Drivers under 25 pay the most, but students have several ways to cut the cost.
Discounts built for students
- Good student discount: a 3.0 GPA or better can save 10-25%.
- Student away at school: lower rates if you attend college more than 100 miles from home without a car.
- Defensive driving course: a small credit in many states.
Smart structural moves
- Stay on a parent's policy instead of buying your own (usually far cheaper).
- Drive an older, paid-off car and consider dropping collision on it.
- Use a telematics app to prove safe driving.
Build your record
A clean record for a few years is the single biggest long-term saver. Avoid tickets and at-fault accidents, and re-shop your policy every year as you age into lower rates.