Many insurers offer discounts for young drivers on a policy who are also good students. In most states, you'll get a discount of around 10% * on your Progressive car policy if your child is a full-time student, under 23 years old, and has a B average or better. Car insurance rules don't change if you're an 18-year-old living at home, a 19-year-old college student, or an adult living with your parents. Request a car insurance quote online or call 1-866-749-7436 and we'll ask you the right questions to properly insure your college student.
Most states allow college students from other states to remain on their parents' car insurance if their primary address is still the parents' residence. Cost savings are one of the reasons why most parents keep their college age students on their car insurance policy. For example, if you're starting with home insurance, you can add car insurance or any other policy later so you can qualify for Progressive's multi-policy discount. The exact amount of Progressive's ongoing insurance discount varies for each customer, depending on how long they have maintained the insurance without interruptions or cancellations, as well as other factors, such as where they live and their driving history.
Through its ongoing insurance discount program, Progressive offers an incentive to drivers who have been responsible and have maintained uninterrupted auto insurance coverage. Fortunately, there are plenty of ways students and teen drivers can save with discounts on car insurance in Progressive. Customers in California and New York cannot get this discount due to state laws on factors that auto insurance companies can use to set rates and discounts. If you add a student who maintains a “B” average or better to your policy, we'll add a discount on car insurance.
A teen driver must have car insurance in almost every state, so you can add it to your policy or insure it with a standalone policy. An auto insurance policy for a 16-year-old driver who just received their license is likely to be more expensive than a policy for an 18-year-old with more driving experience. Some insurers also offer remote student discounts for college students who go to school and don't take a car. Getting car insurance for a young driver can be expensive due to their lack of driving experience, so a separate policy may not be the best option.
Progressive loyalty discounts are for customers who purchase more than one policy, such as insuring multiple cars or buying both home and car coverage.