Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Students drivers usually pay more for car insurance than more experienced drivers
  • Students who earn good grades can apply for car insurance discounts
  • Additional safety features can lower your monthly premiums

When looking for the best student car insurance rates, it’s important to understand that no two students are ever going to be likely to get the same rates from the same insurer.

Students should take the time to compare a car insurance company and look for the best rate!

Comparison shopping is incredibly important when buying car insurance as the price of your insurance policy will be determined by a lot of factors that vary wildly from person to person.

There are quite a few factors that come into play, and while we cannot possibly cover all of them here alone, we can at least discuss some of the most important factors that determine your rates when getting good coverage as a student.

No matter one’s age, students should compare state car insurance with our FREE comparison tool! Enter your zip code to get started for FREE!

Student Car Insurance

Believe it or not, even in college, your grades can affect your student car insurance rates.

For any young adult, it’s worth looking into any auto insurance discounts that a car insurance provider may be offering for good grades.

In fact, looking for good grades discounts isn’t a bad way to narrow your search down from the start, using a car insurance agency to limit your search to just the providers who offer such discounts.

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Income for Students

Different insurers will go different ways on this. Some insurers may offer lower rates if you have reliable income, others may offer discounts and low-income car insurance to students.

It’s a good idea to search based on your own particular needs.

If you’re putting yourself through college, chances are you have less money on hand and lower income overall than if you have a full scholarship and parents who are helping you along financially.

It’s all about finding the insurer that’s right for you, because there’s really no such thing as a flat out objective “best” insurance provider or policy, it’s all about what’s right for you.

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Student’s Car

Your car is one of the biggest factors in determining your insurance rates no matter who you are, how much money you have, what you do for a living or your personal, legal or financial history.

The more safety features your car has, the lower your insurance rates.

If you buy a used car, your rates will typically be lower as most states have laws dictating that you retain full coverage insurance, which can be quite expensive, if you drive a new car.

Student Car Insurance Factors

A young adult or teenager is going to have to spend more on car insurance than they might otherwise if they were only a few years older.

Thankfully, but there are still a number of things that you can do to prove that you’re a safe, responsible driver who deserves a discount or two.

For instance, special training can be a big help. If you ever get a chance, take a few advanced driving courses and safety classes, as these can be a major help in getting your insurance rates significantly lowered.

Likewise, your personal history can be as much a drain as an asset.

For instance, if you have been hit with any major moving violations, if you have any sort of criminal history, bad credit or if you’ve only been driving for a little while, you’ll want to look for an insurer who is more forgiving than others might be.

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Place of Residence

Where you live can affect your insurance rates. The amount of time that you spend commuting makes a difference in how much you spend on insurance.

Distance from work and school is important, and so is whether or not you live in a rural area.

If you live in an urban area, your car is more likely to be subjected to theft, vandalism or accidents simply because there are more cars and more people.

On the other hand, if you live out in the country, it’s highly unlikely that somebody is going to be thirty miles outside of the city limits on foot and thinking of stealing your car.

These are just a few of the factors that weigh into determining your final insurance costs when it comes to location.

The Insurer

Finally, the insurance company themselves have final say in your rates, so you could say that they’re the most important factor.

No matter how good your driving record, if you’re trying to get a good deal from a company that never gives discounts to students, then they’re not going to give you a good price and that’s that.

What you need to do is find an insurer who is geared specifically towards what you want out of a car insurance provider.

There are literally hundreds and hundreds of insurance providers out there and they can take forever to sift through, so it’s important to have a clear idea of what you’re looking for and to go through an agency that knows how to help you find what you need.

Find cheap car insurance for your students now! Enter your zip code below to get started for FREE!


  1. https://www.geico.com/save/discounts/student-discounts/
  2. https://www.progressive.com/answers/teen-driver-insurance/
  3. https://www.nationwide.com/index.jsp
  4. https://www.kbb.com/car-advice/car-buying/step-1-find-out-how-much-you-can-afford/
  5. https://www.myfico.com/credit-education/improve-your-credit-score/