Student Discounts and Car Insurance

Many car insurance student discounts are available. These include options such as safe driving courses, staying at an in-state college, and staying on the family's policy.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Jun 30, 2020

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Here's what you need to know...

  • Being added to a family policy can help keep a student’s auto insurance rates low
  • In-state vs. out-of-state colleges and full-time school with no job are factors to consider when trying to save on auto insurance costs
  • For students planning to maintain their own auto insurance, beware that using their parents’ address is fraud
  • Car insurance companies that cater to students will sometimes advertise through public announcement boards and brochures on campus

When you are in school, car insurance discounts may be available. However, younger drivers will see higher fees, no matter what. Young adults usually can’t wait to start driving.

When it comes to securing car insurance for students, knowing where to find the right insurance carrier, the range of coverage selected and cost-saving tips will all dictate how happy a student is with a policy.

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Do college students get a discount on car insurance?

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It is common for a student to attempt to add insurance coverage to an existing family policy. This is beneficial when the parent’s insurance record is in good standing.

Even though the overall rates will increase due to a new driver’s lack of experience, being added to a family policy can help keep rates low.

By comparing rates from the current policy with others you can ensure you are paying a competitive price for coverage. Just don’t assume the even the first car insurance quotes you get are set in stone.

Saving costs on student car insurance, as well as finding adequate coverage is easy if you consider basic facts.

Insurance for students staying within state lines is cheaper than if the student commutes more miles out of state.

If going to school is full-time, with no job involved, monthly work loss considerations can also be dropped from a policy.

Other places to save include:

  • Declining car rental coverage for times if and when the car is taken off the road
  • Declining supplemental fees to cover other drivers ( if there are none)
  • Limiting the amount of property damage coverage or bodily injury coverage
  • Selecting an older, lower performance vehicle over a fully loaded new one
  • Taking a safe driving course to decrease your rate

Typically, a state sets limits on bodily injury and property damage below which an insurance company can not insure. It won’t hurt for a student to discuss the lowest limit if that’s where they feel financially secure.

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What is the cheapest car insurance for college students?

Finding a suitable car insurance company can be as easy as going online or talking to someone already insured by a reliable company.

Sometimes, carriers with friendlier attitudes towards students are posted in schools and colleges on public announcement boards or featured in brochures stacked on a table in a student lounge.

Companies can also be checked out online by searching complaint or review pages.

You gain wisdom from the experiences, positive or negative, from other customers who have already paid for the companies services.

How do you get a student discount on car insurance?

When a student is covered by any insurance company, it’s important to remember they are seen the same way as any driver out on the road.

Mistakes and negligence can add up to increased rates or dropped policies. Abiding by some standard guidelines can impact policies and rates.

Here are some typically known guidelines to keep insured motorist costs down:

  • Never driving under the influence of alcohol
  • Always park legally, on all occasions
  • Doing repairs as needed, before critical breakdowns cause accidents
  • Keeping all registration and insurance up to date and easily accessible

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Staying Honest and Avoidance of Scams

If a student maintains his own insurance, it is necessary to declare the actual living and working address for the student on the policy.

Some students have tried to use a parent’s address, because it is a quiet residential area, for a cheaper quote.

Using a parent’s address is fraud and an insurer has the right to deny your claim or even cancel your policy if this is discovered.

You must find a trusted insurance provider with a strong financial reputation. Independent industry analysts like A.M. Best and Moody’s will provide you with this information.

Teen drivers get higher rates based on statistics and lack of driving experience. In fact, all drivers under 25 are subject to those higher rates. Look into a no claims bonus as one way to combat these higher rates.

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