Best Car Insurance for College Students in 2025 (Top 10 Companies Ranked)
State Farm, USAA, and American Family offer the best car insurance for college students at just $142 per month. Student auto insurance rates depend on GPA, driving history, and location. Average car insurance for college students drops with good student discounts and usage-based programs.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Apr 3, 2025
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 3, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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2,235 reviewsState Farm, USAA, and American Family offer the best car insurance for college students.
State Farm stands out for its good student car insurance discounts and low monthly rates averaging $142.
Our Top 10 Company Picks: Best Car Insurance for College Students
| Company | Rank | Student Away Discount | Good Student Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 25% | 25% | Many Discounts | State Farm |
 | #2 | 25% | 25% | Military Savings | USAA |
 | #3 | 25% | 20% | Student Savings | American Family |
 | #4 | 15% | 15% | Cheap Rates | Geico |
 | #5 | 20% | 10% | Online Convenience | Progressive |
 | #6 | 35% | 20% | Add-on Coverages | Allstate |
 | #7 | 10% | 15% | Usage Discount | Nationwide |
 | #8 | 15% | 25% | Local Agents | Farmers |
 | #9 | 30% | 22% | Customizable Policies | Liberty Mutual |
 | #10 | 20% | 8% | Accident Forgiveness | Travellers |
College students can lower costs even more with usage-based programs, bundling options, and maintaining a clean driving record.
- Our top pick for the best college student car insurance company is State Farm
- Car insurance for an 18-year-old college student costs around $142 per month
- Save with student away at school or good student discounts
This guide compares top providers to help find affordable, reliable coverage. Enter your ZIP code into our free comparison tool to see how much car insurance costs in your area.
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#1 – State Farm: Top Pick Overall
Pros
- Discounts for College Students: State Farm offers discounts for students with a 3.0+ GPA or those living 100+ miles from home without a car. (Read More: State Farm car insurance review & ratings)
- Easy Online Experience: State Farm makes it easy for college students to manage policies, file claims, and pay premiums online or via its mobile app.
- Excellent Customer Service and Financial Strength: College students seeking reliable claims and strong customer service will appreciate State Farm’s A+ A.M. Best rating and low complaint index.
Cons
- No Gap Insurance: If you’re a college student looking to protect your brand-new car with gap insurance, you’ll be disappointed to learn State Farm doesn’t offer it.
- Certain Add-ons Unavailable: State Farm lacks extras like accident forgiveness, new car replacement, and vanishing deductible, which could help college students save over time.
#2 – USAA: Best for Military Families
Pros
- Great Financial Ratings: USAA has an A++ from A.M. Best, indicating strong financial success.
- Cheapest Rates: While Geico has the cheapest college student rates for all drivers, you can get even lower rates with USAA if you qualify for coverage.
- Excellent Customer Satisfaction: USAA has excellent customer service and financial ratings all around for its car insurance. (Read More: USAA home and car insurance review & ratings)
Cons
- Limited Eligibility: USAA’s auto insurance coverage is only available to college students who served in the military or have a spouse or parent who did.
- Not the Most Affordable DUI Coverage: Other companies like Geico offer lower rates for college students after a DUI compared to USAA.
#3 – American Family: Cheapest for All College Students
Pros
- Cheap Rates: American Family folk have the cheapest college student car insurance, aside from Geico. It is a savvy pick for the cost-conscious. (Read More: American Family insurance review & ratings)
- Low Complaints: American Family receives a 0.42 complaint score, compared to the national average of 1.00. College students might like its robust customer service.
- Various Coverages: American Family has several different policy types for college students: accident forgiveness, rideshare insurance, original equipment manufacturer coverage, etc.
Cons
- Limited State Availability: American Family is licensed in only 19 states, primarily in the Midwest and West.
- Other Companies Have Better Financial Ratings: American Family has an A rating from A.M. Best, while top picks like State Farm and USAA have an A+.
