Auto Insurance for Drivers with Associate’s Degrees

Auto insurance rates for drivers with an associate's degree can be cheaper than those with no degree. Some insurers offer discounts for recent graduates although many require bachelor's degrees. After you get your associate's degree, your new job may offer additional auto insurance discounts with a specific company.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Sep 8, 2021

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A Concise Overview

  • Auto insurance for drivers with associate’s degrees can have discounts from insurance companies in some states
  • Once you get your degree, your new employer may offer additional auto insurance discounts
  • Overall, those with more advanced degrees tend to pay less for auto insurance

If you’re a recent graduate, you might wonder if there are discounts available on auto insurance for drivers with associate’s degrees. Graduating is a big milestone that offers many benefits on auto insurance coverages.

It’s not unreasonable to want auto insurance discounts for graduates. We’ll highlight the best auto insurance for associate degree program graduates, student and alumni discounts, and more.

We’ll provide you everything you need to save on auto insurance for drivers with an associate’s degree. Before learning more, enter your ZIP to get instant rates from top insurance companies near you.

Is auto insurance for drivers with associate’s degrees cheaper?

Purchasing auto insurance can be a grueling process. At the end of the day, many people purchase a policy they might not even use, assuming they don’t get into any accidents.

For those who have been working hard to obtain an associate’s degree, it would be nice to know that you’ll be rewarded by insurance agencies for your improved education.

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Does your level of education impact your auto insurance rates?

Does my education level affect my auto insurance? Education level can affect your auto insurance rates both directly and indirectly. There are correlations between education levels and auto insurance rates.

Why does education matter? Education matters for multiple reasons. For starters, there appears to be a relationship between education level and the likelihood of making an insurance claim.

Auto insurance companies want low-risk drivers that make the fewest amount of claims possible, according to the National Association of Insurance Commissioners. This is the direct relationship between auto insurance rates and education level.

Geico Average Auto Insurance Rates by Occupation
OccupationGeico Average Monthly RatesGeico Average 6-Month RatesGeico Average Annual Rates
Admin. Asst. / Secretary$151.00$906.00$1,812.00
Machine Operator$165.33$992.00$1,984.00
Professor
with a College Degree
$71.68$430.10$860.20
Sales / Real Estate$157.98$947.90$1,895.80
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As an example, the table above shows how a degree could potentially impact your auto insurance rates. A professor would likely need a college degree whereas jobs like administration and sales might not.

Keep in mind that some companies and states will weigh education levels differently during the underwriting process. This is why it becomes increasingly important to compare auto insurance quotes for drivers with an associate’s degree.

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In recent years, there have been some changes surrounding education level and insurance. For example, certain states have tried to prevent auto insurance companies from using your education as a rating element.

As of now, education level is an optional rating element that insurers may or may not use directly.

How to Save on Auto Insurance for Drivers with an Associate’s Degree

If you’re looking to save money on auto insurance after graduating, there are a few options. Once you graduate, your next step will guide you to relevant discounts.

If you decide to pursue further education, there are some discounts on auto insurance for students that you should look into. Many will have specific stipulations, such as a GPA requirement.

Continuing your education has associated rewards relating to auto insurance discounts. While an associate’s degree is a great achievement, many insurers won’t offer major benefits until you earn a bachelor’s degree.

For those with a bachelor’s degree, you could be eligible for a Further Education discount.

Auto Insurance Discounts Offered by the Top 10 Auto Insurance Companies
CompaniesAverage Annual RatesAnti-Theft Discount (up to 25% off)Defensive Driving Discount (up to 10% off)Further Education Discounts (up to 15% off)Annual Rates with Discount(s) Applied
Allstate$4,898$1,225$490$735$2,449
American Family$3,443$861$344$516$1,722
Farmers$4,189$1,047$419$628$2,094
GEICO
$3,216$804$322$482$1,608
Liberty Mutual$6,096$1,524$610$914$3,048
Nationwide$3,447$862$345$517$1,723
Progressive$4,044$1,011$404$607$2,022
State Farm$3,268$817$327$490$1,634
Travelers$4,445$1,111$444$667$2,222
USAA$2,542$635$254$381$1,271
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The sample auto insurance rates above are just an example of how much you could save by continuing your education.

If you decide to pursue a new job with your degree, there are some auto insurance discounts for recent graduates. A new graduate discount is available with auto insurance companies like Liberty Mutual.

With your new job, it’s possible that you’ll be eligible for even more auto insurance discounts. Many employers offer benefits that can include discounts with specific auto insurance companies.

Employers and related organizations often do offer small discounts on insurance products, not limited to auto insurance. This is one way how to get lower rates on auto insurance with or without a degree.

Auto Insurance for Drivers With Associate’s Degrees: The Bottom Line

Finding affordable auto insurance for drivers with an associate’s degree shouldn’t be a major challenge. You’ll want to look for new graduate discounts, employer discounts, and compare rates from multiple companies to get the best rates on car insurance for drivers with an associate’s degree.

To find auto insurance quotes for drivers with associate’s degrees, enter your ZIP code below to check out companies near you.

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