Heading Back to School? Check Your Teen and College Driver Auto Insurance in Spokane
As school starts in Spokane, WA, families with student drivers should review their coverage. Ensuring you have the right teen and college driver auto insurance Spokane protects your family, saves money, and gives you peace of mind as your teens hit the road or head off to college.
Teen and College Driver Auto Insurance Spokane: What Families Should Know
- Higher Premiums, Higher Risk
Teen drivers (ages 16–19) have the highest accident rates. Adding them to your policy can increase premiums, but having the right teen and college driver auto insurance Spokane keeps your family protected. - Keep Teens on Your Policy
In Washington, adding your teen to your policy is usually cheaper than creating a separate one. - Discounts for Students
- Good Student Discount: Maintain a B average or better to qualify.
- Distant Student Discount: If your teen is away at college and not regularly driving your vehicle, you could save on premiums.
- Usage-Based Programs
Programs like Progressive’s Snapshot® or Safeco’s Right Track reward safe driving habits with discounts, making your teen’s policy more affordable.
College Student Auto Insurance Spokane: Off-Campus Considerations
- Distant Student Discounts
Teens attending college over 100 miles away and not using your car regularly may qualify for a discounted rate. - Location Matters
Premiums may vary depending on the college’s ZIP code. Urban campuses or areas with higher accident rates could increase costs. - Adjusting Coverage
For older vehicles, consider dropping collision or comprehensive coverage if appropriate. Make sure you’re comfortable with the potential risk.
Liability Considerations for Spokane Student Housing
- Beyond Auto Insurance
If your college student lives in off-campus housing, personal liability exposure increases. Your auto policy alone may not cover certain incidents near the rental property. - Increase Protection
Washington’s minimum liability coverage is 25/50/10 (in thousands), which may not be enough for serious accidents. Consider increasing limits to 100/300/100 or adding an umbrella policy for extra security.
Back-to-School Insurance Checklist for Spokane Families
- Add your teen driver to your auto policy – Cheaper than a separate policy.
- Ask about “Good Student” and “Distant Student” discounts – Can lower premiums significantly.
- Consider usage-based insurance programs – Rewards safe driving with savings.
- Adjust coverage if appropriate – For example, drop collision on older vehicles.
- Increase liability limits or add an umbrella policy – Extra protection for severe accidents.
- Partner with North Town Insurance – Local expertise and personalized support for Spokane families.
Final Thoughts
Heading back to school in Spokane? Now is the perfect time to review your teen and college driver auto insurance Spokane. North Town Insurance is ready to help families get the right coverage, save money, and ensure peace of mind. Make this school year safer and stress-free for your student drivers.l or moving into off-campus housing, now’s the time for an insurance check-up. North Town Insurance in Spokane is ready to help families secure smart, cost-effective auto protection—so you can focus on the school year ahead with confidence.
Need a policy review or a summer coverage checkup?
Call us today at (509) 483-3030 or visit northtowninsurance.com to get started.
Read the August 2025 Edition of our Newsletter: Your Source for the Latest Insurance Industry Insights
Fine Print: This is a general overview with the intention of bringing awareness to coverage options and general industry standards. Coverage varies between carriers and states. Check your policy for specifics.