Allstate Car Insurance for College Students

Allstate’s smart student discount is a great way for drivers to save on Allstate car insurance for college students. Read on to learn more about how Allstate can offer the best car insurance for young drivers, from rates to discounts.

Want to find the cheapest car insurance for college students today? Enter your ZIP code into our free quote comparison tool.

Average Cost of College Car Insurance

Applies to 18 Y/O Male drivers with a two door sedan.

*Washington D.C. is included although not a State.

State-by-State Comparison of Auto Insurance Costs for College Students

*Most students pay 4 to 5k with a big majority paying 6K and up as shown by the graph.

Allstate College Student Discounts

Speaking of discounts, your car insurance premium most likely went up when you added your college-bound driver, and those rates will likely stay higher.

There are ways that you can offset this increase, such as taking advantage of the various premium discounts you and your student driver may be eligible for.

If you are not already doing so, look into saving money with these Allstate discounts:

• Multi-car discount – If you insure all of your vehicles with Allstate, you can save money across the board thanks to a car insurance discount for multiple vehicles at Allstate.
• Multi-policy discount – Known as bundling, if you insure your home and cars with Allstate, you get a home and auto insurance bundles discount.
• Safe driver discount – If you and/or your kids have had no tickets or accidents in the past few years, you all can get discounts for being good drivers (read more: best auto insurance companies for good drivers).
• Organizational and club discounts – Allstate offers discounts for being a member of certain organizations and clubs, and there may be fraternities or sororities your son or daughter joins that qualify for these discounts.
• Good grades discounts – If your college student maintains good grades, there can be a discount on premium (up until s/he turns 25). Learn how to get a good student car insurance discount.

When your kids head to college, you’ll have to decide whether to keep them on your family car insurance policy, or require them to find their own car insurance coverage.

In nearly every case, adding or maintaining them on a family policy will ease the burden of cost. No matter what type of car they drive, whether it’s a classic or vintage vehicle, Allstate has various policies available (learn more: How to Get The Right Car Insurance Coverage). You want your student to have more than one option when finding the best car insurance for students, and sometimes it helps you to have them on your auto insurance policy, because you don’t have to worry about them as much.

Should you have a car on campus?

If your child will be staying on the campus of his or her college without a vehicle, then you can actually remove the child from your policy for the months that he or she is away.

Some of the other factors you will need to consider before adding your college student to your family’s Allstate car insurance policy include the following questions.

How much driving will the student be doing?

Depending on whether your college bound kids are going away to college or commuting to a nearby campus, you may want to either increase the coverage or scale it back accordingly.

If your college student is leaving a car parked at home while s/he lives on campus, you’ll be in a good position to be able to save a few extra dollars a month on the family’s car insurance.

How far away is the campus from home?

If your child’s college is at least 100 miles away from home and no one will be driving his/her car, let your Allstate agent know immediately.

Your child may qualify for what’s called the “resident student” discount, which can help lower your car insurance bill by as much as 30 percent.

On the other hand, if your kids’ daily commute has him/her driving longer distances to get to campus and back, now may be the good time to revisit your coverage limits to make sure that your kids are properly insured.

How safe is the campus?

If your college-bound kids are taking up temporary residence at a campus away from home, enlist the help of your insurance agent and check into the crime and vandalism rates for the campus and its surroundings. No matter your vehicle, Allstate has coverage for a college student.

This will give you and your child a good idea of what to expect as s/he prepares for life in new surroundings.

If your child is going away to college and bringing a car to an environment with a higher crime rate, you may want to include comprehensive coverage at levels suitable to protect against theft or vandalism damage.

Read more: Understanding Comprehensive Car Insurance Coverage

It might also not be a bad time to invest in anti-theft devices for any car headed to campus.

Doing so may not only cut back on the likelihood of things being stolen or damaged, but it might also land you a premium discount.

Learn more: Does Car Insurance Cover Theft of Your Vehicle or Personal Belongings?

If you’re looking into various auto insurance companies trying to find the best auto policy for you and your college student, we have a free comparison tool to compare quotes from different companies and help you with buying auto insurance. Don’t forget to take a look into what types of coverage will be offered, as well as any insurance discounts that are offered. All of that information can lead you to making a confident insurance-based decision in the end.

(Please note: this article is informational in its intent as the author has no affiliation with Allstate or any other insurance company.)