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: May 26, 2020

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Here's what you need to know...

  • Students and teen drivers are charged higher car insurance rates for several statistical reasons
  • Students are often offered discounts on their student car insurance coverage that can total up to $150 per year.
  • Some companies make the distinction between student and regular car insurance

Student car insurance is the same as any other auto insurance, except for the fact that it is typically more expensive to cover a student driver than an older and more experienced driver.

Of course, there are other ways for a student driver to get their insurance rates lowered, but methods vary by each company.

Therefore, it’s a smart idea for anyone who is looking for student car insurance to compare quotes and information for multiple companies.

Get car insurance rates for students with just a ZIP code now.

Table of Contents

What is student car insurance?

There is no real distinction between the normal car insurance and student car insurance other than simply saying it’s student car insurance when a student is the insured driver.

Differentiating between the two can come in handy because certain discounts and rules apply to student car insurance that do not apply to others.

As noted, student car insurance is typically more expensive than normal car insurance.

Students will see their rates increase more than other groups of people if they receive a traffic citation or get into an accident.

The most basic type of student car insurance is liability insurance, which takes care of all damages a person causes when they are in an accident.

All states require this as the basic amount of insurance coverage a person needs.

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Why is student car insurance more expensive than regular insurance?

Students ranging from the ages of 16 to 25 are a part of the biggest group of drivers involved in accidents.

Due to this fact, car insurance companies hike up the rates on student car insurance rates to compensate for students’ high likelihood of causing or being in an accident.

Of course, these are generalities, but insurance companies still put higher rates on student car insurance than other types of auto insurance.

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Can I get a student discount on car insurance?

Comparing quotes and shopping around for the best deal can help a student find cheap rates.

If a student already has their student car insurance, then some rules to try and follow are:

  • Avoid accidents at all costs to keep rates low
  • Avoid getting traffic citations or rates will soar to new highs
  • Pay all student car insurance bills on time to avoid fees and lapses in coverage

There are other things that can help students to avoid increases in their student car insurance, but the above mentioned are the basics.

A student driver should take their student car insurance seriously because the slightest misstep can result in hefty costs for their policies.

As the parent of a teen or young driver, the best way to get affordable rates is to encourage and reward safe driving.

If a person needs student car insurance or wants to switch providers, then they need to compare quotes and companies as soon as possible to find the best deals.

Compare student car insurance quotes with the free online tool by typing in your ZIP code right now.

References:

  1. http://www.rmiia.org/auto/teens/Buying_Auto_Insurance.asp
  2. https://www.thebalance.com/car-insurance-discounts-for-students-527530
  3. http://www.investopedia.com/terms/l/liability.asp
  4. http://www.naic.org/state_web_map.htm
  5. http://blog.aisinsurance.com/2013/07/03/how-often-should-you-compare-auto-insurance-quotes/#.V98mufArKUk