The premiums for car insurance on students can vary from $3,600 to $13,800 a year. Each policy takes into account the car the student drives, his or her age, his or her driving record, and the city and state you will be driving in.

In general, men have higher costs for insurance than women especially if they’re under the age of 25 (womens rates for auto insurance tend to be lower becuase they revieve fewer tickets).

Most insurance agencies offer some sort of “good student” discount if you’re a full-time student with at least a “B” average. Some companies even offer discounts for receiving your degree. This can provide a little relief if you’ve taken out loans to help pay for your education.

Before taking that road trip for spring break, you should know that your insurance payments increase with every ticket you receive or accident you have. It’s better to be safe as a precaution than to shell out the extra dough it may cost you later.

Be sure to do your research when deciding which policy and company best fits your needs. You can get a quick car insurance quote online with a search in your favorite search engine. Always shop around and get several quotes online and make sure you’re getting the best bargain for your buck.

You can also talk to your parents or other adults you know about where you might be able to find the best deal. Who knows? Your parents may be generous enough to help you with the monthly payments while you’re still a student.