Affordable Car Insurance for College Students

Finding affordable car insurance for college students isn't very difficult as many companies offer discounts to students. Some even offer discounts up to 15% based on GPA.

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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 15, 2021

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Here's what you need to know...

  • College students are often considered high-risk due to their young age, but they qualify for several discounts simply because they’ve enrolled in a degree program at a college or university
  • Can I get a student discount on car insurance? Most car insurance companies offer a discount to students who have maintained an overall grade point average of at least 3.5, and some companies offer this discount to students with grade point averages of 3.0
  • Students are under no obligation to stick with any one company and should move their policy to a more student-friendly, budget-minded insurance company
  • Always remember to be well-armed with information, price comparisons, and information about academic performance, and the process of finding affordable college student car insurance will take care of itself

When students go away to college, car insurance can be a major cost consideration with really damaging effects on an already-tight budget.

Luckily, famously cash-strapped college students have a few great ways to find affordable car insurance that will keep their ride legal, and keep their weekend budget in good supply throughout their four years away from home.

What is the best car insurance for a college student? We can help you find affordable car insurance for college students. Enter your ZIP code above and we”ll send you personalized car insurance quotes for free!

Tell an Insurance Company About College Plans and GPAs

Insurance companies might place a premium on younger drivers due to their higher risk of accident, but they also place a significant amount of weight on college attendance and good grades.

For this reason, every student heading off to college should call their issuance company and inform them that they’ll be enrolling (either full-time or part-time) in an Associate’s or Bachelor’s degree program in the fall.

They will likely have to submit an acceptance letter or a faxed copy of their student identification card to verify this, but they’ll qualify for up to a 15 percent policy discount.

For students who work hard to get the best grades they can, insurance companies have an additional layer of savings that will help high-achievers be low spenders.

This will require faxing or mailing a copy of the student’s transcript in order to verify the information and qualify for the discount.

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Keep Them on Your Policy

Students should consider staying on their parents’ insurance policy for as long as they are considered a dependent of the household.

This allows insurance agencies to offer multi-car and multi-vehicle discounts to the family which benefit both the students and the parents.

Don’t Feel Tied to Just One Insurance Company

It’s easy to feel like there is no better car insurance coverage deal out there, but that’s often not the case.

Insurance company policy fees vary widely, from the minimal to the excessive, and the only way to determine which of those descriptions applies to any one policy is to compare quotes from multiple companies.

This might sound like a complicated and time-consuming task, but a new type of online tool has made it relatively easy.

Online insurance comparison forms collect information from customers and place it into a universal “pool” of information which is then submitted to all of the major national insurers.

These companies generally have similar quote processes and require the same information from consumers, so it’s easy for the quote comparison tool to simply send them all the same information and return their prices all at once.

Once their rates are displayed on the quote comparison tool’s website, it’ll be easy to see which companies are ripping students off and which ones are actually working with their finances by offering great deals on car insurance coverage.

Speak with an Agent


Finally, don’t underestimate the power of an agent when seeking a great deal on car insurance while in college.

It’s true that the process can be slow and subject to frequent schedule change.

Sometimes this inconvenience can lead to even better rates toll-free hotline representatives or online quote forms can present.

This is because agents have the ability and authority to move on price and make small adjustments that could end up saving students and their families hundreds of dollars over the course of a college career.

Before speaking with an agent, however, it’s still a pretty good idea to consult an online car insurance quote comparison tool to get a general idea of what competing insurance companies are offering.

This will allow the student, or the student’s parents, to have a bit more leverage than usual when discussing prices.

In the insurance business, as in so many financial industries, leverage almost always correlates with better service and higher savings when it’s played right.

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Remember that Being a Student is Considered an Advantage


Car insurance companies are quick to offer discounts to students simply for being students, or for having good grades. But there’s another thing that these companies are willing to do.

When a student has graduated from college, they will get a college graduate discount and their degree will actually lower their insurance premium for the rest of their lives. The same is true of graduate, doctoral, and professional degrees, as well.

Being a student is the smart choice for long-term success, and car insurance companies will be quick to reward those students who put the time and effort into achieving great success and seeking low policy premiums.

Enter your ZIP code below for FREE car insurance quotes.



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

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