Best Car Insurance for College Students – Many insurance companies offer affordable car insurance rates for college students, but some stand out more than others when it comes to value. These rates apply whether the student is added to a parent’s policy or has a policy of their own.
Keep in mind that not all insurance companies operate in every state. Experts recommend looking beyond just price when choosing an insurer. Factors like customer service, available discounts, and user-friendly digital tools are also important to consider.
Best Car Insurance for College Students
To help you make an informed decision, we conducted a detailed analysis to identify the top insurance companies for college students. Our research drivers ages 18 to 25, as well as customer feedback related to affordability, coverage options, service quality, and claims experience.
Insurance companies that combine competitive pricing with strong student discounts and reliable service were ranked highest. Use our list to find the provider that best matches your budget and coverage needs.
Geico
Geico stands out for its competitive rates and student-friendly features. For 18-year-olds added to a parent’s policy, the average annual cost for full coverage is $3,975 when the good student discount is applied. For students purchasing their own policy, the average cost is $5,926. Geico also offers discounts to students affiliated with certain fraternities, sororities, and alumni groups.
Its digital tools, including a well-rated mobile app, may appeal to tech-savvy college students. Geico earned credibility due to its wide range of discounts and consistently low rates. However, it does not provide a 24-hour customer service phone line, which may be a drawback for those who prefer live support.
Pros:
- Discounts for membership in student organizations
- Low average premiums for students on family policies
- Strong mobile and online policy management tools
Cons:
- No 24-hour phone support
- Limited optional coverages
Auto-Owners
Auto-Owners consistently delivers low average premiums for college students, particularly those in their first or second year. It was named Best Auto Insurance Company for Young Drivers in the 2025 Bankrate Awards. This provider is a good fit for families who prefer working with a local agent instead of relying on a mobile app.
Auto-Owners is recognized for its affordability and extensive coverage options, such as diminishing deductibles and added expense coverage. It is, however, only available in 26 states.
Pros:
- Offers multiple student discounts, including for teen driver monitoring
- Strong network of local agents
- Variety of personalized coverage choices
Cons:
- Not available in every state
- Lower customer satisfaction scores in the 2024 J.D. Power study
State Farm
State Farm offers solid discounts and extra savings opportunities for families with student drivers. Parents with 18-year-olds on their policy can expect an average annual premium of $4,747, assuming the good student discount is applied. Although this is slightly higher than some competitors, additional savings are available through discounts for distant students and participation in safe driving programs like Steer Clear.
The insurer also received high marks for digital tools and ease of use. However, accident forgiveness cannot be purchased directly and must be earned through a clean driving history.
Pros:
- Competitive pricing for students on family policies
- Good student and distant student discounts
- Offers safe driving programs for both young and adult drivers
Cons:
- Customer service is not available around the clock
- Accident forgiveness is only earned, not optional to buy
USAA
For families with military ties, USAA is a top choice. It offers some of the lowest premiums for college students, whether they are on a parent’s policy or buying coverage independently.
Although USAA is not available to the general public, it consistently ranks among the highest-rated insurers in national surveys. The carrier is especially beneficial for students in ROTC programs, who may take advantage of its full range of military financial services after graduation.
Pros:
- Low premiums for student drivers with or without parental policies
- Special programs and discounts for military families
- Existing USAA customers may pass on discounts to their children
Cons:
- Eligibility limited to military-affiliated families
- No physical branch locations
Nationwide
Nationwide offers some of the lowest rates for college students, particularly those included on a parent’s policy. While premiums are higher for students with standalone coverage, rates typically drop as students reach their early twenties.
Nationwide provides several ways to save, including student discounts and usage-based apps like SmartRide and SmartMiles. These tools reward safe or low-mileage driving but may not benefit students who frequently drive at night or in high-risk situations.
Pros:
- Strong range of coverage options
- Discounts for good grades, safe driving, and autopay
- Offers two telematics programs for potential savings
Cons:
- Customer service and claims satisfaction scores fall below average
- Not available in every state
How College Students Can Save on Car Insurance
Although insurance rates may naturally decrease as college students get older, there are still ways to reduce costs right now.
- Start by comparing quotes: Not all insurance companies treat student drivers the same, and prices can change over time. It’s a good idea to shop around and compare quotes from different providers at least once a year. This helps ensure you’re getting the most competitive rate available.
- Limit how much you drive: Many insurers offer discounts to drivers who log fewer miles each year. If you don’t use your car frequently, be sure to report your lower mileage, as it could qualify you for a lower premium.
- Look into usage-based insurance: Some insurance companies offer pay-per-mile plans or apps that track your driving habits. If you drive only occasionally while at school, usage-based insurance may offer a more affordable option.
- Consider driving a used vehicle: Used cars generally cost less to insure than newer models. They are also often easier and cheaper to repair. Additionally, choosing a vehicle with advanced safety features such as anti-lock brakes, forward-collision alerts, or automatic emergency braking ould help lower your insurance rate even further.
What is the best car insurance company for college students?
Geico, State Farm, and USAA (for military families) are among the top choices due to low rates, student discounts, and strong digital tools.
What types of car insurance coverages should college students consider?
Liability, collision, comprehensive, and uninsured/underinsured motorist coverage are essential. Roadside assistance and rental reimbursement are useful add-ons.
What is a good car insurance rate for college students?
A good annual rate is typically between $3,000 and $5,000 for full coverage, depending on location, driving history, and whether the student is on a parent’s policy.
How long can college students stay on their parents’ car insurance?
Students can usually remain on their parents’ policy as long as they live at home or attend school full-time and are considered dependents.
