What Is the Student Away at School Discount?

You can get a student away at school discount if someone on your policy lives at college 100 miles from home without access to a car. Qualifying families can save 5 to 10% on their auto insurance.
A student walking on school campus

It’s common for young adults attending college to live far from home. Some high school pupils also reside at campuses many miles from their primary ZIP code. If you or someone else on your policy live at a school far from home, you could be rewarded by your car insurance company. Most providers offer a wide range of methods drivers can use to lower their rates. A common one is the “student away at school discount.”

These savings are for anyone with a family member on their policy residing at a school a long distance from home. Some insurance companies have a different name for it. For example, Allstate calls it the “resident student,” while Progressive refers to it as the “distant student”

Each insurer has its own rules. Some may even include it as part of safe driver programs. Your savings will vary depending on which insurance carrier you use.

This article will explore the basics of the student away at school discount. It includes an explanation of how you can qualify. It also has information about how it works and how much it lowers rates.

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How the Student Away at School Discount Works

Discounts are a great way to lower your rates. Just about every insurer offers several. Often, you can qualify for more than one to save even more money.

Insurers offer savings to collegiate families, teen drivers, and young drivers. The student away at school discount is one example. It’s for when a family member attends college hundreds of miles from home without bringing their vehicle to campus. Insurance companies reduce costs because the car will be at home and won’t be in as much danger of getting into an accident.

Who Does It Apply To?

The student may be the one living at school, but it’s the parents who reap the rewards. If the car is in your name, then you’ll be the one saving money. This is because the vehicle, assumedly, won’t be seeing much action during a school term.

How You Can Qualify

To qualify, you must meet several requirements. First, someone on your policy must attend college or high school far from home without their car. Most insurance companies have a set distance in miles to qualify. Then, you must meet your insurer’s age requirement. Each provider will have its own set of rules, but most of them are consistent.

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

  • Your school’s campus is 100 or more miles from your permanent address
  • No family car goes to campus
  • Someone attends college full-time
  • The driver going away is 22 years old or younger

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

How Much This Discount Saves You

How much you save depends first on which company covers your vehicle. After that, savings vary by state and personal situation. Most families will save 5% to 10%, which isn’t a lot. But when you have a family member in college, every little bit helps.

Companies Offering the Student Away At School Discount

Most of the national auto insurers offer some form of savings when a driver on the policy goes away to college and leaves the car at home. But their programs aren’t all the same. Each provider may offer a different amount of savings and have its own rules to qualify.

Below is a list of the major companies offering a student away discount and details about their programs:


Allstate offers a resident student discount reduces insurance rates for families with a dependent living at school. Your savings will vary depending on many factors. To qualify, the school must be at least 100 miles home.


The Progressive distant student program is for family members with a driver on the policy residing at school without a car. How much it lowers insurance rates varies by customer. Progressive does not offer this in California. To qualify, the driver must be:

  • Attending a school that’s at least 100 miles from home
  • 22 years old or younger
  • Without a vehicle at school


Travelers offers savings to families with a driver living away at school. Savings vary depending on the driver and the state that they live in. To qualify, Travelers requires that:

  • The driver on your policy attends a school 100 miles from home or further
  • Family member attending college is 25 years of age or younger
  • The car remains at home and is hardly used

Travelers also mentions that savings continue during breaks or holidays throughout the year.

American Family

American Family lowers rates when policyholders:

  • Have a a driver on your policy who’s 25 years or younger
  • That same driver attends college 100 miles from their primary residence
  • Make sure the car stays at home and sees little use

AmFam doesn’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 offers reduced pricing to qualifying policyholders with a family member living away at a college or university a long distance from home. It doesn’t publish how much it lowers auto insurance premiums on the website. This will likely vary depending on your policy and the car you’re insuring.

Liberty Mutual doesn’t name any requirements on its website, except that the school must be a long distance from their primary residence. In general, you should expect a 100+ distance requirement with the car remaining at home. Be sure to speak with your agent about specific qualification requirements to get more information.

State Farm

State Farm a sweet deal to families with at least one driver under the age of 25 attending college away from home. They can only use the car on holidays or breaks to be eligible. How much it reduces auto insurance premiums varies. Ask your agent for more information.

The Drive Safe & Save program is another way for collegiate families to save on their car insurance. Check the website for more information on this State Farm page.


AAA offers savings to families with a driver living at school away from home. You can save up to 46.7% on select coverages. To qualify, someone must live on campus 100 miles from home without access to a car. Keep in mind that this isn’t available in every state. AAA membership may also be required. Check with your agent to see what’s available.


