Glossary term
Garaging address
Garaging address: Where the car is kept overnight most of the year; sets the rating territory. Must be the campus address if the car is at school.
Where this term matters
Guides and entries on this site that use the term.
Guide
Staying on Your Parents' Car Insurance in College
The rules for remaining on a family policy as a college student—permanent address, car ownership, distance—and why it is usually the cheapest option.
Guide
Taking a Car to College: Insurance Changes
What changes when a student takes a car to school—garaging address, territory, campus parking risk, comprehensive coverage, and who else may drive it.
Guide
Car Insurance for Out-of-State College Students
How insurance works when a student attends college in another state—keeping the home policy, coverage minimums, registration questions, and when a separate policy is needed.
Guide
How to Compare Car Insurance as a College Student
A comparison method for students and their families: decide parents' policy vs own first, fix coverage, apply student discounts, use the right garaging address, and gather several quotes.
Entry
Car Insurance After Graduation: A Checklist
What changes when a student graduates—leaving the family policy, losing student discounts, new address and job—and how to make the transition without a lapse or overpaying.
Entry
Out-of-State College Student Car Insurance: Rules and Coverage Guide
Understand out-of-state car insurance rules for college students, including garaging address updates, state minimum liability changes, and multi-state rating rules.