Best Car Insurance for College Students in 2025 – Books, tuition, and housing cost a lot of money for college students. Getting car insurance as a student is quite expensive; this is because of the high rates for insurance coverage. Luckily, some of the best car insurance for college students in 2025 has been discovered. These car insurance companies allow you to save on insurance as a young driver.
Identifying the best car insurance for college students helps you make better decisions when selecting car insurance. If you are a college student who owns a car, getting car insurance coverage is quite important to keep you from making out-of-pocket payments for unforeseen occurrences. However, car insurance is known to be very expensive, especially for young adults. This write-up contains all the information you need concerning the best car insurance for college students in 2025.
Best Car Insurance for College Students in 2025
When selecting the best car insurance companies for college students, you need to look out for their rates and discounts offered. Insurers such as State Farm, Progressive, USAA, Travelers, and Geico are some of the cheapest car insurance for students. However, some of the best car insurance for college students for 2025 are
HDFC ERGO
This is one of the best insurance companies in the insurance market. College students should purchase car insurance from HDFC ERGO because they have a large network of cashless garages in the country. The insurance company has added the ‘Pay as You Drive’ feature to its car insurance. This feature allows college students to get car insurance at cheaper rates. College students who drive less than 10,000 km per year have better chances of enjoying benefits from this car insurance company.
Reliance General
This insurer offers comprehensive car insurance coverage that is useful to cover car damages, along with third-party car damages. Without any paperwork required, you can easily purchase this car insurance. Reliance General has good digital conversion life chat features with a flexible customer service support number. This company offers no-claim bonus rewards of up to 50% and elective deductibles, which help college students save on premiums on car insurance.
Bajaj Allianz
Bajaj Allianz car insurance policies are some of the best options for college students. It renders PAYD and flexible factors that attract large premium discounts to cover car damage. This car insurance company improves large claim settlement ratios with a 24/7 assistant for future emergencies. Every process related to car insurance is completely digitally recorded, and claims are processed within just a day.
Digit Insurance
For college students, this insurance company is identified as the best to purchase car insurance from. This is because it has a complete digital conversion renewal, purchasing process, chatbot system, self-inspection, and no paperwork. Aside from these features, this company offers Pay as You Drive coverage, which allows college students to save up to a maximum of 25% on damage premiums.
SBI Car Insurance
Every policyholder searches for a trusted car insurance company, and SNI car insurance has been discovered to be one of the most trusted car insurance companies to purchase insurance from. This insurer has a strong claim settlement ratio. It also has strong digital conversion, customer care, and claim settlement services. College students can easily submit claims and required documents through the online mobile app.
What is the cheapest car insurance for college students?
Some car insurance companies are cheaper for college students to work with. The cheapest car insurance provider identified so far is USAA. It is an affordable car insurance company where college students can purchase car insurance. Unfortunately, this insurer is only available to collect students from a military family. For students who do not qualify for this car insurance provider, Geico is another cheap car insurer to work with.
Do I need to get car insurance if I don’t have a car in college?
There is no need to get car insurance if you do not have a car in college. In cases where you already have car insurance and you won’t be bringing your car to school, you may need to get a new policy. This may cause a lapse in your policy, causing your car insurance company to consider you a high-risk driver and charge you more for insurance. It is a good idea to remain on your parents’ car insurance policy if you can. If you can’t, consider getting a non-owner car insurance policy, which will cover you at the minimum liability limits of your state if ever you drive someone else’s car.
