* Age: Younger drivers (especially under 25) generally pay significantly more.
* Driving history: Accidents, tickets, or even a single at-fault accident drastically increase premiums.
* Location: Insurance rates vary dramatically by state and even zip code due to accident rates and claim costs in the area.
* Car: The make, model, year, and safety features of the vehicle all influence premiums.
* Grades: Some insurers offer discounts for good grades.
* Driving habits: Telematics programs that track driving behavior can influence rates.
However, several insurers are *frequently* mentioned as being competitive for student drivers, often offering discounts targeted at students:
* Geico: Known for competitive pricing and often advertising student discounts.
* State Farm: A large, established insurer that may offer competitive rates depending on location and individual circumstances.
* Progressive: Offers various discounts and often uses a "name your price" tool, allowing you to see options within your budget.
* USAA: Exclusively for military members and their families, but offers excellent rates if you qualify.
* Nationwide: Another large insurer that sometimes offers competitive rates for students.
To find the cheapest option for *you*, you need to:
1. Get quotes from multiple companies: Don't rely on just one quote. Use comparison websites like The Zebra, NerdWallet, or Insurify to quickly compare rates from many insurers simultaneously.
2. Be honest and thorough: Provide accurate information when filling out applications; inaccuracies can lead to higher premiums or policy cancellations.
3. Explore discounts: Ask about student discounts, good student discounts, safe driver discounts, and any other potential savings.
4. Consider telematics: If offered, a telematics program might lower your rates if you demonstrate safe driving habits.
Remember, the "cheapest" isn't always the best. Compare coverage options as well. While a lower premium is attractive, inadequate coverage could be far more costly in the event of an accident.