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#4 – Geico: Cheapest for All Drivers
Pros
- Cheap for All Drivers: Geico is the cheapest car insurance company for all college students since USAA is only for military families.
- Many Student Discounts: Geico offers discounts to help college students save on coverage. Read more about the Geico DriveEasy car insurance discount.
- Great Online Tools: Its sophisticated mobile app and website make Geico a great company for college students to easily manage their car insurance policy and pay premiums.
Cons
- Few Add-Ons: College students looking for new car replacement, vanishing deductibles, or rideshare insurance won’t find it with Geico.
- Local Service Team: Unfortunately, Geico doesn’t have many brick-and-mortar offices for customer service. So, you’ll have to speak with a representative on the phone.
#5 – Progressive: Great Add-on Coverages
Pros
- Unique Coverages: Rideshare, accident forgiveness, pet injury, and deductible savings for college students. (Learn More: Progressive car insurance review & ratings)
- Great Student Savings: Progressive’s tools and discounts can help college drivers save and stay on budget.
- Convenient Mobile App: Progressive’s user-friendly mobile app allows policyholders to pay bills, file claims, and make changes to their policy.
Cons
- Poor Customer Service: Progressive has an A from BBB but low user ratings and a high NAIC complaint score.
- Potential Rate Increases: Progressive may increase a college student’s rates after their first accident unless they have accident forgiveness.
#6 – Allstate: Sophisticated Online Platform
Pros
- Excellent Online Presence: Allstate has an easy-to-use website and mobile app for college students to manage their policies, file claims, and pay premiums. (Learn More: Allstate insurance review & ratings)
- Big Savings: Allstate offers accident forgiveness, safe driving discounts, and savings for completing the teenSMART safety program.
- Local Support Team: College-age drivers looking for personalized service may be pleased to hear that Allstate has a wide network of local agents.
Cons
- Several Customer Complaints: Allstate has over twice the average complaint rate and a B- BBB rating with 1.1-star reviews.
- Claims Handling: Customers have mixed reviews for Allstate’s claims handling.
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#7 – Nationwide: Best Usage-Based Discount
Pros
- Good Customer Service: Nationwide’s NAIC complaint index is 1.04, right around the national average. The company also boasts an A+ from the BBB.
- Great Usage-Based Program: Nationwide SmartRide has one of the highest discount amounts of all usage-based programs at 40%.
- Strong Financial Ratings: Nationwide touts an A+ rating from A.M. Best, an independent credit rating company. (Read More: Nationwide insurance review & ratings)
Cons
- Not Available in All States: Nationwide doesn’t sell auto insurance in Alaska, Hawaii, Louisiana, or Massachusetts.
- Not the Cheapest: Many other competitors offer cheaper rates and better financial ratings than Nationwide.
#8 – Farmers: Vast Agency Network
Pros
- Signal App: Farmers Signal rewards safe college drivers with up to 30% savings, crash detection, and monthly gift card drawings.
- Driver Education Resources: Farmers’ site offers tips and guides that can help college students save on car insurance.
- Local Agents: The company has an extensive network of agents nationwide to help college students with their car insurance policies. (Learn More: Farmers insurance review & ratings)
Cons
- Highest Rates for College Students: College students pay around $155 monthly for full coverage with Farmers, making it one of the most expensive companies for college-age drivers.
- Not Available Nationwide: Farmers car insurance is unavailable in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, and West Virginia.
#9 – Liberty Mutual: Various Discounts
Pros
- Great Digital Tools: College students can pay their Liberty Mutual bill, manage their policy, and file a claim online or with the mobile app. (Read More: Liberty Mutual review & ratings)
- Sells Accident Forgiveness: Liberty Mutual lets you add on accident forgiveness for a cost, where your rates won’t increase after your first accident if you don’t have accidents or tickets on your record.
- Good Discounts: There are student discounts available through Liberty Mutual, as well as additional savings for University of Alabama students.
