Car insurance discounts for good students

Good grades could mean 10% or more in savings.

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Congratulations on your great report card! Did you know you can earn discounts on your car insurance coverage by having good grades? Depending on the insurer, you could earn upwards of 10% off your policy by having a high GPA or being in the top of your class.

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Compare car insurance with good student discounts

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get a quote online in minutes and find some of the lowest rates and wide coverage options for almost any driver.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for drivers over the age of 54.
Clearcover
Optional
Yes
AZ, CA, IL, TX, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.

Compare up to 4 providers

How does a good student discount work?

High school students and college students are likely to qualify for this discount with a GPA above 3.0 or a B average. Most insurers stipulate that to qualify as a “good student” you have to be between the ages of 16 and 24, but certain exclusions from that rule might apply if you’re a nonconventional or graduate student.

The insurer may limit how many years you can use your good student discounts — for example, two years in high school for drivers aged 16 to 18, and then four more years for a typical bachelor’s degree at a college or university. To find out the rules for this discount with your provider, contact an agent or read the details of your existing policy.

It’s also worth noting some providers, such as Geico, prefer to only give discounts once you purchase comprehensive coverage. Others, like Allstate or USAA, will usually allow discounts regardless of your level of coverage.

How much can I save with a good student discount?

You’ll see discounts for good students that are anywhere from 10% to a whopping 35%. Considering how expensive car insurance can be for drivers under 21, these discounts could help you save a lot on your car insurance premiums. And remember you can usually combine discounts for even more savings.

Like most car insurance discounts, you’ll find a range of percentages and amounts from one provider to the next, plus some changes in availability based on what state you’re in or what level of coverage you have.

  • USAA. If you’re younger than 25, attend an accredited school full-time and meet certain academic standards, you’ll likely qualify for a USAA student discount. However, USAA’s good student discount isn’t available in Hawaii or North Carolina.
  • Geico. Full-time students between ages 16 and 24 who earn a B average or better are likely eligible for a Geico discount.
  • Progressive. A student who earns all Bs or better can earn a discount from Progressive, though a specific discount amount or age limit isn’t given on Progressive’s website.
  • Allstate. Allstate offers up to a massive 35% discount to good students younger than 25, teens who successfully completed the teenSMART driver education program and to young adults attending college at least 100 miles from home.
  • Liberty Mutual. Liberty Mutual doesn’t specify how much you’ll save with those good grades, but you can expect at least a 10% rate reduction if you earn better than a 3.0 GPA and you’re younger than 25. Like Allstate, you can also earn a discount if your teen lives at college more than 100 miles away from home and only occasionally drives your car.
  • Esurance. Full-time high school and college students under 25 years old with at least a 3.0 GPA could save up to 10% on liability, collision and medical payments coverage, depending on the state. Students are usually eligible for the discount from Esurance while enrolled as a student and up to one year afterward.
  • Compare State Farm: Young drivers can be eligible for all of the available discounts, as long as they qualify.They can receive the good student discount, the driver training discount and participate in the Steer Clear program,all at the same time.
  • Car insurance after graduation: Moving from high school to college means you could continue to qualify for student discounts and low-mileage rates.Plus, you could offset your own risk with your parent’s driving experience by staying on their policy. But after graduation, you’ll lose your good student discount.
  • Car insurance after graduation: Moving from high school to college means you could continue to qualify for student discounts and low-mileage rates. Plus, you could offset your own risk with your parent’s driving experience by staying on their policy.But after graduation, you’ll lose your good student discount.
  • Kentucky Farm Bureau: KFB has a number of premium discounts you may qualify for. Note that some discounts won’t stack — for example, you’d be ineligible for the good student discount if you already have the driver’s training discount. Good student discount. Get rewarded for your good grades by showing your B average or above grades.
  • Encompass: Student drivers who maintain a 3.0 GPA or better can get a discount. Driver training discount. If you are younger than 21 years old and have completed a driver’s training course with several hours of driving experience,you could be eligible for this discount. Resident student discount. Become eligible for this discount if you’re a student who lives at least 100 miles from home and don’t have a vehicle with you at school.
  • Country Financial: Good student discount. Maintain a B average or higher in high school or college, and you could be eligible for a discount of up to 25%.
  • Pemco: Good student discount. Get a GPA of 3.0 or higher and earn a discount on your car insurance policy.
  • Cameron Mutual: Good student discount.Full-time students who meet certain criteria can earn a discount on their premiums. For in-person support, Allied Insurance and Elephant Insurance are two providers similar to Cameron. These providers are agent-driven and focus on the personal touch of being able to talk with someone face to face. Discounts are similar, including good driving, multi-car policy and good student iscounts.
  • Allied car insurance review: Good student discount. Students who maintain at least a B average will qualify for savings.
  • MetLife car insurance review: Good student discount. Earn up to 15% off if you’re a student under 25 with a “B” average or better.

What if my provider doesn’t offer a good student discount?

You’ve worked hard to earn good grades, and you deserve a little recognition. But before you leave your current provider in search of that glimmering 35% discount from Allstate, check into your provider’s other discounts. You could be eligible for other savings — perhaps for having a clean driving record or added safety features — that could save you more money than a student discount with another provider.

It’s never a bad idea to shop around and compare options. Getting a great deal and understanding the benefits of your policy is the best way to save on auto insurance coverage — from there it’s all about the discounts and making adjustments with the provider so your policy is exactly how you want it.

What other savings are available to students?

If your insurance company doesn’t offer a good student discount or you’re just looking for additional savings there are a few other options to look into.

  • Young driver training. If you’re under 25 some insurance providers will give you a discount if you take approved safety courses offered by your state and in some cases your insurance company. Call your insurance provider to find out what courses are available.
  • Get insured by your parent’s provider. If you use the same insurance company as your parents you may qualify for a generational or loyalty discount.
  • Student away at college discount. If your school is at least 100 miles away and you leave your car parked at home you could score a discount.

Bottom line

The majority of car insurance providers offer a good student discount if you meet their requirements, and many of those discounts are substantial, offering anywhere from 10% to a near-crazy 35% off the cost of your policy. So keep those grades up, and talk with your provider or review car insurance options to find out how you can save the most.

Frequently asked questions about good student discounts

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