Auto Insurance for College Students
College students can save on car insurance with good grades, being away at school, and other student-specific discounts. Learn how to keep coverage affordable during college.
Challenges College Students Face
How to Save on Students Auto Insurance
Best Companies for College Students
State Farm
A++ RatedState Farm is the largest auto insurer in the United States, offering comprehensive coverage through a network of local agents.
Read Review →GEICO
A++ RatedGEICO is known for competitive rates and a streamlined digital experience, making it easy to get quotes and manage policies online.
Read Review →Progressive
A+ RatedProgressive is known for innovative tools like Snapshot and Name Your Price, helping drivers find affordable coverage tailored to their needs.
Read Review →Nationwide
A+ RatedNationwide offers unique features like the vanishing deductible program and is known for comprehensive coverage and strong agent support.
Read Review →Coverage Recommendations
- Liability-only may be sufficient for older cars
- Maintain continuous coverage for future savings
- Consider renters insurance bundle for dorm/apartment
- Roadside assistance if driving an older vehicle
College Students Auto Insurance FAQ
What is the good student discount?
Most insurers offer 10-25% discounts for students maintaining a B average (3.0 GPA) or higher. You'll typically need to provide a report card or transcript as verification.
What is the 'student away at school' discount?
If you're on your parents' policy and your car stays home while you're at college (usually 100+ miles away), you may qualify for reduced rates since you're driving less.
Should college students stay on parents' insurance?
Usually yes, it's significantly cheaper. Most students can stay on their parents' policy until they graduate or get their own car and insurance. Compare quotes to be sure.
Do I need car insurance if I don't have a car at college?
If you don't own a car, you don't need your own policy. If you borrow cars occasionally, consider non-owner car insurance for liability coverage, or check if you're covered under your parents' policy.
College Students Insurance by State
Insurance rates and requirements vary by state. Find information specific to your location.
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