Best Cheap Car Insurance Quotes for High School Students in New York

When the topic is car insurance, the word cheap really shouldn’t be used anywhere to describe car insurance prices. Regardless, cheap car insurance for high school students can seem impossible to find. Don’t let that ruin your day, because we will tell you how you can quote and buy car insurance that doesn’t break your budget.

Finding out which companies have the cheapest insurance rates for high school students involves a little more work than just quoting one company’s rates. Each auto insurance company uses their own calculation for establishing rates, so to begin we’ll rank the insurance companies with the overall best prices in New York.

Lowest Insurance Price Quotes for Students

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USAA may have some of the best car insurance rates in New York at around $1,152 a year. Erie, Travelers, Progressive, and Utica National also qualify as some of the cheapest New York car insurance companies.

In the above example, if you are currently insured with Erie and switched to USAA, you may realize a yearly savings of in the vicinity of $53. Policyholders with Travelers may save as much as $361 a year, and Progressive insureds might lower prices by up to $390 a year.

Be aware that those premium estimates are averaged across all types of drivers and the different vehicles they drive and are not factoring in a price increase for high school students. So the auto insurance company that can offer the best rates for your situation may not even be shown in the list above. That emphasizes why you need to get rate quotes using your own individual information.

Cost and performance of the vehicle on the policy is probably the biggest factor in finding cheap auto insurance for high school students. Vehicles with limited speed and performance, modern passenger safety features, or a positive history of liability claims will cost less to insure than higher performance models.

The data below shows coverage prices for some of the most economical automobiles to buy insurance for.

Data rating is based on single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in New York location which can raise or lower premiums significantly.

Prices based on single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in garaging location in New York which can modify auto insurance rates significantly.

Table data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in garaging location in New York which can influence coverage rates significantly.

When shopping for cheaper car insurance for teenagers, one of the many factors used to establish the amount you pay each year for auto insurance is where you keep your car in New York. Areas with high crime rates or more dense population like New York, Hempstead, and Yonkers tend to have more expensive car insurance rates, whereas areas with less congestion have the benefit of cheaper auto insurance prices.

The information below shows the most expensive cities in New York for high school students to purchase auto insurance in.

Rates are approximated as the specific garaging location can impact rates substantially.

The chart below shows how choosing a deductible can change yearly insurance costs when getting quotes for cheap insurance for high school students. The price estimates are based on a married male driver, full coverage, and no discounts are factored in.

The data above shows that a 50-year-old driver could lower their policy premium by $258 a year by switching from a $100 deductible up to a $500 deductible, or save $388 by changing to a $1,000 deductible. Younger drivers, like the Age 20 category, could roll back prices up to $860 annually by choosing a higher deductible.

When increasing deductibles, it will now be necessary to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.