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 Mar 21, 2023

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

Jerry

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

Jerry

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.

MORE:

Car insurance for college students

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