headed off to college soon, he is going to take some summer classes before the fall semester starts. His campus isn't pedestrian-friendly, so he will need to take a car with him.

Answer provided by
Shannon Martin
Answered on Jul 12, 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.
“There are a few options when it comes to college students taking cars with them to school. Which one will work best for you depends on how the vehicle is registered and where it is being garaged.
Will your son be going out of state for school? If not, all you will need to do is contact your carrier and update the garaging address of the vehicle he is taking with him.
If he is going out of state for school, he will need a separate policy for the vehicle.
Who’s name is the car registered to?
If it is registered to your son, he will need to get quotes for a new policy under his name for his new address. The easiest way to find the best price is to find car insurance quotes online.
If the car is registered to you, contact your carrier and let them know of the situation. They will create a duplicate policy for the new address under your name, but only your son will be listed as an active driver. On your policy, he would be listed as a non-driver.”

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