Car Insurance for Students
Students’ car insurance rates are determined by many factors, such as their age and whether they live at home. The discounts they qualify for can also mean they pay less than other drivers. Student car insurance discounts can be as high as 15% from companies like GEICO. You can pay less for student car insurance if you take driving lessons, keep up your grades, or go to an out-of-state school.
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Written by
Chris Tepedino
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Reviewed by
Laura Walker
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UPDATED: Apr 6, 2022
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- Student car insurance can be more expensive, as younger drivers are seen as riskier by insurance companies
- There are many discounts available if you know where to look and train to be a better driver
- Doing well in school can save you money on car insurance
- Students going to school out of state can pay less for car insurance
Insurance companies can charge a lot for young drivers. And if you’re in college, you’re already paying through the nose for your tuition, housing, books, and more. As a result, car insurance for students can be challenging.
Are you looking for info on pricing, possible discounts, and more? This guide will help you find the top student car insurance at a reasonable price.
You don’t even have to have to wait to buy student car insurance. Get student car insurance quotes for free right now by entering your ZIP code into our comparison tool.
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Auto Insurance for Students
Tuition is only one of the major costs associated with college. You (or your parents) may be looking for ways to save money on many expenses, including car insurance.
It’s critical to get affordable car insurance, but it’s also important to obtain the proper coverage. Here are some of the things you should know.
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Are there student car insurance discounts?
Car insurance companies offer student discounts based on several factors. The main thing these factors have in common is that they lower the student’s risk.
There are auto insurance discounts for students for taking a driver’s education course or defensive driving classes. There’s also a distant student discount for students going to school far away from their parents’ home, which means they will probably drive the car less.
Good Student Discounts
One of the most important discounts to know about is the good student car insurance discount. In order to qualify, you have to be doing well in school. Take a look at which car insurance companies offer this discount.
| Company | Good Student Discount and Discount Amount |
|---|---|
| Allstate | Yes, Varies |
| American Family | Yes, Varies |
| Amica | Yes, Varies |
| Erie | No |
| Farmers | Yes, Varies |
| Geico | Up to 15% |
| Liberty Mutual | Yes, Varies |
| National General | No |
| Nationwide | Yes, Varies |
| Progressive | Yes, Varies |
| State Farm | Up to 25% |
| Travelers | Up to 8% |
| USAA | Yes, Varies |
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What are the best student car insurance companies?
There’s probably no such thing as the best student car insurance company overall, but you can find the company that’s best for you by shopping around and getting free insurance quotes online.
Many major companies offer discounts and special rates for students. These include GEICO, Progressive, and many more. They each have special rules for eligibility on student car insurance.
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Student Car Insurance Rates
It can be hard to figure out exactly how much you should pay for student car insurance.
Managing college costs is an important part of budgeting for any student. Not all students will pay the same amount for car insurance.
For example, younger drivers pay more than older drivers. If you’re an 18-year-old freshman in college you’ll pay much more than a more mature 25-year-old student. It’s simple: insurance companies see younger drivers as riskier.
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Whether you’re a student with a car on campus or your child is, consider the tips below to save money on student car insurance.
- Stay on your parent’s policy
- Get a discount if your college is far away
- Get a good student discount (see above)
- Compare insurance companies to get the best deal
Shopping around and comparing prices is one of the best ways to save money on car insurance. It’s such a competitive business that it’s essential to get different quotes to be sure you’re getting the most affordable student car insurance.
Enter your ZIP code into our free tool and you’ll get the best auto insurance rates for students from the top companies in your area.