Cheapest Auto Insurance For Students - Finding student car insurance can be difficult given the high rates for young drivers and the unique needs of students. To make the process easier, we've compiled a list of the best student car insurance companies based on several criteria, including cost, available discounts, and more.
We've collected tens of thousands of auto insurance quotes from every zip code in Texas to find the lowest rates. The rates were for new drivers aged 16, 17, 18, 21, 25, 35, 45 and 55, and for a 16-year-old on both parents' 50-year-old policies.
Cheapest Auto Insurance For Students
Geico's low rates and many discounts make it the best cheap student car insurance company.
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Geico also offers discounts to members of college-oriented groups such as alumni associations, fraternities and sororities. So if you're a college student working on campus, chances are you can get discounted car insurance rates. Get an online quote by clicking above or talk to an insurance agent to see if you qualify.
State Farm offers all of its customers access to a long list of auto insurance discounts, but some of the best are reserved for student drivers.
The National Health Student discount offers up to 25% annual savings on car insurance for eligible students. The exact requirements vary by state, but in general, a driver must be a full-time student and have a GPA of at least 3.0 (out of 4.0). Fortunately, the discount is valid until the driver turns 25, even if they finish college before then.
State Farm's student discount is great for students who live on campus and don't need a car. Offers savings to drivers who live more than 100 miles from home and keep their car at home. To qualify for the discount, students may only drive during holidays or vacations.
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The State Farm Steer Clear program offers all drivers under the age of 25 an opportunity to save money on their auto insurance. The program allows drivers to review and improve their driving skills through learning materials and self-recording of important events that occur during journeys. If there are no violations or accidents during their trips, they qualify for a discount.
Metromile is a great insurance company for students who rarely drive but still want the convenience of having their own car while in school.
Metromile's quote system allows drivers to enter their current car insurance premiums so they can compare and see if switching companies makes sense. Your monthly premium will be the base cost plus the mileage charge, which means less driving means less insurance costs. Metromile claims that if you drive less than 12,000 miles per year, which is the national average, you'll save money with its insurance.
Metromile does not charge policyholders for trips over 250 miles per day, depending on the state. College students or new drivers may see this as limiting the amount they can charge if they decide to drive home or go on a trip. In New Jersey, Metromile does not charge drivers more than 150 miles per day.
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Metromile is currently only available in eight states: Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington. If Metromile isn't available where you live, ask your insurance company about the low-mileage discount that most car insurance companies offer.
Students are often on the go and need an insurer with reliable mobile apps. Allstate offers two drivers: Allstate Mobile and QuickTrip.
Allstate Mobile allows users to access their plan information, manage claims and instantly connect with an insurance agent. You can submit a claim right from the app, which we think is the best part. This saves you long phone calls during what is usually a busy time.
Allstate's QuickTrip app is a trip optimizer that saves time and mileage. Drivers can enter as many locations as they want, and the app will find the optimal route with multiple stops throughout the day. This is a great added benefit for students, especially those with busy schedules.
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While Allstate offers great mobile apps, it also has an extensive network of agents who can answer your questions in person. This can be a great advantage for students who are not familiar with the nuances of their auto insurance policies.
Students should remember, however, that Allstate policies are typically among the most expensive of the major insurers. Consequently, student drivers must think carefully about how they prioritize, balancing service quality and cost.
Allstate has approximately 12,000 exclusive agencies nationwide, which means there's likely to be one near you. After all, Allstate offers a great mobile experience and doesn't skimp on personal support.
If you're a college student with a car on campus or the parent of one, consider the methods listed below as ways to save money on student car insurance.
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It should also be recognized that not all students will pay the same amount for car insurance, as young drivers tend to pay more than older drivers. For example, an 18-year-old student will likely pay much more than a 25-year-old.
Having a student on a parent's policy should generally result in lower car insurance costs for the family compared to having the student purchase a separate policy, especially if other family members have good driving records. Auto policies in parents' names tend to cost less because the parents are likely to have a longer tenure with the insurance company.
The downside, however, is that a college student with a family policy can raise the stakes for parents if they have trouble while driving. We recommend that you look up the prices for an individual student policy and the prices for adding (or maintaining) a family policy.
If students move away from home to attend college, their insurer may require them to purchase an individual policy. While some companies are more flexible with young drivers following their parents' policies, it's still important to be transparent. If you make a claim on your parents' policy and your insurer doesn't yet know you've moved, they may reject your claim or even cancel your cover. Therefore, it is usually best to discuss your options with your carrier.
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If your child attends college more than 100 miles from home without a car, you may be able to qualify for either a departure from home discount or drop the student from the family policy for the duration of the student's absence.
A student can still drive during spring and winter breaks, as long as they don't drive more than a certain number of days in a row, as stipulated by the insurance company. Also, since the student is now driving less or not at all, you may be eligible for an additional premium reduction based on reduced mileage.
According to insurance companies, good students drive better and this is usually reflected in car insurance rates. Most major insurance companies will reduce insurance premiums for school or college students who meet any of the following requirements:
It's best to ask your insurance company about discounts they can offer students for good grades.
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One of the best ways to save money on car insurance is to shop around and compare rates. Auto insurance is a very competitive industry and there can be many competitors in any field. So it's best to take your time collecting estimates to make sure you're getting a fair deal.
Compare the quotes you get with the average cost of car insurance in your state to get an idea of the price you're paying.
Geico has the best average rate for college drivers at $388 per month. But State Farm has better discounts, including discounts for good grades and driver's education, as well as off-road discounts.
The average 18-year-old student pays about $598 per month for car insurance if they have their own policy and bring their car to campus. But you can lower your rates by sharing a policy with your parents or by qualifying for discounts like good grades.
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We've compiled auto insurance quotes for thousands of zip codes in the 10 most populous US states. Our driver samples consisted of 18-year-old males and females driving a 2015 Honda Civic EX. All other parameters affecting auto insurance rates remained unchanged; the drivers were single and had a clean driving record.
The levels of coverage for a comprehensive coverage policy, including liability insurance, are listed below. These coverage levels are slightly higher than any individual state's minimum coverage requirements:
The review included 23 insurance companies, but rates were added to our list of average prices and recommendations only if their policies were available in at least three of the 10 states.
The analysis used insurance rate data from Quadrant Information Services. These rates have been publicly obtained from insurers' records and should be used for comparison purposes only - your own rates may vary.
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To get an insurance quote over the phone, call: (855)
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