How to get cheap car insurance for a 20 year old?

I'm 20 years old and just about to start my sophomore year of college. I have my car with me—and I’m stuck paying for my own insurance now. How can you get cheap car insurance at 20?

Congrats on starting your second year of college! Luckily for you, there are some easy ways to try for cheap car insurance as a young driver.
Of course, it’s cheaper to be on your parents’ policy than to take one out on your own. Since you’re responsible for you own insurance, though, the best things to do are shop around with multiple providers and look for discounts.
Drivers under 25 face the highest insurance rates of any age group. However, some providers charge lower rates for young drivers than others. Comparing quotes online can help you identify the lowest rates available to you.
Additionally, finding and applying for discounts can help make insurance with any provider more affordable. Common discounts for which you might be eligible include:
  • Good student discount
  • Defensive driving course discount
  • Limited use discount (driving fewer miles a year)
  • Telematics discount (using a “safe driving” tracking app)
If you’re not sure where to start, just use Jerry! Sign-up only takes 45 seconds, and you’ll be presented with dozens of competitive quotes for your desired coverage level. (Minimum or liability-only coverage will be cheaper than full-coverage.)
Carlos Kirby
Answered on Nov 04, 2021
Carlos has a BA in Media Production and Marketing from Loyola University of Chicago, as well as almost 5 years of content editing and writing experience. He has operated his own freelance creative studio over the past 5 years and aspires to be a Creative Director for an Creative Agency. He is currently located in Chicago, IL and enjoys creating digital art and taking bike rides along the lakefront during his free time!

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