Car Insurance for College Students

College car insurance can be expensive as young drivers pay $147/mo for car insurance. Discounts for good grades may lower your car insurance rates by up to 25%.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Insurance for college students can be expensive
  • Good student discounts may save you up to 25%
  • As you search for insurance, look for plans that reward you for vehicle safety

Whether you are purchasing a car for your college student or lending them the family car, it is important to find the right auto insurance.

Enter your zip code to compare free online car insurance rates for college drivers now!

The car insurance policy you choose will impact the car insurance rate your family has, so taking the time to learn about auto insurance for your college student will help you invest wisely in a company that best fits the needs of your family.

Factors that Impact College Car Insurance Rates

Several factors impact the insurance rates offered to college students, including:

  • Grades – Auto insurance companies will reduce rates for the student that makes good grades. By maintaining a B average or better, students can receive a lower premium from companies that offer a Good Student Discount.
  • Commute – Students that commute to their college campus at least 100 miles from home are eligible for a lower premium.
  • Policy Ownership – An auto insurance policy in your child’s name will prove to be very expensive, especially if your child is under the age of 25. It might be best to keep the policy under your name and add your child’s name to the list of those insured.
  • Age – Search the web to find the lowest teen car insurance rates. Compare quotes and take the previous points into consideration.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Safety and Car Insurance Rates

How safe is your car of choice for your college student?

Most college students would like to be driving the coolest car on campus, but safety trumps all.

If you want to get the most car for your money, you must determine what is most important to you as far as car safety is concerned.

It may be fuel efficiency, space, tire tread, or brake safety.

The type of car your college student drives directly affects car insurance premiums. If your college student drives a car equipped with standard safety features and keeps a clean driving record, your insurance premiums will be more affordable.

Shopping Around to Get the Best Rates

You and your college student will need to shop around to find the most affordable rates on insurance coverage. If you spend a little time finding the best policy for your family, you could end up saving a lot of money on your auto insurance.

Enter your zip code below to access car insurance rates for your college student today!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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