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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.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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