Affordable Car Insurance for Students

Affordable car insurance for students can be harder to find due to the high risk associated with the age group. Lower your student car insurance rates by obeying traffic laws, building a good credit score, and minimizing unimportant driving. Some insurance companies also offer discounts for student drivers to lower costs. If you need coverage for a student driver, enter your ZIP code below to start comparing free affordable auto insurance quotes for students.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 9, 2020

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Every driver must be insured. Younger people, specifically students are typically classified by insurance companies as being higher risk, so the majority of car insurance companies charge them much higher rates. Many students find it less expensive to remain on their parents’ insurance plan. However, if a student attends a school that is out of town, this is no longer an option. Students can benefit from obeying traffic laws, being careful about their credit score, and minimizing unimportant driving. By taking these steps, students can obtain more affordable insurance and save money in other ways.

There are several factors that can affect the insurance rates for young drivers including:

Insurance and Youth Risks

Anyone 25 or younger is considered to be an insurance risk by insurance carriers. Research has proven that this age bracket is more prone to driving accidents and to breaking minor traffic laws like speeding and not stopping at stop signs. Because of these factors, it is more expensive to insure younger people. Their insurance rates will usually not get lower until these statistics lessen.

Discounts Available for Good Grades

Getting good grades in school demonstrates that you are a trustworthy student. Maintaining a 3.0 or higher grade point average can help qualify you for discounts on your car insurance coverage. Provide your insurance provider with your most recent grades and be sure to submit new grades as you receive them.

The Importance of Building Good Credit

Everyone, students included, can learn to better manage their credit scores. Your first credit transactions mark the beginning of your credit scores. These initial credit purchases can be credit card purchase or perhaps buying an automobile. Keeping a good credit score is very important, as banks and insurance companies will check your scores to determine whether or not to give you loans or to provide low cost insurance to you. Maintaining a high credit score will assist you when it comes time to buy insurance. Beside that, a good credit score is important to your future.

Reduce Your Driving Mileage to Lower Rates

Some regions make pay per mile insurance available to drivers that do not often drive far. If pay per mile is not available where you live, be sure to give an account of your mileage to your insurance company and inquire if they have any low mileage discounts available.

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