Insurance

Best Cheap Car Insurance for College Students – ValuePenguin

· Who has the best car insurance for college students? ... Geico has the best average rate for college-age drivers at $388 per month. But State Farm 
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Cheapest for college students: Geico

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

Geico also offers discounts to members of college-centered groups, like alumni associations, fraternities and sororities. So, if you’re a college student involved on campus, chances are you can receive good, discounted auto insurance rates. Get a quote online by clicking above or speak with an insurance agent to see if you qualify.

Cost of full-coverage car insurance for college-aged drivers

Best for discounts: State Farm

State Farm’s good-student discount offers up to 25% in annual auto insurance savings to eligible college students. The eligibility requirements vary by state, but typically the driver must be a full-time student and have a grade point average of at least 3.0 (out of 4.0). Fortunately, the discount lasts until drivers turn 25 years old, even if they graduate from college before then.

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State Farm’s student away-at-school discount is great for college students who live on a campus where a car isn’t necessary. It 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 they’re home on vacation or during 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 self-logging significant events that occur during their trips. If no violations or accidents occur during their trips, then they become eligible for a discount.

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 switching companies makes sense. Your monthly premium will consist of a base cost plus a per-mile fee, which means less driving equals lower insurance costs. Metromile claims that if you drive fewer than 12,000 miles per year, which is the national average, you will save money with its insurance.

Metromile doesn’t 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 go on a road trip. In New Jersey, Metromile won’t charge drivers for more than 150 miles per day.

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The company’s biggest drawback is its limited availability.

Currently, Metromile is 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, which is offered by most car insurance companies.

Best mobile apps: Allstate

Allstate Mobile allows users to access their plan information, manage claims and instantly connect to an insurance agent. You can file a claim right from the app, which we consider the best part. This saves you from long phone calls during what is usually a stressful time.

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Allstate’s QuickTrip app is a trip optimizer, which saves time and mileage. Drivers can enter as many locations as they wish to visit, and the app will find the optimal multistop route for the day. This is a great extra perk for college students, especially those with tight schedules.

While Allstate offers great mobile apps, it also has an extensive network of agents, which are available to answer your questions in person. This can be a huge benefit for college students who may be unfamiliar with the nuances of their auto insurance policies.

College students should be mindful, however, that Allstate’s policies are typically among the most expensive among major insurers. As a result, student drivers should carefully consider how they prioritize balancing service quality and cost.

Allstate has approximately 12,000 exclusive agencies spread across the country, meaning there’s likely one located near you. Ultimately, Allstate offers a great mobile experience and doesn’t skimp on in-person support.

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