Jessica Sautter is a Content Writer for 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: Nov 7, 2020

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Key takeaways...

  • Students under the age of 25 are usually considered high-risk drivers
  • Maintaining a clean driving record and good grades will lower your premiums
  • Credit card companies sometimes offer discounts for student drivers

For several reasons, college students constitute a prime targeted market sub-segment for zealous insurers. For starters, auto insurers are not dense.

Nor did most insurance executives ever wear “Dunce” caps while in school. In fact, most of them graduated at the top of their respective academic classes.

These brilliant minds readily perceive the prolific profit potential that the market sub-segment of scholastic motorists represent. After all, you probably did not get into college by being stupid.

Affordable car insurance quotes are only a click away! Enter your zip code above and get started for FREE!

No Single Source Exists

Auto insurance premiums are always changing. Due to the extreme volatility of market conditions and insurer objectives, auto policy costs vary widely and are subject to frequent change.

When it comes to student drivers, the rates can vary dramatically. A clean driving history and high GPA equate to lower rates.

Such circumstances make it virtually impossible to find all available college student discounts on any single virtual platform.

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Off Beaten Online Paths

Lesser-known resources for locating reduced auto premium rates include:

  • Student Credit Card Companies  Contact the issuers of any student credit cards you currently hold. Specialized auto insurance discounts are frequently a fringe benefit of card membership.
  • Alumni Associations  Large membership rosters may entitle current and prior enrollees to exclusive group auto insurance discounts.
  • Student Services Offices  College and university administrators at such offices are famous for having an uncanny ability to find alternative sources of assistance such as housing and short-term funds for students.
  • Insurance Agents  The same representatives who have served your family for years or decades are excellent and reliable sources of college student auto discounts.
  • Current Insurer(s)  Many state-supported university systems now require students to maintain health care coverage throughout the entire duration of matriculation.

Develop An Overall Strategy

Despite the competitive nature of contemporary insurance, some fundamental factors remain constants in the realm of college student car insurance discounts.

Maintaining superior grades and a driving record free of accidents and moving violations always pay dividends.

In addition to paying rich dividends when shopping for competitive car insurance premiums, the enhanced personal discipline and restraint they instill yield high returns in many other respects for the rest of your life.

Begin reaping the rewards you so richly deserve today by conducting a thorough comparison-shopping spree for the best college student car insurance discounts.

Find the different types of car insurance and find the right fit for your specific needs when you enter your zip code below!