College Student Car Insurance

Heading off to college is an exciting time but it can also be stressful. Don't let worrying about car insurance get you down. We are here to help!

The first thing to figure out is: should you stay on your parents' policy, or do you really need your own policy? If you need your own, we can help you figure out what you'll need and things to think about before starting your quote. Once you've gathered the needed info, get a GEICO car insurance quote and see how much you could save!

Do college students need their own car insurance policy?

Let's start by answering some questions:

  • Whose name is listed on the title?
  • Where will the vehicle be kept?
  • How often and far will the vehicle be driven?

Name on the Title

The person listed on the title usually has the insurance policy in their name. This is because they're financially responsible if the vehicle causes harm or damage to others in an accident. This can also be true even if the owner is not driving in the accident.

Title in Parents' Name

If one or both of your parents are the titled owner, you may be able to stay on their policy. Your family may even be able to save with auto insurance discounts GEICO offers.

Title in Student's Name

If the title is in your name, you'll probably need to get your own policy. But don't worry, we've made it quick and easy to get a student car insurance quote. With your own policy you'll also get access to our award winning mobile app, where you can manage your policy, request ID cards, file claims, and more.

For more information, you can also check out a few basics of car insurance and the coverages it can provide.

Where will the vehicle be kept?

If you're taking the vehicle with you to college, you'll need to provide the address where the vehicle will be kept. If you're moving to another state different coverages and coverage limits may be required. You can find out about different states on our state information pages.

Your car insurance policy needs to meet the minimum required coverages for that state. But having the minimum doesn't mean you have the protection you may want. Check out our coverage calculator to help you decide what limits of coverage will meet your needs.

How often and how far the vehicle will be driven?

If you're living on campus, you may have other options for transportation to and from class. You may not need to use your vehicle as much. But, if you're off campus or working, you may still be using the vehicle on a regular basis.

Getting a Student Car Insurance Quote

To speed up the quote process, be sure you have this information ready:

  • Valid driver's license number
  • Vehicle identification number (VIN)
  • Address where the vehicle will be stored

With GEICO, you could save even more by having good grades, a good driving record, or an affiliation with an organization that partners with GEICO. These student car insurance discounts may apply whether the policy is in your name or your parents.

We can help you find the right student car insurance quote to meet your needs today. We can also adjust as your needs change in the future. If you're going to be living in an apartment while you're at college, you may need renters insurance to protect your belongings. We can help you get a renters insurance quote too, through GEICO Insurance Agency.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Renters coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc.

GEICO contracts with various membership entities and other organizations, but these entities do not underwrite the offered insurance products.

Some discounts, coverages, payment plans, and features are not available in all states ore all GEICO companies. discount amount varies in some states. One group discount applicable per policy. Coverage is individual. In New York a premium reduction may be available. GEICO may not be involved in a formal relationship with each organization; however, you still may qualify for a special discount based on your membership, employment or affiliation with those organizations.