Auto Insurance for High School Students (Rates & Discounts)
High school student auto insurance rates average $690/mo and are often the most expensive because teen drivers carry more risk than older experienced drivers. You can lower your high school student auto insurance rates by adding a teen to their parents' policy and asking about good student car insurance discounts. Read our guide for more ways to save money on car insurance for students. You can also shop for cheaper car insurance for students with our free comparison tool below.
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UPDATED: Jul 18, 2021
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- High school student auto insurance is very expensive, even with a clean driving record
- Adding a student to a parents’ car insurance policy will be cheaper than the student getting an individual policy
- Take advantage of discounts, such as good student discounts, to lower rates
When it comes to costs, high school student auto insurance is some of the highest out there.
Finding affordable high school student auto insurance can be difficult. As a teenage driver, you’re one of the least experienced drivers on the road. You’re more likely to make a car insurance claim than virtually any other driver.
Understanding auto insurance for students will prepare you to find the best coverage for your high school student. Fortunately, high school students across the country successfully get car insurance every year.
Some high school students save money by getting bundled under their parents’ policy. Other high school students save money on car insurance by taking advantage of good grade discounts and other programs.
Today, we’re explaining everything you need to know about getting cheaper car insurance for students.
Shop around for high school student car insurance rates to save money on the coverage your student needs. Each company will charge different rates so comparison shopping is a must.
Before you buy high school student auto insurance, enter your ZIP code to compare quotes to find the rates out there.
What’s the average price of auto insurance for high school students?
Car insurance companies base rates on a variety of factors. These include age, driving record, gender, and where you live.
Since teens are young with little driving history, drivers who are 16, 17, and 18 years old will pay some of the highest insurance rates in the United States.
You are the riskiest driver to insure: you’re young and inexperienced. Even if you’re a perfectly safe driver with what’s considered a clean driving record, your insurance company only has two or three years of ‘proof’.
If you’re buying your own car insurance policy as a high school student, you can expect to pay between $7,600 and $9,000 per year for car insurance, or about $630 to $750 per month.
Take a look at this table to see just how much more on average younger drivers pay.
|Age, Gender, and Marital Status||Average Monthly Auto insurance Rates|
|Single 17-year-old male||$752|
|Single 17-year-old female||$630|
|Single 25-year-old male||$241|
|Single 25-year-old female||$225|
|Married 35-year-old female||$204|
|Married 35-year-old male||$204|
|Married 60-year-old male||$192|
|Married 60-year-old female||$187|
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In certain states, high school drivers may even pay more than $10,000 per year for car insurance – especially if it’s a full coverage car insurance policy on a higher-end vehicle.
Bundling yourself under your parents’ policy can substantially reduce this cost. Let’s say your parents pay about $1200 per year for car insurance. Adding a teen driver to that insurance policy can double or even triple rates – but it’s still cheaper than getting your own policy.
Auto insurance for college and graduate students will still be expensive, but much less expensive than insurance for high school students.
Do male high school students pay more than females for auto insurance?
There’s no riskier driver to insure than a 16 or 17-year old male driver – at least according to your insurance company.
Male high school students always pay more for car insurance than female high school students, all other things being equal.
Accident rates back up this price difference: male drivers tend to be riskier drivers to insure. They’re more likely to get into more serious accidents. Overall, male teenage drivers cost insurance companies more money than female teenage drivers.
As you get older, this trend reverses: men in their 40s and 50s tend to pay less for car insurance than women of the same age. When you’re young and in high school, however, you will inevitably pay more for car insurance as a male high school student.
It’s important to note that not all states allow gender to be used to calculate car insurance rates. For example, The Washington Post reports that California no longer allows gender to be used to influence auto insurance rates.
What are the best auto insurance discounts for high school students to lower rates?
Car insurance for students is very expensive. However, with a little bit of research, you can save thousands by taking advantage of these discounts:
- Ditch Collision and Comprehensive Coverage: Many high school students drive older, used, less-valuable vehicles. If you’re driving an older vehicle, then you may want to get rid of collision and comprehensive coverage on that vehicle. These optional policies cover damage to your own vehicle. You’ll still have liability coverage, which protects other people and vehicles. Liability coverage is mandatory.
