Auto Insurance for Drivers with No High School Diploma
Auto insurance for drivers with no high school diploma can be more expensive due to the anticipated risks associated with a less educated driver. Finding affordable auto insurance for drivers with no high school diploma is possible when capitalizing on a variety of discounts. Auto insurance rates for those with a GED will be similar compared to those with a high school diploma.
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UPDATED: Aug 24, 2021
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- Auto insurance rates for drivers with no high school diploma might cost more than for high school graduates
- Even without a diploma, there are several discounts available on auto insurance
- Earning a GED can yield the same benefits on auto insurance as a high school diploma
Buying auto insurance for drivers with no high school diploma could mean an increase in price for some auto insurance coverages. Not everyone will graduate high school, but how will that affect their auto insurance rates?
Practically everyone would like to save money on auto insurance. We’ll talk about some ways to save, how your diploma affects your auto insurance, and any discounts you might be eligible for.
You’ll soon learn if there is affordable auto insurance for drivers with no high school diploma. For now, enter your ZIP to get personalized rates from the top auto insurance companies near you.
Auto Insurance for Drivers Who Did Not Finish High School
Just because you didn’t finish high school doesn’t mean you shouldn’t be able to save money on auto insurance. There’s a good chance you’ll still be working and driving with or without a high school diploma.
Graduating high school does have some benefits relating to auto insurance, but you could still be eligible for some benefits if you play your cards right, even without a high school diploma.
Does my education level affect my auto insurance?
As a general rule of thumb, policyholders will be more likely to get cheaper auto insurance quotes as they higher their education level. This can be true for all types of insurance.
Why does education matter? In short, insurers vary auto insurance rates based on assumed risk, according to the Insurance Information Institute. This is obvious when considering premium increases resultant from accidents or traffic violations.
As far as education is concerned, there are correlations between education level and decision-making. Those with less education are apparently more likely to take more risks while driving.
At the end of the day, if you don’t have a high school diploma, you can expect your based auto insurance rates to be a bit higher than someone who does have a diploma. It might not be much, but every bit counts.
How to Buy Affordable Auto Insurance for Drivers with No High School Diploma
When searching for the best auto insurance company for drivers with no high school diploma, there are tricks to know that can help.
For starters, there are many variables included when going through the auto insurance underwriting process. Your auto insurance rates will depend on things like age, driving history, vehicle safety, and so on.
The averages car insurance rates by age are already working against young adults or teenagers who dropped out of high school. Those aged 16-19 can expect to pay more for auto insurance.
In this case, remember that less driving experience relates to increased risk for the insurer and ultimately higher rates for you. Car insurance for drivers with no high school diploma can still be affordable.
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Every auto insurance company will price slightly different from the next. They also tend to accommodate different demographics. In this case, a company like Liberty Mutual could be best for young adults.
While a high school dropout might not be eligible for a good student discount, there are still plenty of other potential ways to save on auto insurance.
|Discount Name||Discounted Percentage|
|Affiliation or "affinity"||25%|
|Good or safe driver||20%|
|Usage or low-mileage||2%|
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Whether you’re 18 years old or 50 years old, auto insurance quotes for drivers with no high school diploma might be a touch more expensive than for those with a diploma. There are still plenty of ways to save on auto insurance.
As you can see above, little things like paying in full can earn you a notable discount on auto insurance. While you might not earn a student or alumni discount, your employer may offer an affiliation discount.
At the end of the day, there are options for saving money on auto insurance even without a high school diploma.
How does earning a GED affect auto insurance rates?
Auto insurance with a GED can be priced similarly to those with a high school diploma. Overall, auto insurance for drivers with a GED will pay less than those without one.
A GED can open up new opportunities for you both directly and indirectly. For example, it can help you earn direct discounts. Indirectly, you could become eligible for higher-paying jobs or jobs with greater benefits.
The cheapest insurance companies with a GED will most likely be those with the most discounts for young drivers, as listed above. Otherwise, capitalizing on a variety of other discounts will be key to cheap rates.
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Auto Insurance for Drivers with No High School Diploma: The Bottom Line
The most affordable auto insurance for drivers with no high school diploma will be through a company that offers a variety of discounts. If you don’t have a diploma but decide to earn a GED, you could save on auto insurance.
It’s important to compare before you buy auto insurance for drivers with no high school diploma. Enter your ZIP to compare rates from top auto insurance companies near you.