Finding the right auto insurance for a college student or a young driver can be a daunting task due to traditionally high rates. Did you know that drivers 15 to 20 years old are involved in 20 percent of all crashes? [2] This is one of the reasons why most auto insurance rates for young drivers are extremely expensive. On average, a six-month auto insurance policy for a college aged student with no prior accidents is $1,725[1]. In addition to price, there are many factors that have to be considered when picking the right auto insurance policy for young drivers.