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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?
Ben Guess · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
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 isJerry—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!
View full answer
- Gregory R.
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