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Written by:
Prachi Singh
Contributing Writer
Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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A few years of experience under your belt and a clean record can help lower your annual car insurance premiums, but you typically won’t stop paying a penalty for your youth until you’ve been driving 10 years. Car insurance for college students is almost always tricky and expensive.

If you’re like most struggling students, you can’t wait that long and would prefer to get cheaper rates now in order to save for other things — like tuition.   

Here are ways in which to keep down your annual premiums as a student:

  • Try to stay on mom and dad’s policy. If you still live at home, or are going to school in-state, and your parents’ name is also on the title, it should be easy to remain on their car insurance policy instead of having the expense of getting your own.
  • Get good grades. The good student discount for keeping up your GPA can vary from 5 percent up to 25 percent depending upon your auto insurer.
  • Keep a clean driving record. Your rates will suffer if you’re involved in an accident or convicted of traffic violations, especially of a major one such as a DUI, since this shows you to be a high risk for your insurer. Because you already pay more for car insurance, the surcharges wind up bigger, too.
  • Carry only state required coverages. If your car is older and you own it outright, then you can save by not carrying collision or comprehensive coverage if you can either afford to fix the car if damaged or just replace it.  You may, however, want to carry higher liability limits if you have assets to protect.
  • Try usage-based auto insurance programs such as State Farm’s In-Drive or Progressive’s Snapshot. You can save up to 50 percent, if you are a very conservative driver. If you are an aggressive driver, drive during high-risk hours or put a lot of miles on your car, you may not qualify for a discount at all.
  • Look at insurance prices in various ZIP codes when moving to attend college. Insurance companies use your ZIP code to help determine the risks you’ll represent, so where you live by your school will affect your annual auto insurance premium. Use the tool below to see average car insurance rates for different ZIP codes.

Florida Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
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Male
COVERAGE TYPES
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*Please enter valid Zip
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist. Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others. Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
33315 Fort Lauderdale
For  30  Year Old   Male  (Type:  Liability - Minimum )
Average Monthly Premium
$91
highest rate Highest Rate $129/mo.
lowest rate Lowest Rate $47/mo.
Compare personalized quotes from up to 20 companies in Florida now
MOST & LEAST EXPENSIVE ZIP CODES in Florida
MOST EXPENSIVE PER MONTH
33012 - Hialeah: $128
33135 - Miami: $128
33013 - Hialeah: $128
33125 - Miami: $127
LEAST EXPENSIVE PER MONTH
32425 - Bonifay: $53
32440 - Graceville: $53
32431 - Cottondale: $53
32428 - Chipley: $53

— Michelle Megna contributed to this story.

Laura Longero

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Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Writer

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.