Auto Insurance for Drivers with Bachelor’s Degrees

Drivers with a bachelor's degree can easily obtain cheap car insurance quotes online. Your bachelor's degree auto insurance rates will be low if you only purchase minimum liability insurance, but it won't get you full coverage. Shopping for free insurance quotes online is a great way for drivers with their bachelor's degree to secure the best coverage.

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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: Aug 18, 2021

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A Concise Overview

  • Drivers with a bachelor’s degree can find cheap car insurance quotes online
  • Liability insurance is cheaper, but it doesn’t provide you with full coverage
  • Personal factors like your age and gender will determine your auto insurance rates

Getting auto insurance for drivers with a bachelor’s degree is easier than you may have thought. If you have your bachelor’s degree, affordable auto insurance can be had from any major insurance company in the market.

You can even request auto insurance quotes for bachelor’s degrees online at your convenience. If you’re a safe driver, you may have known that your rates could be cheaper, but did you know that your degree can actually help you obtain lower rates as well?

If you have a bachelor’s degree, enter your ZIP code into our free tool above to get free bachelor’s degree auto insurance quotes from companies near you.

How can drivers get cheap auto insurance rates with a bachelor’s degree?

The monthly average rate for auto insurance is $124, but with your bachelor’s degree, auto insurance rates can be quite inexpensive.

Auto insurance discounts for bachelor’s program graduates abound at most insurance companies, and, more importantly, the savings they provide are nothing to sneeze at.

Here’s a breakdown of some of the more common discounts you’ll come across:

Auto Insurance Safety Feature Discounts by Company
DiscountsAllstateAmerican
Family
FarmersGeicoLiberty
Mutual
NationwideProgressiveState
Farm
TravelersUSAA
Adaptive Cruise Controlxxx
Adaptive Headlightsxxxx
Anti-lock Brakesxxxxxxxxxx
Daytime Running Lightsxxxxxxxxx
Driving Device/Appxxxxxxxxx
Electronic Stability Controlxxxxxx
Forward Collision Warningxxx
Lane Departure Warningxxx
Passive Restraintxxxxxxxxxx
Seat Belt Usex
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You can also use your buying power to save you money if you only purchase liability insurance. Bear in mind, that while liability-only auto insurance will lower your rates, it will not provide you with full coverage if you were to be in an accident or collision.

Liability coverage only protects you from any legal struggles you may encounter if you were to hurt another driver while out on the road. You should buy full coverage auto insurance so if you want to be fully protected and keep your peace of mind when you drive.

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How much is full coverage car insurance for drivers with their bachelor’s degree?

The cost of full coverage auto insurance will change from driver to driver; this variation in rates all comes down to you as an individual.

If you have a bachelor’s degree, an auto insurance company will ask you to share personal information like your age, gender, credit score, claim history, gender, home state, and more when you fill sign up for free quotes online.

Now, insurance companies consider your location to be incredibly important when calculating your rates. Even if you have an amazing credit score and little to no claims, living in an area that has a high amount of accidents can mean that your rates will be higher.

Curious about the average rates in your state? Take a look at this more in-depth breakdown below:

Geico Availability and Average Rates by State & Annual Premiums by State
StateAverage by StateGeico Annual Premiums by StateHigher/Lower than AverageHigher/Lower than Average %
Alabama$3,567$2,867-$700-19.63%
Alaska$3,422$2,880-$542-15.83%
Arizona$3,771$2,265-$1,506-39.94%
Arkansas$4,125$3,485-$640-15.52%
California$3,689$2,886-$803-21.78%
Colorado$3,876$3,092-$785-20.24%
Connecticut$4,619$3,074-$1,545-33.45%
Delaware$5,986$3,727-$2,259-37.74%
District of Columbia$4,439$3,693-$746-16.81%
Florida$4,680$3,784-$897-19.16%
Georgia$4,967$2,977-$1,990-40.06%
Hawaii$2,556$3,359$80331.43%
Idaho$2,979$2,771-$208-7.00%
Illinois$3,305$2,779-$526-15.92%
Indiana$3,415$2,261-$1,154-33.79%
Iowa$2,981$2,296-$685-22.98%
Kansas$3,280$3,221-$59-1.80%
Kentucky$5,195$4,634-$562-10.81%
Louisiana$5,711$6,155$4437.76%
Maine$2,953$2,823-$130-4.41%
Maryland$4,583$3,833-$750-16.37%
Massachusetts$2,679$1,510-$1,169-43.63%
Michigan$10,499$6,430-$4,069-38.75%
Minnesota$4,403$3,499-$905-20.55%
Mississippi$3,665$4,087$42311.53%
Missouri$3,329$2,885-$444-13.33%
Montana$3,221$3,602$38211.84%
Nebraska$3,284$3,837$55416.87%
Nevada$4,862$3,662-$1,200-24.67%
New Hampshire$3,152$1,615-$1,537-48.76%
New Jersey$5,515$2,755-$2,760-50.05%
New Mexico$3,464$4,458$99528.72%
New York$4,290$2,428-$1,862-43.40%
North Carolina$3,393$2,937-$456-13.45%
North Dakota$4,166$2,668-$1,498-35.95%
Ohio$2,710$1,867-$843-31.09%
Oklahoma$4,142$3,437-$705-17.02%
Oregon$3,468$3,220-$248-7.14%
Pennsylvania$4,035$2,605-$1,429-35.43%
Rhode Island$5,003$5,603$59911.98%
South Carolina$3,781$3,178-$603-15.95%
South Dakota$3,982$2,940-$1,042-26.17%
Tennessee$3,661$3,283-$377-10.31%
Texas$4,043$3,263-$780-19.29%
Utah$3,612$2,966-$646-17.89%
Vermont$3,234$2,196-$1,038-32.11%
Virginia$2,358$2,062-$296-12.57%
Washington$3,059$2,569-$491-16.04%
West Virginia$2,595$2,121-$475-18.29%
Wisconsin$3,606$3,926$3208.88%
Wyoming$3,200$3,497$2969.26%
Median$3,661$3,074-$587-16.04%
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If you want full coverage, but are dismayed at the price tag, inquire after usage-based insurance programs. These can help you secure the coverage you want at the price you need.

To get the best car insurance rates for drivers with their bachelor’s degree in your city, request free car insurance quotes from nearby companies; get at least three quotes for the same car and coverage in order to be sure you have the information you need to make an informed decision.

How can drivers with a bachelor’s find the best auto insurance company?

If you have your bachelor’s degree, an auto insurance company that is perfect for you is easier to find than ever. Utilize free tools online so you find the best insurance company that fits your needs while you’re at home or on the go.

For drivers with their bachelor’s degree, buy auto insurance that fits your needs and your budget. If you want to keep your insurance rates low, ask insurance companies about the discounts they offer and if they can be applied to your quote.

Here is a list of common discounts offered by the most popular car insurance companies:

Types of Auto Insurance Discounts Available
Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hyrbid VehicleOnline ShopperNon-smoker/Non-drinker
Lane Departure WarningOn-Time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer
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Car insurance discounts can vary by company as you can see, so ask about which ones you qualify for before you buy auto insurance.

Auto Insurance for Driver’s with Bachelor’s: The Bottom Line

If you have your bachelor’s degree, you don’t have to blindly sign on the dotted line when you need car insurance. With the push of a button, you can discover the average auto rates for your age group, which company provides the best customer service, and more.

Even better, you can request free quotes for drivers with their bachelor’s degree from multiple companies in order to see how each one stacks up against the competition.

Make sure that every discount you qualify for is being added to your quotes. While the best thing you can do to keep your rates low is to avoid accidents and filing a claim, every bit counts when it comes to racking up savings.

Don’t delay when it comes to obtaining the best insurance company for you. Enter your ZIP code below to receive free auto insurance quotes for drivers with their bachelor’s degree today.

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