Best Cheap Car Insurance for College Students – ValuePenguin

What is the cheapest car insurance for college students

Video What is the cheapest car insurance for college students

cheaper for college: geico

While quotes vary based on where you live, Geico consistently offers college-age drivers low auto insurance rates.

geico also offers discounts to members of college-focused groups such as alumni associations, fraternities and sororities. So, if you’re a campus-involved college student, chances are you can get good discounted car insurance rates. Get a quote online by clicking above or talk to an insurance agent to see if you qualify.

cost of full coverage auto insurance for college age drivers

best for discounts: state farm

State Farm’s Good Student Discount offers up to 25% annual savings on auto insurance for eligible college students. Eligibility requirements vary by state, but typically the driver must be a full-time student with a grade point average of at least 3.0 (out of 4.0). Fortunately, the discount lasts until drivers turn 25, even if they graduate from college before then.

The State Farm Out-of-School Student Discount is great for college students who live on campus where a car isn’t necessary. offers savings to drivers who live more than 100 miles from home and keep their car at home. To be eligible for the discount, college students may only drive their car while home on vacation or on a holiday.

state farm’s steer clear program offers all drivers under the age of 25 the opportunity to save money on their auto insurance. the program allows drivers to review and improve their driving skills through educational materials and by automatically recording significant events that occur during their trips. If there are no violations or accidents during their trips, they will be eligible for a discount.

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best for infrequent drivers: metromile

Metromile’s quoting system allows drivers to enter their current auto insurance premiums so they can compare and see if it makes sense to switch companies. Your monthly premium will consist of a base cost plus a mileage rate, which means less driving equals lower insurance costs. metromile claims that if you drive less than 12,000 miles per year, which is the national average, you’ll save money on your insurance.

metromile does not charge policyholders for driving more than 250 miles per day, depending on the state. college students or new drivers can think of this as a cap on the amount they can be charged, should they choose to drive home or take a road trip. in new jersey, metromile will not charge drivers for more than 150 miles per day.

The company’s biggest drawback is its limited availability.

metromile is currently only available in eight states: arizona, california, illinois, new jersey, oregon, pennsylvania, virginia, and washington. If Metromile isn’t available where you live, ask your insurance company about a low-mileage discount, offered by most auto insurance companies.

best mobile apps: allstate

allstate mobile allows users to access their plan information, manage claims and instantly connect with an insurance agent. you can file a claim right from the app, which we think is the best part. this saves you long phone calls during what is often a stressful time.

the allstate quicktrip app is a trip optimizer that saves time and miles. drivers can enter as many places as they wish to visit, and the app will find the optimal multi-stop route for the day. this is a great added benefit for college students, especially those with busy schedules.

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While allstate offers great mobile apps, they also have an extensive network of agents, who are available to answer your questions in person. This can be a huge benefit for college students who may not be familiar with the nuances of their auto insurance policies.

College students should note, however, that allstate policies are often among the most expensive among major insurers. As a result, student drivers must carefully consider how they prioritize the balance between quality and cost of service.

allstate has approximately 12,000 dedicated locations across the country, which means there’s likely one near you. Ultimately, Allstate offers a great mobile experience and doesn’t skimp on in-person support.

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