{"id":358234,"date":"2025-11-14T06:07:53","date_gmt":"2025-11-14T11:07:53","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=358234"},"modified":"2025-11-14T06:07:54","modified_gmt":"2025-11-14T11:07:54","slug":"best-for-students","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-for-students\/","title":{"rendered":"How to Get Cheap Car Insurance for Students"},"content":{"rendered":"\n<p>Car insurance for students remains among the most expensive across age groups. Premiums have risen sharply since 2020 \u2014 the motor vehicle insurance index increased about 19% year over year and is roughly half higher than pre-2020 levels \u2014 and the national average for full coverage across all drivers was around $2,543 in 2024. Student and teen drivers often pay 2\u20133x that level. Therefore, finding <a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-to-get-cheap-insurance\/\">cheap car insurance<\/a> for students can be difficult, but it&#8217;s not impossible.&nbsp;<\/p>\n\n\n\n<p>There are companies that consistently offer competitive options for students without sacrificing value. State Farm, Geico, Progressive, USAA (for eligible military families), Nationwide, and regional carriers like Erie and Amica are often strong quotes for young drivers, though pricing varies widely by state, ZIP code, and profile.<\/p>\n\n\n\n<p>To select the best car insurance for students, we considered factors such as:&nbsp;<\/p>\n\n\n\n<ul><li>Financial strength<\/li><li>Customer satisfaction<\/li><li>Discount availability (good student, distant student) and telematics\/pay-per-mile options<\/li><li>Average premiums and price stability<\/li><\/ul>\n\n\n\n<p>Finding affordable auto insurance for college students can be challenging, so it\u2019s also important to compare quotes that include student discounts and telematics\/pay-per-mile options to identify the <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">best deals<\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The 6 Best Car Insurance for College Students<\/h2>\n\n\n\n<ul><li><a class=\"achor-toggles\" href=\"#erie\"><strong>Erie:<\/strong> Best for Regional Value and Cheap Premiums<\/a><\/li><li><a href=\"#usaa\"><strong>USAA:<\/strong> Best for Customer Service (Military Families Only)<\/a><\/li><li><a href=\"#geico\"><strong>Geico:<\/strong> Best for Discounts and Low Rates<\/a><\/li><li><a href=\"#aaa\"><strong>AAA:<\/strong> Best for Emergency Roadside Assistance<\/a><\/li><li><a href=\"#travelers\"><strong>Travelers:<\/strong> Best for Claims Processing and Telematics<\/a><\/li><li><a href=\"#progressive\"><strong>Progressive: <\/strong>Best for Customized Coverage and Telematics<\/a><\/li><\/ul>\n\n\n\t\t\n<section id=\"block_5fce4737ad31f\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Top Auto Insurance for Students<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE PRICE FOR 19 YEAR OLDS*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Student Discount\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. POWER OVERALL CUSTOMER SATISFACTION**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fce4737ad31f-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Erie<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,601<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>848\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fce4737ad31f-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,637<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>891\/1,000**<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fce4737ad31f-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$3,008<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Up to 15%<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>843\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fce4737ad31f-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">AAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$4,755<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Up to 14%<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A**<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fce4737ad31f-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Travelers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$3,666<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Up to 8%<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>824\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fce4737ad31f-6\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='6'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Progressive<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$3,761<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information accurate as of: 11\/14\/2025<\/em><\/p>\n\n\n\n<p><em>*Benchmarks from recent national analyses (Bankrate, NerdWallet, The Zebra)<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s 2024 U.S. Auto Insurance Study average rating. Based on a 1,000-point scale. AAA uses different third-party providers to underwrite its policies, so scores may vary per location. USAA is not officially ranked due to eligibility restrictions.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"erie\">Erie<\/h2>\n\n\n\n<p>Often among the lower-cost options for college-age drivers where it operates, with strong service reputation; actual prices vary by state and have risen since 2020.<\/p>\n\n\n                                                \n\n\n<section id=\"erie-insurance-auto\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">ERIE Insurance Auto<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Cheapest Premiums<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                So affordable, you don\u2019t need discounts.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=343300-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,601*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">848**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                So affordable, you don\u2019t need discounts.