Good Student Car Insurance Discounts

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Here's what you need to know...

  • Teen drivers have a high-risk of traffic accidents, so their insurance premiums tend to be quite high
  • Students with good grades are statistically safer drivers, so are usually eligible for car insurance discounts
  • It’s especially important for young drivers to not have any traffic violations, as these will cause insurance premiums to skyrocket

If you have a new teenage driver in your household, car insurance rates may have just gone up for you. Looking into a good student car insurance discount may be a way to help ease these costs a bit. It is a fact that younger drivers are among the most expensive to insure.

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If you are a young driver paying for your own insurance or a parent of a young driver who has just been added to the family policy, you know that insurance premiums for teens and young adults under age 25 are not cheap.

Performing well in school, however, has the added benefit of helping to lower those insurance premiums with most insurance companies.

What are good student car insurance discounts?


Good student car insurance premium discounts are offered now by most insurance providers. They offer a discount to full-time students at high school or college who perform well academically.

Typically, insurance companies place individuals under the age of 25 automatically in a high-risk category. Males in this age group are often rated as very high-risk because males under the age of 25 account for the highest percentage of DUI related fatal accidents on the roads today.

The exception to this is for students who show solid performance in school.

Insurance companies view this as an indication of a greater level of responsibility, therefore, lowering their risk of a motor vehicle accident. Past studies have also shown a correlation between grades and driving records.

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What qualifies my child for a good student car insurance discount?

Depending on your insurance provider and what state you live in there are differing requirements to receive a good student car insurance discount. The following is a list of criteria often used by the major insurance providers to determine if a student qualifies. You must:

  • Be between the ages of 16 and 24 years of age and hold a valid driver’s license
  • Be a full-time student at an accredited high school, college or university (12 credit hours or more), or in a qualifying certificate degree program
  • Maintain a B average or better or a 3.0-grade-point-average in schools using a numeric grading system
  • Maintain grades that keep you on this list in schools with an honor roll or dean’s list.
  • Be ranked in the top 20% of your graduating class
  • Score in the top 20% on the PSAT, SAT, ACT or other standardized tests is another possible means of qualifying for a good student discount (especially if the student is home schooled)

How can my child prove that he/she qualifies for a good student car insurance discount?


Once again, you will see differences between insurance companies and states as far as what they will accept as proof of solid academic performance that meets the criteria for a good student car insurance discount.

In most cases one or more of the following are acceptable forms of documentation:

  • Copies of report cards from an accredited high school: You may need to provide a copy after each marking period (semester, trimester, or quarter depending on the system used by that particular school).
  • Copies of transcripts from an accredited college or university or qualifying certificate degree program
  • A letter from the school principal or college dean stating the achievements of the student
  • Copies of standardized test scores
  • Permission for the insurance company to contact the school to verify achievement

What other factors impact whether or not my child qualifies for a good student car insurance discount?


Receiving good grades alone will not automatically qualify a student for a lower car insurance premium. He or she still must maintain a clean driving record.

Something as simple as a traffic violation for speeding, or failure to obey a stop sign, can cause your insurance rates to go up significantly.

Auto insurers also look into whether or not a student participated in a driver’s training course when considering whether or not to discount rates. While it may cost a fee to take this course, doing so could save you much more in the long run on insurance.

Students who are listed on their parents’ policy versus having their own separate policy often pay less. Also, college students who live at school will usually pay less if they leave their car at home and find other means of transportation while away.

It is always worth shopping around when looking for car insurance for you or your child. Research different companies to find out how their good student car insurance discounts compare and what other discounts they may offer.

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