How car insurance works for college students—family policies, student discounts, cars on campus and out-of-state rules.

Glossary term

Household member

Household member: A person living at the insured address. A dependent student away at school typically still counts.

Where this term matters

Guides and entries on this site that use the term.

Guide

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.