Best Auto Insurance for College Students

Q: What’s the cheapest way for a student to get car insurance?

Staying on a parent’s policy, maintaining good grades, and using every available discount are usually the most affordable ways for students to get coverage.

Q: Do students need full coverage or is liability enough?

Full coverage is only required for financed vehicles; otherwise, liability coverage is the cheapest and often sufficient for older cars.

Q: Can international or out-of-state students get coverage?

Yes, most insurers cover international and out-of-state students. You may need to provide extra documentation such as a student visa or US license.

Q: What documents are needed for a quote?

Typically you’ll need a driver's license, student ID, address, vehicle info, and possibly proof of grades to qualify for discounts.

Finding the best auto insurance for college students isn’t always easy—but it doesn’t have to be expensive. With the right discounts and flexible features, students can get affordable coverage, even with limited driving history. Our quote tool finds student-friendly options tailored to your ZIP code and campus life.

Compare Car Insurance Rates for Students

Enter your ZIP code to view custom quotes for college drivers. Whether you’re living in a dorm or commuting, these plans provide the protection you need—at a price you can afford.

Get Quotes for College Students

Get car insurance deals made for students and young drivers.

Student Discounts and Savings Tips

Good Student Discount: Most insurers reward students with a B average or higher.
Distant Student Discount: If you attend college 100+ miles from home and don’t take a car, you could pay less.
Bundling: Bundle car insurance with renters or stay on a parent’s policy to unlock additional savings.
Safe Driving: Maintain a clean record and consider usage-based or telematics programs.
Defensive Driving: Completing a course may unlock further discounts.

Liability or Full Coverage?

Liability-only is usually the cheapest, but full coverage is often required for new or financed vehicles. Use our quote tool to compare both types and decide what matches your risk level and budget.

Top Companies for Student Car Insurance

Start by checking Geico student policies—popular for competitive pricing and good student deals.

Explore Allstate’s college driver discounts for smart savings and digital features.

Compare Progressive student plans that adapt to your driving and school schedule.

Check Liberty Mutual student quotes for further options customized for college drivers.

More Student-Friendly Coverage Options

Want the lowest monthly payments? See our guide to cheap liability insurance for budget protection.

Need more choices? Visit our insurance provider directory and compare 25+ car insurance companies for students.

Frequently Asked Questions: Student Car Insurance

What’s the cheapest way for a student to get car insurance?
Stay on a parent’s policy, maintain good grades, and take advantage of all available discounts.

Do students need full coverage or is liability enough?
Full coverage is only required for financed cars; otherwise, liability is the most affordable option for older or less valuable vehicles.

Can international or out-of-state students get coverage?
Yes, most companies insure international and out-of-state students, but you may need extra paperwork (student visa, US driver’s license, etc.).

What documents do I need for a quote?
You’ll need your license, student ID, address, vehicle info, and possibly proof of grades for a good student discount.