Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Drivers under 25 usually pay more for car insurance
  • Earning good grades can lower your monthly premium
  • The minimum GPA is 3.0, or a B

Car insurance rates are higher on average for students in high school and college.

Auto insurance companies are willing to provide a discount for students who earn good grades in school.

Unfortunately, auto insurance rates for the young individual are high due to the risk of accidents associated with the younger age group.

No matter the reason, you can find affordable car insurance for your student by entering your zip code into our comparison tool above!

What is a good student discount?

Many auto insurance companies offer student discounts for good grades. It is usually called a good student car insurance discount because it requires a specific grade point average for students to qualify.

Since a high GPA suggests that the individual is responsible, insurance companies often feel that these young individuals are more responsible than those who do not have good grades.

The good student discount is simply a lower amount paid to the insurance company for studying and doing well in school, regardless of the education level.

This discount can apply to high school students and college students who are old enough to drive.

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Qualifications for the Discount

In general, most insurance companies that offer a good student discount on auto insurance require a minimum GPA of 3.0, or a B average, before they are willing to offer a discounted amount.

This is the main qualification for the lower car insurance coverage payment and for many companies, it is the only qualification students must meet.

Many companies also require full-time student status for qualification purposes. Depending on the specific college, that might mean taking between four and five classes per semester or quarter.

Some companies might also put an age limit on the discount.

This is not a qualification all companies apply to the discount, but for those that do have an age limit qualification, it is usually 25 years old.

Unfortunately, this will disqualify any adult who is going back to school after 25 years old.

For students who are home-schooled rather than attending a formal high school, it is still possible to qualify for the discount.

These students have a different qualification of reaching the top 20 percentile of standardized testing like the SAT, ACT or pre-SAT tests.

The Savings

The amount of savings provided by the good student discount varies depending on the company and their specific policies.

In general, students and their families can expect to receive a discounted amount of 10 to 20 percent from many companies.

As such a large insurance discount, it is one of the highest discounts available, particularly for young individuals who are full-time students.

Company Consideration

While many auto insurance companies offer good student discounts for good grades, not all companies make this discount available.

For a student or family with a student driver, it is important to take time to ask whether the company offers a program for student discounts before deciding if it is the right company for individual needs.

For older students going back to college, many companies will not provide the good student discount.

Fortunately, this qualification consideration does vary and some insurance companies will provide good student discounts for men and women who are going back to school above the age of 25 years old.

Returning students will want to ask if they can qualify for the discount from their insurance provider if the company offers this discount.

If the company does not offer the exact good student discount, they might work with returning students for some lower cost options.

A good student discount is a great way to lower the cost of auto insurance just by working hard in school.

Saving money on auto insurance might be challenging for students, but it is not impossible to low car insurance rates.

Our comparison tool will help you save money! Enter your zip code below to get started for FREE!


  1. https://www.thebalance.com/how-to-get-your-driving-record-527249
  2. https://www.geico.com/save/discounts/car-insurance-discounts/
  3. https://www.progressive.com/auto/discounts/
  4. https://www.collegeboard.org/
  5. https://www.statefarm.com/insurance/multiline