Who offers online car insurance for students?

Student car insurance is expensive because students have a higher incidence of drunk driving, speeding, and accidents. Use our online comparison tool to find the best student car insurance rates.

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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: Jan 26, 2021

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Here's what you need to know...

  • Students can face several challenges when buying car insurance
  • Every state requires students to have insurance before driving on public roads
  • Insurance companies view students as high-risk and therefore charge higher premiums

A student who wants to get the right insurance car insurance policy should look online for quotes.

There are several ways to do this so that the student will save money on their car insurance policy.

The first thing to understand is that students face some unique challenges when it comes to getting good rates on car insurance.

Enter your ZIP code in our quote comparison tool and you will receive multiple car insurance quotes for FREE!

Why Students Have To Pay Higher Than Average Premiums

Due to a higher incidence of drunk driving, speeding, and accidents, insurance companies believe that students may pose a higher risk when it comes to insurance.

Consequently, insurance companies have collectively decided to protect themselves by charging higher premiums.

While a student who is trying to find car insurance may not reflect this statistical norm, and may, in fact, be the perfect picture of sobriety and responsibility, his unique personality is not factored into thae process of calculating insurance quotes.

Free Car Insurance Comparison

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

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Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

What Companies Offer Students Car Insurance

While there are certain insurance companies that offer special rates for students, these relatively inexpensive companies may not offer much coverage.

Some may, in fact, offer lower premiums with good coverage, but this is usually the exception rather than the norm.

The best way to find companies that offer student car insurance is to do an online search.

Numerous companies offer students insurance quotes, ranging from national companies to smaller companies.

How to Evaluate Insurance Companies

When evaluating a small, little-known company that offers a reasonable quote, a student should look at a few factors to decide if the company is reliable.

Among these factors include:

  • Financial stability of the company
  • Customer service reputation

This information can be easily obtained by visiting websites that estimate the financial stability of insurance companies and websites that evaluate customer service complaints.

Price is not the only factor that should be considered when looking for a car insurance company, but the price is still important.

Strategies Students Can Use To Get Lower Rates

The other way around paying high premiums is to choose a regular, reliable car insurance company and get lower rates through special programs or discounts:

Here are a few ways for students to save money:

#1 – Stay on Your Parents’ Plan

To save money, it might be a good idea to stay on your parents’ plan if finding personal car insurance turns out to be too expensive.

However, this only works if the student is staying at home while attending college.

If the student leaves home and establishes their own residency, most insurance companies require that they also get their own policy.

#2 – Get Rid of Extra Coverage

Unless students have a brand new, expensive car, they may not need collision and comprehensive coverage.

#3 – Good Student Discounts

Students between the ages of 16 and 24 can get student discounts through proven academic excellence.

To qualify, a student must get a 3.0 or higher GPA, have higher-than-average scores on the Scholastic Aptitude Test, or be on the dean’s honor list.

#4 – Good Driver Discounts

One way to prove you’re a good driver is to take a defensive driving course and get a certificate of completion. This certificate can help provide a discount on premiums.

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

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Get a Quote

By using websites that allow for multiple quotes and by using some of the above strategies for lowering the cost of premiums, students may be able to find affordable car insurance rates.

Enter your ZIP code below and we will help you find affordable student car insurance quotes for FREE!

Free Car Insurance Comparison

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

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