Cons
- Poor Customer Satisfaction: Liberty Mutual has an A+ BBB rating but low customer reviews and a high complaint score.
- Expensive Rates: Liberty Mutual tends to have higher rates than many competitors.
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#10 – Travelers: Good Accident/Ticket Forgiveness Program
Pros
- Financial Strength: Travelers has an A++ rating from A.M Best.
- Responsible Driver Plan: Travelers’ Responsible Driver Plan forgives your first accident, which may benefit college students long term.
- Various Student Discounts: Travelers offers good student, student away, and driver training discounts.
Cons
- Limited Coverage Availability: Travelers rideshare insurance is only in Colorado and Illinois; IntelliDrive is in 42 states and D.C. Read more about the Travelers IntelliDrive car insurance discount.
- Low Customer Satisfaction Ratings: Travelers has an A from the BBB and few complaints but low customer ratings. Still, it’s worth considering.
Top Car Insurance Discounts to Help College Students Save Money
While locating quality car insurance for college students can be a task, obtaining affordable college student car insurance with adequate coverage shouldn’t have be a challenge. You can find the best car insurance discounts from top providers for college students.
Check out the table below to compare college student car insurance discounts offered by different providers:
College Students Car Insurance Discounts by Provider
| Insurance Company | Available Discounts |
|---|---|
| Smart Student, Resident Student, Drivewise Program, Early Signing |
| Good Student, Teen Safe Driver, Generational, Auto & Renter’s Bundle |
| Good Student, Distant Student, Youthful Driver, Shared Family Car |
 | Good Student, Membership/Alumni Affiliation, Multi-Vehicle, Federal Employee |
| Good Student, Student Away at School, Multi-Policy, RightTrack Program |
 | Good Student, Accident-Free, Defensive Driving Course, Multi-Policy |
 | Good Student, Snapshot Program, Multi-Car, Online Quote |
 | Good Student, Student Away at School, Steer Clear Program, Family Member Coverage |
| Good Student, Distant Student, IntelliDrive Program, Multi-Policy |
 | Good Student, Family (Military Dependent), SafePilot Program, Multi-Vehicle |
Taking advantage of these discounts can help you lower your insurance premiums and afford coverage.
- Student Away at School: College students may qualify for an auto insurance discount if they attend classes a specified distance away at school and don’t intend to drive their car regularly.
- Good Student: The best auto insurance companies for college students offer a good student car insurance discount to full-time students under 25 who maintain a certain GPA, usually a 3.0 (B average) or higher.
- Driver Education Course: Some insurers offer driver’s education discounts to help policyholders get cheap car insurance for college students if they complete an approved driver’s education course.
- Membership: You could also get a membership discount for college students if you’re a member of a certain organization, such as AAA, or an alumni association.
- Multi-Car: Many college students remain on their parent’s policy, qualifying them for a multi-car discount. So, college students should shop for the best multi-vehicle car insurance discounts for cheap rates.
The average college student car insurance rate typically ranges from $140 to $250 per month, depending on factors like location, driving history, and credit score. Finding the best cheap auto insurance for college students requires comparing student car insurance quotes and looking for discounts for GPA, low mileage, or safe driving habits.
It’s important to inquire about these discounts and compare car insurance discounts by age when obtaining insurance quotes, as they can make a substantial difference in the cost of your coverage.
Bundling Auto Insurance With Other Policies as a College Student
Bundling auto insurance with other policies can provide several benefits for college students. College students can save on coverage by combining car and home insurance discounts alongside other types of insurance, such as renter’s or health insurance.
Brad Larson Licensed Insurance Agent
In addition to cost savings, bundling insurance policies simplifies your financial management. Having all your policies with one provider means you’ll only need to deal with a single company for any policy changes, claims, or inquiries. This convenience can save time and alleviate potential headaches associated with managing multiple policies.
