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Student Auto Insurance

Teens are considered the highest risk drivers on the road today, which means that it has become more and more difficult for parents to find low-cost student auto insurance. What's worse: Male teens are viewed as the absolute highest risk group of drivers on the road today. Statistics show that the probability of a male teen between the ages of 16 and 17 having an accident is much higher than all other groups of drivers. And, according to the National Safety Council, drivers between the ages of 16 and 17 (male or female) are three times more likely to be killed in a car crash than drivers between the ages of 25 and 64.

While the accident risk for female teens is considerably lower than males, it is still higher than all other groups. This does not mean that your teen has had or will ever have an accident, but in the eyes of auto insurance companies, the risk is all that is needed to set student auto insurance rates at the highest levels in the industry.

If you think you can get around paying higher rates by adding your teen to your existing family insurance policy instead of buying a separate student auto insurance policy, think again! Adding a female teen to the family's auto insurance policy could double the policy rate and adding a male teen can more than triple the rate.

All things considered, it is possible to find a reasonable auto insurance policy for students and teens, but it is important to keep in mind that "reasonable" does not necessarily mean "cheap." There are several ways to help lower the costs of student auto insurance:

  • Inquire about special discounts for students with a B average or better.
  • The student can purchase his or her own personal auto insurance policy, especially if he/she happens to be driving an older vehicle.
  • Parents can classify the student as an "occasional" driver rather than a "primary" driver on the family auto insurance policy.
  • Students can enroll in a defensive driving course. Upon completion, he or she may qualify for a reduced premium
  • Parents can purchase a low-performance vehicle (sedan) for their teen rather than a high-performance sports car or SUV.

Get multiple free student auto insurance quotes here at AutoInsuranceTips.com. Simply enter your zip code in the box above to begin.