What Is the Student Away at School Discount?

You can get an auto insurance discount if a student on your policy lives away at a college 100 miles from home and is without access to a car. The student away discount saves qualifying families 5 to 10% on their policies.
A college student away at school

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

This discount is for anyone with a student on their policy attending school far away from home. Some providers have a different name for this discount. For example, Allstate calls it the “resident student discount,” while Progressive refers to it as the “distant student discount.”

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

This article will explore the basics of the student away discount. It includes an explanation of how you or your college student can qualify. It also has information about how the student away from school discount works.

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How the Student Away Discount Works

Auto insurance discounts are a great way to lower your rates. Just about every insurer offers several. Often, you qualify for more than one to save even more money on your car insurance.

There are a few discounts that insurers offer to students and young drivers. The student away at school discount is for students or people with one on their policy. It’s for students attending college hundreds of miles away without bringing their car to campus. Insurance companies reduce rates because the car will be at home and won’t be in as much danger of getting into an accident.

Who Does the 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.

How to Qualify

The student away discount sounds simple enough. You or your kid will need to live at a college far from home. But you qualify for it based on your insurer’s requirements. Each insurer will have its own set of requirements. 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 away from the student’s permanent address
  • The student doesn’t bring their car to campus
  • Your 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.

How Much the Student Away Discount Saves You

How much you save depends first on which insurance company covers your vehicle. After that, savings vary by state and personal situation. Most families will save 5% to 10%. This isn’t the biggest discount. But when you have a student in school, every little bit helps.

Insurance Companies with a Student Away Discount

Many major insurers offer a student away at college discount. But their 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 it and how they run their program:


With Allstate, you can get it when your child’s away at college. The insurer calls this the “resident student discount.” But its website doesn’t say how much you save. How much you save depends a lot on the driver. But Allstate requires the college to be at least 100 miles away to qualify.


Progressive offers savings when your student is away at school. The company refers to this as the “distant student discount.” Exact savings will vary depending on the customer. Progressive warns that it’s not available in California. To qualify, the student must be:

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

Travelers Insurance

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

  • The college student on your policy attends a school 100 miles away or further
  • Students are 25 years of age or younger
  • The car remains at home and is hardly used

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

American Family Insurance

The AmFam student away discount applies when customers:

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

The company 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 a student away at school discount to qualifying families. It doesn’t publish the savings on the website. This will likely vary depending on your policy and the car you’re insuring.

The provider also doesn’t name any requirements on its 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 discount with State Farm. The carrier wants 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 holidays or breaks to be eligible.


AAA has a discount for drivers with a student away at school. You can save up to 46.7% on select coverages. To qualify, students must live on campus 100 miles away from home. Keep in mind that this isn’t 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 savings. Erie calls this the college student discount. If your student is away at school without access to a car, ask Erie about it. The insurer doesn’t say how much you 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. It’s 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 distant student discount. It applies if 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 living 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 very few details regarding its student away at school discount. It likely involves savings when your college student lives away from home without a car. But you need to contact The Hanover directly for more details.

Other Student Insurance Discounts

You should also consider the safe driver and good student discounts 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). Good student discounts are available to drivers with good grades in school. This is usually around a “B” or 3.0 grade point average.

Frequently Asked Questions

Q: How do you prove your child’s school is 100 miles away from home to qualify?

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 address is the most obvious option. Your provider can always verify the address on its own to ensure the mileage is correct.

Be prepared to prove that you or your child are under a certain age. Some insurers place age limits on who qualifies. The most common ages are under 22/25 years of age. Check your insurer’s rules to see if there’s an age limit.

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

A: This depends on your insurance company. 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.

Q: How much do student away discounts lower rates?

A: Getting the student away at school discount will knock a certain percentage off of your car insurance premiums. The exact amount will vary based on a few factors. Most families save 5% to 10%, but it’ll ultimately depend on your insurer. 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. Speak with your agent to get a rough estimate of how much you can save.


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