Auto Insurance for High School (Rates & Discounts)

Looking for high school auto insurance rates? Students and teens raise rates up to $200 when added to an exisiting policy. Younger driver pose more of a risk on the road, which will change policies. Auto insurance for high school students can be lowered with programs, such as GEICO and State Farm’s good student discounts. Learn more.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 27, 2021

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What You Should Know

  • Student driver should expect to pay substantially more for car insurance than adults
  • Adding a teen to your auto insurance policy can add anywhere from $50 to $200 depending on your insurer
  • Several companies offer discounts for good students

When you’re in high school, auto insurance seems like an overwhelming thing to consider. High school auto insurance quotes will be determined based on several factors:

  • How long you’ve had your license
  • How many miles you drive
  • How many accidents or moving violations are on your record

Other factors may be out of your control, such as the claim rate in your area or the traffic congestion in your city. Keep reading to learn about the best auto insurance companies for high schoolers.

If you’re ready to start comparing affordable high school auto insurance policies, use our free tool. Enter your ZIP code now get find the best high school auto insurance company for your needs.

How much does it cost to add a teen to your policy?

Depending on what company you use and what state you live in, adding a teen in high school to auto insurance policies can be $98 (Liberty Mutual) or up to $172 (The General) for additional coverage.

Auto insurance for high school students is a tricky thing to navigate. Read our full guide for more answers.

In general, though, standard auto insurance policies will cover those in your household for occasional drives. This is also covered in cheap liability insurance.

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Best High School Auto Insurance

If you don’t want to be on your parents’ policy, you will find that your high school auto insurance rates will increase exponentially. Car insurance for teens is so high because of the risk involved.

Auto insurance is based on risk, and novice drivers — no matter how responsible — pose a higher risk than someone in their 20s or 30s.

Check out the table below to check out State Farm’s rates based on gender and age to get an idea of the difference in high school auto insurance rates to adults.

State Farm Average Annual Auto Insurance Rates by Age and Gender
Driver Gender and AgeAverage Annual Rates
Married 60-Year-Old Male$1,873.89
Married 60-Year-Old Female$1,873.89
Married 35-Year-Old Female$2,081.72
Married 35-Year-Old Male$2,081.72
Single 25-Year-Old Female$2,335.96
Single 25-Year-Old Male$2,554.56
Single 17-Year-Old Female$5,953.88
Single 17-Year-Old Male$7,324.34
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Speaking of the Illinois-based national insurance company, the State Farm Good Student discount is one of many options out there to lower your auto insurance rates.

Keep reading to learn about telematices and other discounts that’ll help you buy high school auto insurance with more affordability.

What student discounts do auto insurance companies offer?

According to the California Department of Insurance, student driver discounts are based on the idea that being a good student, would keep young drivers off the road more often. A “good student” often refers to someone who holds a B average.

The following companies offer discounts to good students:

  • State Farm
  • Nationwide
  • American Family

Are there telematics auto insurance for students? Telematic apps are beneficial to anyone who dowloads the app or installs the device.

Auto Insurance for High School: The Bottom Line

The most important thing to take away is that you need to be prepared for what comes with a driver’s license: The need to be safe on the road. Not only does driving safe keep you alive, but it will help you in the long run.

As you get older, you will be able to prove to auto insurers that you won’t pose an increased risk on the road. This evidence will result in lower rates and extra discounts.

Now that you’ve finished this high school auto insurance review, enter your ZIP code now to find a local auto insurance company.

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