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Cheapest provider for college students based on Bankrate\u2019s data<\/li>\n                            <li>Not yet available nationwide<\/li>\n                            <li>Fewer complaints than would be expected with a company of its size<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Doesn\u2019t offer as many discounts<\/li>\n                                    <li>No smartphone app<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal item coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pet coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Travel expense coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pay in full<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Driver training course<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Vehicle storage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bundling<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multiple vehicles<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Further Reading on Reviews.com:<\/strong><\/h4>\n\n\n\n<ul><li><strong>&nbsp;<\/strong><a href=\"https:\/\/www.reviews.com\/insurance\/car\/erie-review\/\">Erie auto insurance review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/erie-review\/\">Erie renters insurance review<\/a><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"usaa\">USAA<\/h2>\n\n\n\n<p>USAA serves military families and continues to earn top-tier satisfaction marks; eligibility limits apply to active-duty, veterans and qualifying family members.<\/p>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Service<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Although it isn\u2019t officially rated with J.D. Power, USAA often receives high scores for customer satisfaction.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,637*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">891**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Although it isn\u2019t officially rated with J.D. Power, USAA often receives high scores for customer satisfaction.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Awesome customer service<\/li>\n                            <li>Financially strong<\/li>\n                            <li>Great online resources<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Not the cheapest in the business<\/li>\n                                    <li>Not as many discounts<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Military Uniform Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Replacement Cost Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Identity Theft Coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multiple Policies<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claims Free<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Further Reading on Reviews.com:<\/strong><\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA auto insurance review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA homeowners insurance review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\">USAA renters insurance review<\/a><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"geico\">Geico<\/h2>\n\n\n\n<p>Offers a wide range of discounts to help you get an affordable premium, including a Good Student discount (up to 15% where available) and a telematics program that can reward safe driving.<\/p>\n\n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                You may not qualify for every discount, but Geico goes above and beyond with the amount of discounts it offers to its customers.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$3,008*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">843**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                You may not qualify for every discount, but Geico goes above and beyond with the amount of discounts it offers to its customers.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Large array of discounts<\/li>\n                            <li>Great mobile app<\/li>\n                            <li>Cheap even without discounts<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Average customer support rating<\/li>\n                                    <li>May be difficult to find a local agent<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ridesharing insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mechanical breakdown insurance<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accident free<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Federal employee<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multiple vehicles<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Safety equipment<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Defensive driving<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">U.S. military<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*J.D. Power&#8217;s 2024 U.S. Auto Insurance Study average rating. Based on a 1,000-point scale.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Further Reading on <\/strong><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\"><strong>Reviews.com<\/strong><\/a><\/h4>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aaa\">AAA<\/h2>\n\n\n\n<p>Never worry about getting stranded with AAA\u2019s emergency roadside assistance; membership benefits can complement your auto policy.<\/p>\n\n\n                                                \n\n\n<section id=\"aaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">AAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Emergency Roadside Assistance<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                If you\u2019re driving back home a lot while in college, you need a company with solid roadside assistance.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=308190-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Get a quote<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$4,755*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                If you\u2019re driving back home a lot while in college, you need a company with solid roadside assistance.