Good Auto Insurance For Young Adults - Finding auto insurance for college students 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 a variety of criteria, including price, available discounts, and more.
We've collected tens of thousands of auto insurance quotes for every zip code in Texas to find the lowest prices. The rates applied to new drivers aged 16, 17, 18, 21, 25, 35, 45 and 55, and to the 16-year-old on the policy of his two 50-year-old parents.
Good Auto Insurance For Young Adults
Geico's low prices and numerous discounts make it the best cheap auto insurance company for college students in our opinion.
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Geico also offers discounts to members of college-centric groups such as alumni associations, fraternities and sororities. So, if you're a college student in a university town, chances are you can get good discount auto insurance rates. Get a quote online by clicking above or talk to an insurance agent to see if you qualify.
State Farm offers all of its customers access to long auto insurance discounts, but some of its best are reserved for student drivers.
State Farm's Good Student Rebate offers eligible college students up to 25% annual savings on auto insurance. Entry requirements vary from state to state, but typically a driver must be a full-time student with a minimum grade point average of 3.0 (out of 4.0). Fortunately, the discount lasts until drivers turn 25, even if they graduate college before then.
State Farm's student off-campus discount is great for students who live on campus and don't need a car. This offers savings for drivers who live more than 100 miles from home and keep their car at home. To qualify for the discount, university students may only drive while on vacation or at home during vacation.
Car Insurance For College Students
State Farm's Steer Clear program offers all drivers under the age of 25 the opportunity to save money on car insurance. The program allows drivers to review and improve their driving skills with the help of educational materials and by recording important events that occurred during their journey. If there are no violations or accidents during the trip, they are entitled to a discount.
Metromile is a great insurance company for college students who rarely drive but still want the convenience of having a car while they attend school.
Metromile's quote system allows drivers to enter their current car insurance premiums so they can compare and see if it makes sense to switch companies. Your monthly insurance premium is made up of the base cost plus mileage, which means less driving equals lower insurance costs. Metromile claims that if you drive less than 12,000 miles a year, which is the national average, you'll save money with this insurance.
Metromile does not charge policyholders for driving more than 250 miles per day, depending on the state. College students or new drivers may see this as a limit on the amount they may be charged if they choose to drive home or take a road trip. In New Jersey, Metromile does not charge drivers for more than 150 miles per day.
Ask For Discounts To Lower Your Auto Insurance Premium Amount
Currently, Metromile is 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 for a low-mileage discount, which most car insurance companies offer.
College students are often on the go and need an insurer with strong 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 will save you from long phone calls, which are usually a stressful time.
Allstate's QuickTrip app is a trip optimizer that saves time and miles. Drivers can enter as many locations as they want to visit and the app will find the optimal multi-stop route for the day. This is a great added benefit for college 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 huge benefit to college students who may not be familiar with the nuances of their auto insurance policies.
But college students should note that Allstate policies are typically the most expensive among major insurers. As a result, student leaders must carefully consider how they prefer to balance service quality and cost.
Allstate has approximately 12,000 exclusive agencies across the country, meaning there's likely one near you. Ultimately, 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 a parent, consider the methods listed below to save money on student car insurance.
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It's also worth understanding that not all college students pay the same amount for car insurance, as younger drivers tend to pay more than older drivers. For example, an 18-year-old college student is likely to pay significantly more than a 25-year-old.
Having a college student on their parents' policy should generally lower the cost of car insurance for the family compared to purchasing a separate policy for the student, especially if other family members have good driving records. Car policies in a parent's name tend to be cheaper because the parents are likely to have a longer history with the insurance company.
But the flip side is that a college student with a family policy can drive up the parents' rates if they get into trouble behind the wheel. We recommend researching the prices of an individual student policy and the prices of adding to (or maintaining) a family policy.
If students move away from home for university, their insurer may require them to purchase an individual policy. While some companies are more flexible about young managers sticking to their parents' policies, it's still important to be transparent. If you make a claim on your parents' policy and your insurer didn't already know you'd moved out, it could reject your claim or even cancel your cover. Therefore, it is usually best to discuss your options with your service provider.
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If your child is studying more than 100 miles away from home without a car, you may be eligible for an away-from-home discount or be removed from the family policy while the student is away.
The student can also drive the car during the spring and winter breaks, provided that he does not drive for more than the number of days specified by the insurance company. Additionally, if the student drives less or not at all, you may be eligible for an additional premium reduction based on reduced mileage.
Good students drive better, according to insurance companies, and this is usually reflected in car insurance rates. Most major insurance companies discount premiums for full-time high school or college students who meet any of the following conditions:
It's best to ask your specific insurance company about discounts they may offer college students for good grades.
Pay Less For Car Insurance For Teens & New Drivers
One of the best ways to save money on car insurance is to shop around and compare rates. Auto insurance is a highly competitive industry and there can be many competitors in any given area. So it's better to take the time to collect quotes to get a fair deal.
Consider comparing the quotes you get to the average cost of auto insurance in your state to get an idea of the price you'll pay.
Geico has the best average price for college age drivers at $388 per month. But State Farm has the best discounts, including discounts for good grades and driver's education, as well as out-of-school discounts.
A typical 18-year-old student pays about $598 a 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, such as for good grades.
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We've collected auto insurance quotes for thousands of zip codes in the 10 most populous US states. Our sample drivers were 18-year-old men and women driving a 2015 Honda Civic EX. All other parameters affecting car insurance prices were consistent; drivers were single and had a clean driving record.
Listed below are the coverage levels for a comprehensive insurance policy, including liability insurance. These coverage levels are slightly higher than each individual state's minimum coverage requirements:
The analysis included 23 insurance companies, although rates were included in 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 are publicly listed by insurers and should be used for comparison purposes only - your own quotes may vary.
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