Auto Insurance for No High School (Rates & Discounts)

The average cost of no high school auto insurance is $214 per month. In some states, insurance providers cannot use your level of education to determine your auto insurance rates. However, in most states, no high school auto insurance quotes are more expensive than average. Your age also influences your overall premiums. Even without a high school degree, you can take advantage of driver, policy, and safety discounts to secure your lowest auto insurance costs.

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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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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

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 Leslie Kasperowicz

UPDATED: May 6, 2021

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What You Should Know

  • On average, no high school auto insurance costs $214 per month
  • In some states, your level of education cannot influence your auto insurance premiums
  • You can still qualify for auto insurance discounts even without a high school degree

On average, no high school auto insurance costs $214 per month. Unless you live in a state that bans non-driving factors when determining premiums, your education level might impact your rates.

Below, discover how to compare auto insurance quotes and see what discounts can help keep your costs low.

Compare no high school auto insurance quotes for free by entering your ZIP code into our rate tool above.

Does not completing high school impact your auto insurance rates?

In most states, your education level impacts your auto insurance premiums.

Expect no high school auto insurance rates to cost more than what people with a diploma pay.

Most providers believe a higher education means you’re less likely to partake in risky driving behaviors.

However, like California, some states legally banned companies from using such non-driving factors when calculating rates.

In truth, the rate of Americans with no high school is steadily decreasing, according to the National Center for Education Statistics.

As of 2019, 94% of people between the ages of 25 and 29 have a high school diploma or GED.

No matter where you live, your driving record, age, and experience level influence your auto insurance rates.

Customarily, auto insurance for teenagers costs the most due to their lack of driving experience.

Look closer at how age affects auto insurance rates in the table below:

Average Monthly Auto Insurance Rates by Age and Gender
Age and GenderAverage Monthly Auto Insurance Rates
16-year-old female$283.29
16-year-old male$310.33
17-year-old female$216.67
17-year-old male$233.76
18-year-old female$180.59
18-year-old male$197.48
19-year-old female$153.52
19-year-old male$137.33
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Whether you have a high school degree or not, auto insurance for teens always costs more than older drivers.

Fortunately, even without high school, most people see a drop in rates after reaching age 25.

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How can you save money on auto insurance with no high school degree?

You can buy no high school auto insurance at a competitive price by seeking out discounts, determining the level of coverage you require and comparing multiple providers.

While you won’t qualify for student-focused discounts, like the State Farm good student discount, you can earn dozens of other opportunities.

Consider asking about the following discounts:

  • Anti-lock brakes discount
  • Anti-theft discount
  • Claim-free discount
  • Homeowner discount
  • Multi-policy or multi-car discounts
  • Paid-in-full discount
  • Passive restraint discount
  • Safe driver discount

Remember, age influences your costs more so than your education level.

Therefore, auto insurance for high school students might cost more than for a 30-year old driver with no high school degree.

Finally, consider purchasing a cheap liability insurance policy that meets your state’s minimum requirements without adding pricy additional coverages.

Ultimately, finding auto insurance quotes online and comparing the policies and discounts will help you secure affordable no high school auto insurance rates.

No High School Auto Insurance: The Bottom Line

Overall, securing cheap auto insurance is possible even without a high school degree.

Shop around, ask about discounts, and purchase a level of coverage that meets your state’s legal requirements without breaking the bank.

Find the best no high school auto insurance company near you by entering your ZIP code into our free quote tool below.

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