Usage-Based Auto Insurance Programs for College Students
College students can take advantage of usage-based auto insurance programs. Such programs utilize technology to monitor driving behavior and offer usage-based insurance premiums.
See the table below that compares usage-based car insurance availability to provider and how much college students could save for participating:
Usage-Based Car Insurance Programs by Provider & Savings Potential
| Insurance Company | Program Name | Savings Potential |
|---|---|---|
| Drivewise | 25% |
| KnowYourDrive | 20% |
| Signal | 15% |
| DriveEasy | 20% |
| RightTrack | 30% |
| SmartRide | 40% |
 | Snapshot | 30% |
| Drive Safe & Save | 30% |
| IntelliDrive | 20% |
| SafePilot | 20% |
When comparing full coverage rates for young drivers, it’s important to explore discounts and policy options tailored for students. The GPA requirement for USAA’s good student discount helps high-achieving students qualify for lower premiums and save on car insurance.
Taking an AAA advanced defensive driving course can reduce costs even more by showing that you’re driving responsibly. Moreover, Allstate insurance for 18-year-olds provides competitive rates and offers unique benefits tailored to help young drivers just getting behind the wheel.
This alternative approach to auto insurance can be a great way for college students to save money while rewarding responsible driving. Some even offer larger discounts if you don’t drive often. Read more about the best low-mileage car insurance discounts.
Other Ways College Students Can Save Money on Auto Insurance
As a college student, it’s important to save money wherever possible. Fortunately, you can find good car insurance for college students that lowers costs without sacrificing coverage.
One effective way to save money is to maintain a good driving record. By avoiding accidents and traffic violations, you can benefit from discounts offered by insurance companies. Additionally, taking defensive driving courses or installing anti-theft devices in your vehicle may qualify you for further discounts. Read more about how to get an anti-theft system car insurance discount.
You can also increase your car insurance deductible to lower your rates. However, it’s important to never increase your deductible to an amount you can’t afford to pay out of pocket.
Furthermore, bundling your auto insurance policy with other policies, such as renter’s or health insurance, can often lead to discounted rates. Shopping around and comparing quotes from different insurance providers is essential to get the best deal.
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What College Students Need to Know About Their Auto Insurance Coverage
Regarding auto insurance coverage options for college students, there are a few key factors to understand.
Firstly, liability insurance for your car is a legal requirement in most states. This coverage includes bodily injury liability, which pays for injuries you cause to others, and property damage liability, which covers damages to others’ property. College students must have sufficient liability auto insurance coverage to protect others’ assets in case of an accident.
State Farm Insurance offers some of the cheapest liability rates for college students, averaging only $76 monthly. So, if you’re a college student looking for the minimum coverage, get a State Farm auto insurance quote to see if it’s your best choice.
Collision vs. comprehensive car insurance is also worth considering. Comprehensive coverage safeguards your vehicle against non-accident-related incidents, such as theft or vandalism, while collision coverage covers damages from accidents involving other vehicles. These coverages may be required if you have a car loan or lease.
Factors That Affect Auto Insurance Rates for College Students
When choosing auto insurance for college students, it’s vital to consider several factors. Firstly, consider your budget and how much you can afford to spend on insurance premiums. Cheap full coverage car insurance for college students is available through several providers that understand the unique needs of young drivers.
Various factors impact car insurance rates for college students, including:
- Coverage Level: College students will pay higher car insurance rates for full coverage than for a liability-only policy. So, consider the types of car insurance coverage you need before shopping for auto insurance for college students.
- Gender: Generally, men pay higher car insurance rates than women. To save money, it’s important to compare quotes and look for the cheapest auto insurance for college students.
- Location: Your location also affects your car insurance rates for college students. For example, your prices will likely increase if you move from a rural area to a big city for college.
- Vehicle Type: The type of vehicle you have will impact your college student insurance rates. So, you’ll pay more if you have a sports car vs. a sedan. Read more to find the best car insurance by vehicle.
