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good student discount car insurance

Car insurance discounts for good students

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Good grades could mean 10% or more in savings.

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 landing at the top of your class.

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Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

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Compare car insurance with good student discounts

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
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AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

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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 must 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 give you 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 fro 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 most 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 or if your child attends 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 student 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, which is pretty generous.

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 other discounts from the provider you have. You could be eligible for other discounts — 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.

Bottom line

The majority of car insurance providers offer you 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 keep in touch with your provider to find out what discounts you can earn while staying right where you are.

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