Read our guide to student car insurance and learn how to get your car insured on a tight student budget.
Running a car can be expensive on a student budget, not least because insurance premiums are typically high for student drivers. Read on to find out why student car insurance is expensive, and learn tips for saving on your insurance so you can continue to own a car through university.
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Why is student car insurance so expensive?
The cost of car insurance for students is typically higher than average, as most student drivers are under the age of 25 and are considered to be more of a risk on the roads than older drivers. Students are also are more likely to be new drivers, meaning they haven’t been able to earn any no claims discounts.
Even mature students may find their car insurance costs more than expected, as listing your occupation as student puts you in a high risk category. You may also be subject to higher premiums based on your new address if you’re moving away to study. Some university accommodation is in high crime areas, so be prepared for this if you want to take your car with you.
Don’t be tempted to change your occupation or address on your application in an effort to save money — honesty is always the best policy, as providing false information is considered as fraud.
Thankfully there are many ways to save on student car insurance, including choosing the right car, tailoring your details, and of course comparing quotes. Read our guide on how to save money on student car insurance for more information.
Should I keep my car?
Even though running a car as a student can be expensive, it’s likely you’ll still want to keep your car — after all, you’ve invested significant time and money into learning to drive. Even if you don’t drive much while at university, your car will certainly come in useful for trips home or getting around during the holidays. One major benefit of keeping your car at university is that you’ll be eligible to earn a no claims bonus, even if you only drive your car for a few weeks of the year.
If you have a car at university, you’ll need to decide whether to leave it at home or take it with you if you move away to study. The cost of your car insurance will depend on where your car is kept during term time, but there are ways to save whatever you choose to do — read our guides on leaving your car at home and bringing it with you to university, or get a quick student car insurance quote using the tool below.
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See a range of car insurance quotes in just a few minutes when you compare with uSwitch