What Is the Student Away at School Discount?

You can get a discount if you or your kid are away at school without a car. Read more to learn how the student away at school discount works.
College students at school

It’s common for college students to live far from home. If you or another student on your policy are living away at school, you could be in line for a discount from your car insurance company. Most insurers offer a wide range of discounts that drivers can use to lower their rates. A common discount that auto insurers provide for drivers is the “student away at school discount.”

This is a discount for those who have a student on their policy who’s attending school far away from home. You may also see providers call this another name. For example, Allstate calls it the “resident student discount,” while Progressive refers to theirs as the “distant student discount.”

Each insurer runs its discount program in its own way. Some may even include it as part of a safe driver discount. Your exact savings will vary depending on which carrier you use.

This article will explore the basics of the student away discount. This includes an explanation of how you or your college student can qualify for it. It’ll also tell you about each of the major insurance companies’ discount programs and how they work.

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How the Student Away at School Discount Works

Auto insurance discounts are a great way to lower your rates. Just about every insurer offers several discounts that you can take advantage of. In many cases, you can qualify for multiple discounts at once to save even more money on your car insurance.

There are a few discounts that insurers only offer to students and young drivers. The student away at school discount is one that people who are students or who have one on their policy can get. It’s for people who are attending college hundreds of miles away from home and are not bringing their car to campus. Insurance companies offer this discount because the car will be at home and won’t be in as much danger of getting into an accident.

Who Does the Student Away Discount Apply to?

The student may be the one at college, but it’s the parents who reap the rewards. If your kid’s car is in your name, then you’ll be the one saving money on your insurance. This is because the car, assumedly, won’t be seeing much action while your college student is away at school.

Other Discounts Available for Young Drivers

You should also consider the safe driver and good student discount if you or your child are in school. The safe driver discount is for people who maintain a clean record for consecutive years (the exact amount depends on the insurer). The good student discount is available to drivers who get good grades in school. This is usually around a “B” or 3.0 grade point average.

Some insurers may package the good student and student away discounts together with the safe driver discount. Be sure to check your insurance company’s discount program to see how they run it. There will be a list of major insurers and their programs later in the article.

How You Can Qualify

The student away discount sounds simple enough. You or your kid will need to be living at college far from home. But you’re going to have to qualify for it based on your insurer’s requirements. Each insurer will have its own set of requirements. But most of them are fairly consistent.

Whether or not you qualify for the discount will come down to how far the college is from your permanent residence. Per the Insurance Information Institute (III), here’s how you can generally qualify for the student away discount:

  • Your school’s campus is 100 or more miles away from the student’s permanent address
  • The student doesn’t bring their car to campus
  • Student is in college full-time
  • The student is 22 years old or younger

Note: the requirements above are from the III and may not reflect your insurer’s rules. How you can qualify will depend on your provider’s requirements.

Where You Can Get the Student Away Discount

Many major insurers offer the student away at school discount. But their discount programs aren’t all the same. Each insurer may offer a different amount of savings and have its own rules to qualify. Below is a list of the major insurance companies that offer the discount and how they run their program:


With Allstate, you can get a discount if your child is away at college. They call this the “resident student discount.” They don’t say exactly how much the discount is. How much you save depends a lot on the driver. But Allstate requires that the college be at least 100 miles away to qualify for the resident student discount.


Progressive offers a discount if your student is away at school. They refer to this as the “distant student discount.” They say that exact savings will vary depending on the customer. Progressive warns that this discount isn’t available in California. To qualify, the student must be:

  • Attending a school that’s at least 100 miles away
  • 22 years old or younger
  • Not have a vehicle at school

Travelers Insurance

You can get the student away at school discount with Travelers Insurance. The precise percentage of the discount will vary based on the driver and the state that they live in. To qualify for the discount, Travelers requires:

  • College student on your policy to attend school 100 miles away or further
  • Student to be 25 years of age or younger
  • The car remains at home and have minimal use

Travelers also mentions that the discount counts while the student is back home for breaks or holidays throughout the year.

American Family Insurance

AmFam offers the student away discount for their customers. They require you to:

  • Have a student on your policy who’s 25 years or younger
  • Have that same student be attending college 100 miles or more away
  • Make sure the car stays at home and sees little use

They don’t disclose the exact amount of money that you can save. This number will likely depend on your record, the car you’re insuring, and the state you live in.

Liberty Mutual

Liberty Mutual is an insurer that provides the student away at school discount. They don’t list an exact percent discount available to you. This will likely vary depending on your policy and the car you’re insuring.

They also don’t name any requirements on their website except that the school must be far away. In general, you should go off the general requirements of the school being 100 miles away and the car remaining at home. Be sure to speak with your Liberty Mutual agent about specific requirements to qualify to get more info.

State Farm

You can get the student away at school discount with State Farm. They want one of the car’s drivers to be under the age of 25 and attend school far away to qualify. Your kid may only use the car on holiday or breaks to be eligible for the discount.


AAA offers a discount to drivers who have a student away at school on their policy. You can save up to 46.7% on select coverages. To qualify, students must live on campus 100 or more miles away from home without their car. Keep in mind that this discount is not available in every state. Check your local AAA website for more information.


Families with one or more students living away at school may qualify for an Erie auto discount. Erie calls this the college student discount. If your student is away at school without access to a car, be sure to ask Erie about this discount. The insurer doesn’t say exactly how much you can save, but with a kid in school, every little bit helps.


Auto Owners Insurance offers a solid selection of teen and student discounts. One of them is almost too easy to qualify for. We’re talking about the Auto-Owners student away at school discount. This discount is available to Auto-Owners customers with a student living at least 100 miles from home without access to a car.


Mercury provides several drivers status discounts to help them save. One of these is the Mercury distant student discount. This discount applies when you have a student living at least 100 miles from home. Students must also be under the age of 23 and have no access to the insured vehicle.


Amica has a student away discount on auto insurance. You can qualify when you have a student away at school full time without access to a car. There’s no mention of how far away students must live from home. You’ll need to speak with an Amica agent to learn more.

The Hanover

The Hanover provides few details regarding their student away at school discount. Most likely it involves savings when your college student is living away from home without a car. But you’re going to need to contact The Hanover directly for more details.

Frequently Asked Questions

Q: How do you prove your child lives 100 miles away from home to qualify for the student away discount?

A: Insurance companies verify that your kid lives at a college at least 100 miles away. They will ask you to prove it. The form this proof takes will likely depend on your insurer. The college’s address is the most obvious option. Your provider can always verify the address on their own as well to make sure the mileage is correct.

You should also be prepared to prove that you or your child are under a certain age. Some insurers place age limits on who can get the discount. The most common ages are under 22/25 years of age. Be sure to check your insurer’s rules on how to qualify to see if they have an age limit.

Q: What is the maximum age that your child can be to get the student away at school discount?

A: This will depend on your insurer. Some insurers, such as State Farm, require students to be under the age of 25 to qualify. Progressive requires students to be under the age of 22 to be eligible for the discount.

Q: How much can you save with the student away at school discount?

A: Getting the student away at school discount will knock a certain percentage off of your car insurance premiums. The exact percentage will vary based on a few factors. Your insurer will be the main factor. They’ll ultimately decide how much you can save. Another factor might be your state’s rules on discounts. Other factors might be your driving record, age, gender, and type of car you drive. You should speak with your agent to get a rough estimate of how much you can save with the student away discount.


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