Good Student Car Insurance Discount

A good student car insurance discount can help young drivers lower their car insurance rates. The qualifications for a good student discount will vary based on the insurance company, but it shouldn't be too hard to get a good student auto insurance discount if you do well in school. Read more to find out everything you need to know about the good student discount.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Car insurance costs for teens and young drivers can be very expensive
  • Young drivers can save up to 15 percent on their car insurance premiums if they can demonstrate that they are a good student
  • Good student discounts are available for high school and full-time college students who are under the age of 25

A good student car insurance discount can help young drivers save a ton of money on their car insurance costs. Insurance companies already charge young drivers more money because of the risk they pose, but a good student discount can help lower these costs significantly.

Did you know that good grades can not only help you succeed later in life, but they can also help you lower your car insurance costs right now?

The qualifications for and the discounts provided by a good student discount will vary based on the car insurance company, so be sure to shop around.

If you’re ready to compare car insurance companies with good student discounts, enter your ZIP code above to compare good student car insurance quotes in your area.

Which companies offer good student car insurance discounts?

Almost all car insurance companies will offer some form of good student discount to their policyholders. However, the qualifications for a student discount will likely vary, and so will the discounts themselves.

Take a look at the companies that offer good student auto insurance discounts below, and see what possible savings they offer to young people who do well in school.

Good Student Discount by Car Insurance Company
CompanyGood Student Discount and Discount Amount
AllstateYes, Varies
American FamilyYes, Varies
AmicaYes, Varies
FarmersYes, Varies
GeicoUp to 15%
Liberty MutualYes, Varies
National GeneralNo
NationwideYes, Varies
ProgressiveYes, Varies
State FarmUp to 25%
TravelersUp to 8%
USAAYes, Varies
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As you can see, most of the major car insurance players offer a student discount. State Farm sometimes goes as high as a 25 percent discount on liability car insurance and other car policies for young drivers who qualify for a good student discount.

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How can I qualify for a good student discount?

First, you must be in high school or be a full-time college student under the age of 25. Then you will have to prove to your insurance company that you are, in fact, a good student.

There are many ways to go about doing this, but here are a few of the most common ways you can show that you are a good student:

  • Good grades – many insurance companies consider students with a 3.0 or a B average to be good students who qualify for a car insurance discount
  • Test scores – high scores on standardized tests like the SAT, ACT, or PSAT will likely be enough to convince your car insurance company to give you a good student discount
  • A letter of recommendation – a letter from a school administrator that testifies to your academic achievements
  • Class rank – ranking in the top 20 percent of your class is generally enough to convince a car insurance company you are a good student

Speak with your car insurance agent to see what you need to do to qualify as a good student. Generally, your insurance company does not need too much information to verify that you qualify for this discount.

You can learn about other ways to save money on your car insurance at the Insurance Information Institute website.

If you’re ready to compare good student car insurance rates in your area, enter your ZIP code below.

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