Choosing good car insurance for students means balancing costs with essential coverage. For those seeking low-cost car insurance for college students, it’s smart to explore multiple insurance companies for students that specialize in affordable rates.
To see how much you might pay where you live, check out the map below to compare average college student rates by state:
Many car insurance companies that offer student discounts reward academic performance, safe driving, and limited vehicle use, helping students save even more. Another factor is the car insurance company you choose since each one has different formulas for calculating premiums. So, comparing quotes to get cheap car insurance for college students is important.*
Check out the table below to compare cheap rates from the best car insurance companies for college students:
College Students Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $80 | $150 |
| $75 | $140 |
| $85 | $155 |
| $70 | $135 |
| $82 | $148 |
| $78 | $145 |
| $83 | $152 |
| $76 | $142 |
| $81 | $149 |
 | $79 | $147 |
| $72 | $138 |
Keep reading to consider other factors affecting college students’ auto insurance rates.
How Driving Record Affects College Student Car Insurance Rates
Driving records have a significant impact on auto insurance rates for college students. Maintaining good driving habits is essential for college students looking to keep their auto insurance rates low. Insurance companies consider factors such as accidents, traffic violations, and speeding tickets when determining premiums.
Insurance companies value a clean driving record, which often results in lower rates for college students. However, accidents or traffic violations can lead to higher premiums since they indicate a higher risk for the insurance company. Take a look at the table below to see how much college students might pay for car insurance by driving record:
College Students Car Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $110 | $130 | $150 | $190 |
| $108 | $128 | $148 | $192 |
| $118 | $140 | $155 | $200 |
| $95 | $115 | $135 | $180 |
| $115 | $135 | $160 | $205 |
| $112 | $132 | $152 | $195 |
| $125 | $145 | $155 | $210 |
| $105 | $125 | $145 | $190 |
| $114 | $133 | $153 | $200 |
| $100 | $120 | $140 | $185 |
College students should maintain good driving habits and be mindful of their driving behaviors to keep insurance rates affordable. By adhering to these tips and practicing safe driving habits, college students can minimize the risk of car accidents and maintain low auto insurance rates.
How Credit Score Affects College Student Car Insurance Rates
Get quotes from student-focused insurers. Comparing student insurance quotes from multiple providers helps you find the best student car insurance tailored to your needs. College students can also receive rates based on factors like credit scores.
Credit-based insurance scores are one way that insurance companies predict how likely a policyholder will be to file a claim and calculate premiums accordingly. Compare college students’ car insurance rates by credit rating in the table below:
College Students Car Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $145 | $165 | $185 |
| $140 | $160 | $180 |
| $150 | $170 | $190 |
| $135 | $155 | $175 |
| $155 | $175 | $195 |
| $145 | $165 | $185 |
| $150 | $170 | $190 |
| $140 | $160 | $180 |
| $145 | $165 | $185 |
| $135 | $155 | $175 |
As you can see, college students with good credit scores are generally less risky and may receive lower insurance premiums. On the other hand, those with poor credit scores may face higher rates. Whether you’re still in school or searching for the best car insurance for recent graduates, comparing rates ensures you’re getting the most affordable car insurance for college students.
Tonya Sisler Insurance Content Team Lead
With the right research, you can secure low-cost auto insurance for college students without sacrificing essential coverage. College students should establish and maintain good credit to help secure affordable auto insurance rates. Understand how your credit score impacts car insurance here.
Find the Best Affordable Auto Insurance for College Students
Selecting the best auto insurance for college students involves considering various factors such as budget, coverage needs, and discounts available. On average, you’ll pay around $146 monthly to get the best insurance for college students.
By understanding the importance of coverage, comparing quotes, and maintaining good driving habits, you can find the best auto insurance for students at an affordable price.
