How do I afford car insurance in college?

I am a college student. I am already neck-deep in debt, but I absolutely need a car. How do I afford car insurance as a college student?

Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I hear you! College is expensive enough, and spending too much money on car insurance is the last thing you need. You can help keep your car insurance costs low by asking your provider about student discounts and using an insurance broker like the
app to shop for the most affordable quotes.
Many insurance companies offer
“good student” discounts
. The eligibility requirements vary from company to company, but discounts are often available for students who:
  • Have at least a 3.0 GPA or a B average
  • Are under 25
  • Are enrolled full-time
Certain insurance companies also provide discounts for members of certain:
  • Fraternities
  • Sororities
  • Honor societies
  • Student associations (ex: American Medical Student Association)
  • Clubs
Some other common discounts may be available if you:
  • Bundle auto and renters insurance (if you’re renting an apartment)
  • Install upgraded safety and anti-theft features in your car
  • Have a good driving record
  • Complete a driving education course
It’s also a good idea to compare insurance quotes to make sure you’re getting the best rate. College students are busy, which is why the insurance broker app
can handle all the paperwork and phone calls for you. Jerry compares dozens of quotes to help you find the most affordable policy quickly and painlessly.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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