Auto Insurance for Students

Auto insurance for students can have vastly different rates depending age, gender, and driving record. Student auto insurance rates for a 17-year-old male can even be around $1083/mo. in some cases. The cheapest auto insurance for students can be found by shopping around and finding student car insurance discounts.

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Sara Routhier, Managing Editor of Features and Outreach, 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 worl...

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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: Aug 31, 2020

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A Concise Overview

  • Auto insurance rates for teen drivers are usually much higher than adult drivers’ rates.
  • Many auto insurance companies offer discounts for high school and college drivers.
  • Keeping a child on their parents’ auto insurance policy can help save money.

What is the best insurance for students? There are many factors that can affect coverage rates when trying to find auto insurance for student drivers, including age, gender, driving record, and more. Younger drivers usually have increased rates, but it is important to know how to buy auto insurance for everyone in your family.

It is equally important to determine what type of auto insurance policy is needed. Minimum coverage can differ from state-to-state, and you should be informed about all types of coverage. There is no easy answer to the question, “What is the best auto insurance for students?”

Though rates can be expensive, full-time student car insurance can come with many student car insurance discounts for both high school and college students. Still, it can take hours to research and find affordable student auto insurance. Use our helpful comparison tool and easily get student car insurance rates.

Types of Auto Insurance for Students

When looking for auto insurance for students, its important to understand the basics. What is the best car insurance for a college student? This depends on your needs and wants, but having a good basic policy is always a good idea.

Basic auto insurance policies can differ depending on where you live and the insurance company you go with. However, many basic policies come with liability car insurance, uninsured/underinsured motorist coverage, personal injury protection, medical payments coverage, collision insurance, and comprehensive insurance.

You may decide to get extended coverage as well, which can include rental reimbursement, guaranteed auto protection, roadside assistance, and more. Be sure to ask your auto insurance company about the types of additional coverage they offer.

Another important thing to consider when deciding on a coverage policy is the deductible you will pay. The deductible is the percentage of repair costs you pay before insurance kicks in and pays the rest. These deductibles are something you will want to discuss with your provider, as no one wants to have a high surprise deductible after being in an accident.

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Cost of Auto Insurance for Students

What is the cheapest car insurance for students? Cheap auto insurance for students can sometimes be difficult to find. As mentioned above, auto insurance rates may differ greatly depending on many things.

Major factors will likely include age and gender. According to the Insurance Information Institute, teenage drivers are usually charged the highest insurance rates based on age. Rates can be even more expensive for men, as they are considered to be more at-risk drivers.

The following chart further details how age and gender can affect insurance rates.

Average Annual Auto Insurance Rates by Age and Gender
CompaniesSingle 17-Year-Old Female RatesSingle 17-Year-Old Male RatesSingle 25-Year-Old Female RatesSingle 25-Year-Old Male RatesMarried 35-Year-Old Female RatesMarried 35-Year-Old Male RatesMarried 60-Year-Old Female RatesMarried 60-Year-Old Male Rates
USAA$4,807.54$5,385.61$1,988.52$2,126.14$1,551.43$1,540.32$1,449.85$1,448.98
Geico$5,653.55$6,278.96$2,378.89$2,262.87$2,302.89$2,312.38$2,247.06$2,283.45
Nationwide$5,756.37$7,175.31$2,686.48$2,889.04$2,360.49$2,387.43$2,130.26$2,214.62
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Farmers$8,521.97$9,144.04$2,946.80$3,041.44$2,556.98$2,557.75$2,336.80$2,448.39
Progressive$8,689.95$9,625.49$2,697.73$2,758.66$2,296.90$2,175.27$1,991.49$2,048.63
Allstate$9,282.19$10,642.53$3,424.87$3,570.93$3,156.09$3,123.01$2,913.37$2,990.64
Travelers$9,307.32$12,850.91$2,325.25$2,491.21$2,178.66$2,199.51$2,051.98$2,074.41
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
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As you can see, even the difference in rates between 17-year-olds to 25-year-olds is vast. Car insurance for teens is very expensive. This is why it is sometimes harder to find cheap car insurance for high school students.

Other factors that may influence auto insurance rates are ZIP code and the make and model of the vehicle being insured. Use our auto insurance calculator to determine how much you should be paying for car insurance as a student and compare rates.

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Auto Insurance for College Students

When looking for auto insurance for college students, it is important to determine whether your child could or should stay on your policy. As long as they are a full-time student, they will be able to stay on your auto insurance policy even if they are in another state. Auto insurance for students away at college can usually remain with their parents.

Car insurance for college students away from home is even cheaper if they do not take the car along with them.

Discounts for Students

If you are worried about the potential costs of auto insurance for students, you will be happy to know there are many available discounts. Geico offers students away at collage discounts to help student drivers save, and Geico quotes are often lower. The following video explains more.

Students of all ages may qualify for a “good grade discount,” which provides lower rates for students that do well in school. The requirements for this discount can differ between insurance companies, but for the most part, they are reserved for students with a 3.0 GPA or higher.

Students going to school far away from home may qualify for the resident student discount. This applies to students going to school over 100 miles from home and can allow parents to save around 35 percent on rates. Do college students get discounts of car insurance? Yes – they can get the same discounts as high school students.

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What about international students?

Auto insurance for international students can be easily found by contacting the school in which you are attending. The case may be different for American students going to a foreign country, though your best resource would still likely be the school that you are attending. For example, information on auto insurance for students in Ontario can likely be found by calling one of the province’s universities.

Anyone looking for an auto insurance worksheet for students can check out the Griffith Foundation, which has many to choose from.

Now that you know more about auto insurance for students, use our FREE comparison tool below to find the cheapest auto insurance for students.

References:

  1. https://www.iii.org/fact-statistic/facts-statistics-teen-drivers
  2. https://www.griffithfoundation.org/curriculum-online/auto-insurance/auto-insurance-60-minutes

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