So, take the time to explore the options, ask for discounts, and make informed decisions to protect yourself on the road with the best auto insurance for college students. Then, enter your ZIP code to compare free car insurance quotes for college students today.
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Frequently Asked Questions
Does location impact the average cost of car insurance for college students?
Yes, location significantly affects premiums; urban areas or states with higher accident rates typically have higher costs.
Are car insurance quotes for students typically higher?
Yes, student car insurance quotes are usually higher due to less driving experience, but discounts like good student or safe-driving programs can significantly reduce premiums.
How can I qualify for the cheapest car insurance for college students?
Maintain good grades, have a clean driving record, consider usage-based car insurance policies and how you can qualify for them, bundle policies, and compare multiple providers.
Can I still get cheap car insurance quotes for college students with limited driving experience?
Yes, but rates may be higher. Look for discounts like good student or safe driver programs to lower costs.
Comparing quotes is integral to finding the best rates possible. Enter your ZIP code into our free tool today to see what quotes might look like for you.
Do international students qualify for cheap car insurance for students?
Yes. International students typically qualify but may need to provide additional documentation like an international driver’s license and proof of enrollment.
Can bundling policies help achieve cheap auto insurance for college students?
Yes, bundling auto with renters or health insurance is one of the best car insurance discounts to ask for, often lowering premiums for students.
What is the cheapest car insurance for college students?
The cheapest car insurance companies for college students include State Farm, Geico, USAA, and American Family.
Does student car insurance cover other drivers using the student’s car?
Typically, student car insurance covers occasional drivers if they have permission. However, regular drivers should be explicitly listed on the policy to ensure coverage.
Is car insurance for an 18-year-old college student more expensive than for older drivers?
Yes, car insurance for 18-year-old college students is usually higher due to limited experience and risk, but looking into the cheapest car insurance for 18-year-old drivers can help lower costs.
Why are car insurance prices for college students typically higher than average?
car insurance prices for college students are higher due to their age, limited driving experience, and statistically higher risk of accidents.
Why does maintaining a good credit score affect finding the best car insurance for recent college graduates?
Good credit can lower premiums because insurers often associate higher credit scores with lower risk, making policies more affordable for recent graduates.
Does the best auto insurance for students offer discounts for limited driving?
Yes, the best auto insurance for students typically offers discounts for limited mileage, such as the low mileage car insurance discount, or participation in usage-based programs.
Can a Liberty Mutual car insurance college student policy be bundled with renters insurance?
Absolutely. Liberty Mutual has an even more affordable option for bundling; student policyholders can combine their car and renters insurance policies to save money and make managing their coverage even easier.
Is student-friendly car insurance available for part-time students?
Yes, some insurers offer discounts to part-time students, but requirements vary. Always check eligibility with the provider.
What discounts are available specifically for car insurance for a 19-year-old college student?
Car insurance for a 19-year-old college student often includes discounts like good student (GPA-based), the defensive driving course car insurance discount, and usage-based programs.
How much is car insurance for college students with no prior driving history?
Car insurance for college students with no driving history typically averages between $180–$280 per month, as insurers view inexperienced drivers as higher risk.
Does the Geico student away at college discount apply to all college students?
No, the Geico student away at college discount typically applies only if the student is under 25, enrolled full-time, and lives at least 100 miles away from home without a vehicle.
What is the average cost of car insurance for 20-year-old college student drivers?
Car insurance for a 20-year-old college student typically ranges from $140 to $250 per month, but exploring the cheapest car insurance for 20-year-old drivers can help you find more affordable options.
How does car insurance for students with good grades lead to lower premiums?
Car insurance for students with good grades often includes discounts, as insurers see academic achievement as a sign of responsibility and lower risk.
Can I get a discount with full time student car insurance?
Yes, most insurers offer good student discounts on full time student car insurance if you maintain a GPA of 3.0 or higher or meet their academic requirements.
Enter your ZIP code to get personalized insurance quotes tailored to your needs and budget.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
