Student Car Insurance

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Here's what you need to know...

Student car insurance is the same as any other auto insurance, except for the fact that it is typically more expensive to cover a student driver than an older and more experienced driver.

Of course, there are other ways for a student driver to get their insurance rates lowered, but methods vary by each company.

Therefore, it’s a smart idea for anyone who is looking for student car insurance to compare quotes and information for multiple companies.

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What is student car insurance?


There is no real distinction between the two other than simply saying it’s student car insurance when a student is the insured driver.

Differentiating between the two can come in hand because certain discounts and rules apply to student car insurance that do not apply to others.

As noted, student car insurance is typically more expensive than normal car insurance.

Students will see their rates increase more than other groups of people if they receive a traffic citation or get into an accident.

The most basic type of student car insurance is liability insurance, which takes care of all damages a person causes when they are in an accident.

All states require this as the basic amount of insurance coverage a person needs.

Why is student car insurance more expensive than regular insurance?


Students ranging from the ages of 16 to 25 are a part of the biggest group of drivers involved in accidents.

Due to this fact, car insurance companies hike up the rates on student car insurance rates to compensate for students’ high likelihood of causing or being in an accident.

Of course, these are generalities, but insurance companies still put higher rates on student car insurance than other types of auto insurance.

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How can a student get a lower rate on car insurance?

Comparing quotes and shopping around for the best deal can help a student find cheap rates.

If a student already has their student car insurance, then some rules to try and follow are:

  • Avoid accidents at all costs to keep rates low
  • Avoid getting traffic citations or rates will soar to new highs
  • Pay all student car insurance bills on time to avoid fees and lapses in coverage

There are other things that can help students to avoid increases in their student car insurance, but the above mentioned are the basics.

A student driver should take their student car insurance seriously because the slightest misstep can result in hefty costs for their policies.

As the parent of a teen or young driver, the best way to get affordable rates is to encourage and reward safe driving.

If a person needs student car insurance or wants to switch providers, then they need to compare quotes and companies as soon as possible to find the best deals.

Compare student car insurance quotes with the free online tool by typing in your zip code right now!

FREE Car Insurance Comparison

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