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Great roadside assistance<\/li>\n                            <li>Joining AAA comes with multiple benefits outside of insurance<\/li>\n                            <li>Financially strong<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Offerings depend on what state you\u2019re in<\/li>\n                                    <li>Must join AAA to access auto insurance<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pet coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Gap insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Custom equipment coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Safe driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multiple car<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multiple policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Paid in full<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accident free<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Safety features<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>**AAA uses third-party providers to underwrite its policies and score may vary per location.<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Further Reading on <\/strong><a href=\"https:\/\/www.reviews.com\/insurance\/car\/aaa-review\/\"><strong>Reviews.com<\/strong><\/a><strong>:<\/strong><\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/aaa-review\/\">AAA auto insurance review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/aaa-review\/\">AAA homeowners insurance review<\/a><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"travelers\">Travelers<\/h2>\n\n\n\n<p>Known for steady claims handling and a strong telematics option (IntelliDrive) that can help safe student drivers lower premiums.<\/p>\n\n\n                                                \n\n\n<section id=\"travelers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Travelers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Claims Processing<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                You likely won\u2019t be calling Travelers to check the status of a claim.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325153-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$3,666*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">824**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                You likely won\u2019t be calling Travelers to check the status of a claim.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Fast processing of claims<\/li>\n                            <li>Easy to get a quote online<\/li>\n                            <li>Many discounts<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Rideshare insurance not available in every state<\/li>\n                                    <li>Customer satisfaction rates could be higher<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Gap insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rideshare insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New car replacement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Responsible driver<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-car<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Safe driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Paid in full<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Defensive driving course<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New car<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Further Reading on <\/strong><a href=\"https:\/\/www.reviews.com\/insurance\/car\/travelers-review\/\"><strong>Reviews.com<\/strong><\/a><\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/travelers-review\/\">Travelers auto insurance review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/travelers-review\/\">Travelers homeowners insurance review<\/a><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"progressive\">Progressive<\/h2>\n\n\n\n<p>Allows you to fully customize your insurance package and opt into Snapshot telematics for potential safe-driving savings.<\/p>\n\n\n                                                \n\n\n<section id=\"progressive\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Progressive<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customized Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Customize your insurance policy with Progressive.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325339-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$3,761*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Customize your insurance policy with Progressive.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Truly customizable insurance policies<\/li>\n                            <li>Strong online and mobile tools<\/li>\n                            <li>Few amount of complaints for a company of its size<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Average customer satisfaction<\/li>\n                                    <li>Could be financially stronger<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rideshare<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Gap insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pet injury<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Custom parts<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Automatic payments<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Paperless\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-car<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Distant student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Online quote<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Further Reading on <\/strong><a href=\"https:\/\/www.reviews.com\/insurance\/car\/progressive-review\/\"><strong>Reviews.com<\/strong><\/a><\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/progressive-review\/\">Progressive auto insurance review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/progressive-review\/\">Progressive homeowners insurance review<\/a>\u00a0 <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/progressive-review\/\">Progressive renters insurance review<\/a>\u00a0 <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/progressive-review\/\">Progressive motorcycle insurance review<\/a><\/li><\/ul>\n\n\n\n<p><em>*Benchmarks from recent national analyses (Bankrate, NerdWallet, The Zebra)<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s 2024 U.S. Auto Insurance Study average rating. Based on a 1,000-point scale.