How do I get cheap car insurance at 20?

I just turned 20, am living far away from my hometown while going to college, and just got my first part-time job. My parents have already given me a lot of support, so I want to help them out by getting my own car insurance. I'm definitely looking for cheaper insurance, which I know might be difficult as a younger driver. How can I find cheap car insurance if I’m 20?

Younger drivers are often considered higher-risk by insurers—so any plan you get on your own will likely be pretty tough on your wallet. If you are determined to strike out on your own, though, there are some ways to get deals and savings as a college student:
  • Shopping around for insurance. Insurance rates can vary pretty significantly, even for the same person. A great tool to shop with is Jerry—we’ll get you free quotes from multiple different providers so that you can be sure you’re getting the best deal possible!
  • Good grades. Your grades can get you better deals on insurance premiums if you keep them up! Make sure to ask about any college-related discounts once you settle on a provider.
  • You’ve taken a defensive driving course. If you’ve taken defensive driving courses, you might be considered less of a risk than your peers, which could mean lower insurance rates.
  • A good credit score. This indicates that you’re a responsible person in other areas of life, which could lower your premium.
With these tips, you’ll hopefully be able to lower your insurance rates significantly. Good luck, and happy shopping!
Ben Guess
Answered on Nov 02, 2021
Ben has a BA in Journalism + Design from The New School, as well as three years’ experience in content writing and data journalism. They are deeply interested in how the car industry intersects with issues of inequity in the world, as well as in making auto insurance more accessible through writing. When they’re away from the keyboard, they enjoy baking, embroidering, and playing Dungeons and Dragons with friends. They are based in Boston, Massachusetts.

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