Auto Insurance for Associate Degree (Rates & Discounts)

If you are looking for associate's auto insurance as a recent college graduate, you may qualify for lower rates. Associate's car insurance is often lower than for drivers without a college degree because insurers see a college education as a sign of responsibility that lowers your perceived risk as an insured. Associate's degree auto insurance may also mean additional discounts because some of the best car insurance companies for college graduates offer "further education" discounts.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 12, 2021

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What You Should Know

  • Having an associate’s degree may mean lower auto insurance rates
  • Insurance companies see college degrees as a sign of responsibility, meaning your perceived risk as a driver is lower
  • You may also qualify for discounts for having a college degree

Are you looking for help with understanding auto insurance rates? Do you have an associate’s degree? Are you looking for the best car insurance for recent college graduates? If so, you’ve come to the right place for information on associate’s auto insurance rates.

Before we get started, if you’re looking for affordable associate’s auto insurance, use your ZIP code in the free tool on this page to start comparing associate’s auto insurance rates right now.

Does having an associate’s degree affect auto insurance rates?

Having advanced degrees, whether an associate’s degree, bachelor’s degree, or another college degree, can help you get lower insurance rates.

While you’re probably still going to see higher rates than other drivers if you’re under the age of 25, your education level can mean lower rates as well as discounts. And if you’re still a student, you may also qualify for student discounts.

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Why does your education impact your auto insurance rates?

Like most factors that affect your auto insurance rates, it all comes down to perceived risk. Car insurance companies often consider having a college degree a sign of responsibility. Companies extrapolate that information (and other personal factors) to mean you’ll be a responsible driver and thus lower risk to insure.

People with college degrees also have occupations that can mean additional discounts. For example, there are auto insurance discounts for nurses.

So who has the best car insurance for college graduates? It depends on where you live and other personal factors like your driving record, but some companies offer further education discounts. Take a look at this table for more information.

Auto Insurance Companies with Higher Education Discounts
Insurance CompaniesPercent Discount
AmeripriseNot Available
AmicaNot Available
GEICONot Available
Liberty Mutual10%
SafecoNot Available
The GeneralNot Available
The HanoverNot Available
TravelersNot Available
USAANot Available
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The practice of offering lower insurance rates to people with higher education and better jobs is both common and controversial.

However, states like California no longer allow education to be used to adjust rates (though occupation can still be a factor, though the California Department of Insurance is working to change this).

With your associate’s degree in mind, it’s a good idea to compare car insurance quotes to make sure you’re still getting the best rates. Since your rates can also be affected by where you work, if you get a new job with your degree, that’s another reason to check your rates.

Auto Insurance for Associate Degree: The Bottom Line

When you’re looking for car insurance for recent college graduates with an associate’s degree, you may find you’re getting better rates than you had before. You may also qualify for discounts for your education level, being a student, and occupation.

Car insurance companies see a college degree as a sign of responsibility and assume you’re a lower-risk driver as a result. However, adjusting rates based on education has been banned in a few states, including California.

Before you go, are you ready to buy associate’s car insurance? Take a minute to enter your ZIP code into our free tool to start comparing associate’s auto insurance quotes today.

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