The Erie college student discount brings financial relief to families with one or more family members living at school. The insurer doesn’t spell out exactly how much it lowers premiums, however. If your kid is living at a college or university without access to a car, ask an agent or go call Erie for more information.


Auto-Owners offers several ways families of teen and young drivers to save on their insurance. One of them is almost too easy to qualify for. Auto-Owners reduces rates of policyholders with a family member living at school a minimum of 100 miles from home without access to a vehicle


Mercury provides several “driver status discounts” to help lower insurance rates. One of these is the distant student discount. It applies if you have a family member living at least 100 miles from home. Qualifying drivers must also be under the age of 23 and have no access to the insured vehicle.


Amica offers a program geared towards families with a driver living at a college or university. You can qualify when you have a family member living at school full-time without access to a car. There’s no mention of how far drivers must live from home. You’ll need to speak with an Amica insurance agent to learn more.

The Hanover

The Hanover offers savings for families with kids in college, but doesn’t provide many details. It likely involves savings when your child lives far from home without access to the family vehicle. But you need to contact The Hanover directly for more details.

Student Away at School Discount by Company

Insurance CompanyQualifying AgesMax Savings
Allstate16 and 24Varies
ProgressiveUnder 23Varies
TravelersUnder 26Varies
American FamilyUnder 26Varies
Liberty MutualUnder 265-10%
State FarmUnder 25Varies
MercuryUnder 23Varies
The HanoverUnder 22Varies
Note: table data found on the above insurers’ websites.

Other Ways Families of Students Can Save Money

There are plenty of ways to save money on car insurance if you or your child are in school. This includes taking advantage of other rewards or alternative ways, such as getting a new policy or considering a telematics program. Here are common ways that families can lower costs:

Qualify for Other Discounts

Opportunities like these are great if you or your child are in school. Below are a few more ways to lower auto insurance rates:

  • Good student. To qualify, insurers want to see good grades. Most companies require that pupils maintain a “B” average and be below the age of 25. Good students save up to 25%, however, exact savings vary by provider.
  • Safe driver. Staying out of trouble and not getting into accidents always leads to lower rates. Insurers reward the safest drivers with the lowest premiums. With this, you can save anywhere from 10 to 40%.
  • Telematics or usage-based. By installing a insurance telematics device in your vehicle to track your driving habits, you could receive lower rates. Some insurers even award savings just for signing up.
  • Defensive driving course. If take a defensive driving course, either online or in-person, you may qualify for savings. However, some insurance companies only reduce rates of drivers above the age of 55. Be sure to ask your provider for more details.

Be sure to read our article that ranks the car insurance companies with the best savings opportunities. It can help you find the insurer that’s right for you.

Get a Separate Policy

Students can save money by getting their own car insurance policy. This is especially true if they’re around 25 years old. If the parents have tickets and accidents on their record, a separate policy is a smart idea. Before taking action, you should consult an agent or your insurer to see how it would change your rates.

Shop Around

If your car insurance costs are too high when you’re in school, it’s never a bad idea to shop around and find the best deal. This is especially the case if you’re looking to get your own policy. By comparing rates from several insurers, you can find the most student-friendly policy out there.

Frequently Asked Questions

How do you prove the school is 100 miles from home to qualify?

Insurers verify that your kid lives at a college at least 100 miles from home. They will ask you to prove it. The form this proof takes will likely depend on your insurer. The college address is the most obvious option. Your auto insurance provider can always verify the address on its own to ensure the mileage is correct.

Be prepared to prove your kid’s age. Some providers place age limits on who qualifies. The most common ages are under 22/25 years of age. Check your insurance carrier’s rules to see if there’s an age limit.

What is the maximum age allowed for the student away at school discount?

This depends on your car insurance company Some insurers, such as State Farm, require that dependents be under the age of 25 to qualify. Progressive requires them to be under the age of 22 to be eligible. Each carrier has its own rules and requirements. So, read the details with care and don’t hesitate to ask your agent if you have any questions regarding eligibility.

How much can you save with the student away discount?

The student away at school discount knocks a certain percentage off of your premium. The exact amount will vary based on a few factors. Most families save 5% to 10%, but precisely how much will ultimately depend on your insurance provider. Another factor might be your state’s rules. Other factors might be your driving record, age, gender, and type of car you drive. Speak with your agent to get a rough estimate of how much you can save.


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