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Current Benchmarks for Student Car Insurance Costs<\/h2>\n\n\n\n<p>Car insurance rates are influenced by a variety of factors, including:&nbsp;<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-credit-scores-affects-rates\/\">Credit score<\/a> (in most states)<\/li><li>State<\/li><li>Age of car<\/li><li>Type of car<\/li><li>Driving history<\/li><li>Insurance history<\/li><li>Coverage choices and deductibles; participation in telematics\/usage-based programs<\/li><\/ul>\n\n\n\n<p>Quotes today may be notably higher than 2020 figures. As directional 2024\u20132025 benchmarks: a 16-year-old on their own policy often pays about $6,000\u2013$9,000 per year for full coverage; an 18-year-old averages just over $5,000; and a 20-year-old typically sees roughly $3,500\u2013$4,200. Being added to a parent\u2019s policy is usually substantially cheaper than buying a standalone policy. Actual premiums vary by state, insurer and driver profile.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Student driver profile<\/strong><\/td><td><strong>Typical annual full coverage benchmark*<\/strong><\/td><\/tr><tr><td>16-year-old on own policy<\/td><td>$6,000\u2013$9,000<\/td><\/tr><tr><td>18-year-old on own policy<\/td><td>Just over $5,000<\/td><\/tr><tr><td>20-year-old on own policy<\/td><td>$3,500\u2013$4,200<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Benchmarks drawn from recent national studies (Bankrate, NerdWallet and The Zebra); actual quotes vary by state, insurer and profile<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Auto Insurance Discounts for Students<\/h2>\n\n\n\n<p>Some of the best car insurance student discounts include:<\/p>\n\n\n\n<ul><li><strong>Good Student Discount:<\/strong> Maintain a 3.0 GPA (or meet your insurer\u2019s criteria) and you can earn meaningful savings; for example, some carriers advertise up to 25% off for eligible good students, while others cap this around 15%.<\/li><li><strong>Driver\u2019s Education\/Defensive Driving and Telematics:<\/strong> Approved driver training can reduce costs, and many companies now offer usage-based programs that can deliver double-digit savings for safe driving \u2014 sometimes up to 30%\u201340% depending on the carrier and state.&nbsp;<\/li><li><strong>Military Discount:<\/strong> Military members and families often qualify for savings; eligible households should also compare USAA, which consistently performs well on price and service.&nbsp;<\/li><li><strong>Distant College Student Discount:<\/strong> If you live roughly 100+ miles from home and don\u2019t take the car to school, many insurers offer a discount based on reduced vehicle access and mileage. If you\u2019re studying online from home, you typically won\u2019t qualify; consider telematics\/low\u2011mileage options instead.&nbsp;<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">State Differences and Good Student Savings<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>State or scenario<\/strong><\/td><td><strong>Indicative premium for 19-year-olds with good student*<\/strong><\/td><td><strong>Without good student*<\/strong><\/td><td><strong>Savings<\/strong><\/td><\/tr><tr><td>Hawaii**<\/td><td>Age not used for rating; premiums vary by other factors<\/td><td>Age not used for rating; premiums vary by other factors<\/td><td>N\/A<\/td><\/tr><tr><td>Lower-cost states (e.g., Maine, Idaho)<\/td><td>Often below national averages; varies by ZIP\/insurer<\/td><td>Same profile without discount<\/td><td>Good student commonly 10%\u201325% on eligible coverages<\/td><\/tr><tr><td>Mid-cost states (e.g., Ohio, Iowa)<\/td><td>Near national averages; varies by ZIP\/insurer<\/td><td>Same profile without discount<\/td><td>Similar 10%\u201325% potential, varies<\/td><\/tr><tr><td>High-cost no-fault states (e.g., Florida, Michigan, New Jersey, New York)<\/td><td>Typically much higher than national averages<\/td><td>Higher still without discount<\/td><td>Discount helps but overall costs remain elevated<\/td><\/tr><tr><td>Large metro\/urban areas<\/td><td>Rates reflect higher traffic and claim costs<\/td><td>Higher without discount<\/td><td>Varies by carrier and ZIP<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*General patterns from recent national studies; verify current quotes for your ZIP<\/em><\/p>\n\n\n\n<p><em>**Hawaii does not use age as a rating factor when pricing policies.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Should You Take Your Car to College?<\/h2>\n\n\n\n<p>If you take your car to college, you won\u2019t be stuck limiting your grocery shopping to what you can carry back home. Plus, having a car makes it easier to get a job off campus.&nbsp;<\/p>\n\n\n\n<p>But there are a few reasons not to take your car to college, including:<\/p>\n\n\n\n<ul><li>Parking may be extremely difficult<\/li><li>You may have to pay extra for a parking pass<\/li><li>Many colleges discourage students from taking a car, and some even make it against the rules<\/li><\/ul>\n\n\n\n<p>And then there\u2019s insurance to consider. If you leave your car at home, your insurer may offer a distance-based \u201cstudent away at school\u201d discount when you live roughly 100+ miles from home and don\u2019t have the car on campus. If you\u2019re studying online while living at home, you typically won\u2019t qualify for that discount \u2014 but low\u2011mileage and telematics programs may offer alternative savings.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can You Stay on Your Parents Insurance?<\/h2>\n\n\n\n<p>Often it makes financial sense to stay on your parents\u2019 insurance. Young drivers rated on a household policy usually pay far less than they would on a standalone policy, and many families save in the low\u2011thousands per year by keeping a student on the family plan when eligible.