Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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

UPDATED: Sep 13, 2020

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Key takeaways...

  • Drivers under the age of 25 usually pay higher insurance rates than older drivers
  • It’s a good idea to shop around and compare insurance rates
  • Most insurance providers offer students user-based program or discounts that make insurance inexpensive for students

Students under the age of 25 often pay the highest auto insurance rates and premiums since they are considered as “high risk” by insurance providers.

Most students fall into this bracket. Statistically, drivers under the age of 25 are three times more likely to get involved in an accident compared to drivers above the age of 50.

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Table of Contents

How to Find Affordable Insurance

The best way to reduce car insurance costs is to shop around.

Usually, insurance providers determine the price using factors including:

  • Age
  • Gender
  • Driving record
  • Garage location

You can get affordable auto insurance if you can prove that you pose less risk to insurers.

Most insurance providers offer students user-based program or discounts that make insurance inexpensive for students.

The rules specified by the insurers differ although general requirements could include:

  • You must be under the age of 25
  • You must be a full-time student in university, college or high school.
  • You must maintain at least 3.0 average or “B” average.
  • You must maintain a clean driving record; no accidents.
  • The vehicle insured has adequate safety measures.

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Companies Offering Affordable Car Insurance

Car insurance is compulsory in all states. For affordable car insurance, various factors have to be put into consideration including the cost and the claims process.

Examples of insurance companies that offer affordable car insurance include.

Esurance

Esurance insurance company offers affordable rates for car insurance for students compared to other insurance companies.

In addition, it features online services that enable convenient means of changing policies and payment.

Esurance also offers insurance to motorcycles at competitive rates to other insurance providers.

Esurance offers student auto insurance discounts for students under the age of 25 who maintain a 3.0 (“B”) average grade point.

You must also be enrolled full-time in high school, university or community college. In addition, students of a Pac-12 school are also eligible and stand to earn more discounts.

Geico

Geico insurance company offers cheap car insurance rates in addition to good student discounts which make the company popular with most students. It also offers free quotes to students.

According to the company’s website, students can save up to $200 dollars by switching their car insurance to Geico.

To be eligible, you must be between the ages of 16 and 25 years.

Geico offers Good Student discounts for students who maintain a “B” average. A better academic record could make you eligible for up to 15 percent discount on car insurance.

It also offers airbag discounts for vehicles installed with passenger and driver side bags.

Good driving history and record, for example, if you have not been involved in an accident within the last five years could earn up to 25 percent discount for the student.

Progressive

Progressive offers competitive premium rates for motorcycle and car insurance.

The company is known for being high-risk insurance.

They offer free quotes as well as quoting rates that compete with other insurance providers.

To qualify for the auto car insurance, students have to maintain a “B” average in school, be full-time students in high school, community college or university as well as be under the age of 25.

Allstate

Allstate is popular with students for its affordable car and motorcycle insurance particularly since it offers discounts, competitive prices, and rates.

Fulltime students in colleges, university or high school who are under the age of 25 can save up to 20 percent if they maintain good grades —usually “B” average or above.

In addition, students with vehicles installed with anti-lock brakes are eligible for a 10 percent discount.

Ways to Keep Car Insurance Cost Down

Go for low-powered cars and equipped with safety measures including traction control and airbags. These types of vehicles attract least insurance premiums.

High-powered vehicles are accident prone and attract higher insurance prices.

Check out for discounts. Since most of the companies consider good academic grades, you have to excel in school. As an alternative, you have to complete a driving course to reduce your premium.

You should also compare insurance quotes from different insurance companies. The rates vary depending on the insurance company.

Driving safely can also attract more discounts that make the insurance affordable to students.

Enter your zip code below to receive car insurance quotes for FREE.

References:

  1. https://www.geico.com/
  2. https://www.thebalance.com/how-to-get-your-driving-record-527249
  3. https://www.progressive.com/
  4. https://www.allstate.com/
  5. https://www.nationwide.com/car-insurance-discounts.jsp