College students bring multiple insurance options depending on where they're going to school and whether they take a car.
Student-away-at-school discount
If your student attends college 100+ miles from home and doesn't take a vehicle, most carriers offer a 15–30% discount on their portion of the policy.
Out of state with a car
If the student takes a car to a school in another state, the garaging address changes — and so does the rating. Confirm with your carrier whether your Texas policy still applies.
Frequently asked questions
Should I keep my college student on my policy?
Usually yes — they're still a household member when home.
What if my student moves out of state for college?
Update garaging address; sometimes a new policy in that state is needed.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.