&nbsp;<\/p>\n\n\n\n<p>Another reason to stay is for your insurance history. Insurers generally prefer continuous coverage with no large gaps. Even if you drive infrequently at school, maintaining coverage can help keep future rates lower.&nbsp;<\/p>\n\n\n\n<p>However, it&#8217;s better to get your own insurance policy if:<\/p>\n\n\n\n<ul><li><strong>You get married\/you no longer plan to live at home:<\/strong> Though there\u2019s no age limit on when you have to get your own policy, if you no longer live at home, most insurance companies require you to be taken off of your parents\u2019 policy.<\/li><li><strong>You buy a car in your name:<\/strong> If you own your own car, you need to get your own insurance policy.<\/li><li><strong>Your parents have a bad driving record:<\/strong> It might be financially advantageous for you to have your own policy if your parents have a bad driving record.&nbsp;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Why Your Friends Can&#8217;t Drive Your Car<\/h2>\n\n\n\n<p>There are many reasons that you shouldn&#8217;t let your friends drive your car. First and foremost, if they get into an accident, you and your insurance provider may be deemed financially responsible if your friend is found to be at fault. This means you will be the one expected to pay for any damages should they exceed your policy limits. And if the other person decides to sue, you will be the one taken to court. When this happens, even if it\u2019s just a fender bender, you can also <a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-car-accident-affect-insurance\/\">expect your monthly and yearly premium to go up<\/a>.&nbsp;<\/p>\n\n\n\n<p>There\u2019s also overall safety to consider. Each car accelerates, turns, and brakes a little differently from one another. If your friend wants to take your car on the highway, they could be putting themselves in danger if they don\u2019t have much driving experience.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is Covered By Car Insurance<\/h2>\n\n\n\n<ul><li><strong>Bodily injury<\/strong>: If you injure someone else in an accident, your insurance provider will cover their medical costs up to your policy limit.<\/li><li><strong>Property damage<\/strong>: Damage another car or person\u2019s property, and your insurance provider will pay for repairs up to your policy limit.<\/li><li><strong>Personal injury protection<\/strong>: Should you get into an accident, this coverage option covers you and your passengers\u2019 medical costs up to your policy limit.<\/li><li><strong>Uninsured\/ underinsured motorist protection<\/strong>: This protects you in the event you get into an accident with a person who has little to no insurance protection.<\/li><li><strong>Collision<\/strong>: No matter who is considered at fault, collision protection will pay for your car\u2019s repair or replacement up to your policy limit.&nbsp;<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\"><strong>Comprehensive<\/strong><\/a>: If your car is damaged while you\u2019re not driving it, this coverage option will pay for its repair\/replacement up to your policy limit.&nbsp;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What is not covered by Car Insurance<\/h2>\n\n\n\n<ul><li><strong>Any amount that exceeds your policy limit:<\/strong> If you get into an accident that does more damage than your policy accepts, you will be responsible for the remaining amount.&nbsp;<\/li><li><strong>High performance cars:<\/strong> If you have a highly valuable car, it\u2019s likely that a regular insurance policy won\u2019t cover it. You will need a specialized type of insurance to make sure it is protected.&nbsp;<\/li><li><strong>Gradual wear and tear:<\/strong> Your insurance provider will not help you replace parts damaged from normal wear and tear, like your tires or brakes. Anything that is considered a loss due to normal usage is not covered.&nbsp;&nbsp;<\/li><li><strong>Ridesharing:<\/strong> Driving for a transportation network company or delivery is typically excluded under a standard personal auto policy unless you add a specific rideshare\/delivery endorsement.&nbsp;<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Methodology<\/h3>\n\n\n\n<p>Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.&nbsp;<\/p>\n\n\n\n<p>For pricing context, we reference recent national studies indicating an average full-coverage premium around $2,543 across all drivers and substantially higher averages for teens and young adults. Student benchmarks used include national analyses showing ~$6,000\u2013$9,000 (age 16), just over $5,000 (age 18), and roughly $3,500\u2013$4,200 (age 20) for full coverage on a standalone policy.<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>\u201cFull coverage\u201d in most consumer studies includes liability (often 100\/300\/50), plus collision and comprehensive with standard deductibles; \u201cminimum coverage\u201d reflects each state\u2019s minimum required liability. Vehicle and driver assumptions vary by publisher, and results differ by state.<\/p>\n\n\n\n<p>Hawaii does not use age as a rating factor.<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Car insurance for students remains among the most expensive across age groups. Premiums have risen sharply since 2020 \u2014 the motor vehicle insurance index increased about 19% year over year and is roughly half higher than pre-2020 levels \u2014 and the national average for full coverage across all drivers was around $2,543 in 2024. Student [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":358228,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[17789],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Get Cheap Car Insurance for Students - Reviews.com<\/title>\n<meta name=\"description\" content=\"Using this guide you can understand How to Get Cheap Car Insurance for Students\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-for-students\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Get Cheap Car Insurance for Students - 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