Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Oct 2, 2020

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Sending your child off to college can be an exhilarating and exasperating transition, for both parents and students.

If your college bound child intends to drive while at school and you are currently an Allstate insurance customer, adding these kids to your family car insurance coverage is one way to address that concern.

Chances are good that you have already added your college bound child as a driver on your family car insurance policy.

When college students are added to Allstate auto insurance family coverage, they can enjoy the same protection assurances as drivers already insured under the policy.

There are a few questions unique to the college student you should address.

Car on campus, or not?

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.

As long as the child does not live at home for longer than a month during the school year, you don’t have to list the child as a driver if they don’t have access to a car that is covered on your policy.

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

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?

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

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