- Good Grade Discounts: Do you have a B or higher average in your high school classes? Many insurance companies reward good grades with cheaper car insurance rates.
- Defensive Driving Classes: Many high school drivers take a defensive driving class before taking their driving test. If you went to driver’s education or took a defensive driving class, then you may qualify for a car insurance discount.
- Bundling Discounts: Bundling multiple vehicles and insurance policies with one company can lower car insurance rates. Make sure your parents’ car insurance policies, home insurance policies, and other insurance options are all with one company to maximize savings.
- Telematics: Telematics offers car insurance discounts based on your driving habits. Things like your speed, the time of day you drive, and how many times you brake hard are measured to determine if you can get a discount. Students can be rewarded for safe driving.
If you are a student without a car, you might consider temporary car insurance just for those days you will be driving.
All of these are ways to figure out who is the best car insurance company for your student. Compare quotes to find great coverage at the cheapest price.
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Should high school students get their own auto insurance or be added to their parents’ policy?
The first and most important decision you need to make about car insurance is whether to get your own policy or add yourself to your parents’ policy.
Most high school students still live at home with one or both parents. If you live at home with a parent, then you should be able to add yourself as a named driver under your parents’ insurance policy. This will significantly raise the costs of your parents’ policy, but it can save you thousands of dollars per year on car insurance.
Alternatively, if your parents don’t want higher insurance rates, or if you’re living away from home for high school, then you may want to get your own car insurance policy. Getting your own car insurance policy can be very expensive, but it’s the only option for certain high school drivers.
How do you get added to your parents’ auto insurance policy?
In many cases, your parents’ car insurance company will reach out first. Your parents likely provided the names and birthdates of their children when they signed up for the car insurance policy.
The insurance company may notice that you recently turned 16 and got your license, for example, and wants to make sure you’re listed as an insured driver on your parents’ policy.
If the insurance company does not reach out first, then contact the car insurance company and explain the situation. Generally, your parents should be the ones contacting their car insurance company to add you to the policy.
Talk through the changes to your policy in detail. Make sure you understand the minimum and maximum coverage limits.
If you have your own vehicle, then that vehicle will need to be added to the insurance policy. If you plan on driving a family vehicle, then you may need to be listed as a primary or secondary driver on that vehicle.
The insurance company will ask for your basic information, including the date you received your license, your birthdate, and other info.
How do you buy your own auto insurance policy?
Some high school drivers will buy their own car insurance policies. There’s nothing wrong with this approach, but it can significantly raise the price of car insurance. Expect to pay anywhere from $4,000 to $10,000 per year for car insurance on your own policy as a high school driver.
To buy your own car insurance, simply compare quotes online using our own website. A Triple A insurance quote (AAA) will be very different from a GEICO quote so get rates from many different companies to compare.
Or, visit insurance company websites directly. You can input your basic info and car details before getting a customized quote.
Pick the car insurance policy that meets your unique needs and budget.
Do you need special auto insurance under a learner’s permit?
If you have a learner’s permit, then you typically do not need to get special car insurance. You do not need to be added under your parents’ policy, nor do you need to have your own car insurance.
Once you graduate to a full license, then you will need to change your insurance policy. Under most insurance policies in most states, however, you do not need to change your insurance under a learner’s permit.
We recommend checking with your insurance company to verify that you don’t need special car insurance under a learner’s permit.
What’s the bottom line on auto insurance for high school students?
As a high school student, it’s generally in your best interest to get car insurance by adding yourself under your parents’ policy. Getting added to your parents’ policy may double or even triple your parents’ insurance rates, but it still costs much less than getting your own car insurance policy.
Ask for any discounts that you are eligible for and shop around to find the cheapest rates for students.
Enter your ZIP code now to compare high school auto insurance quotes to find the best coverage at the cheapest price.
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