Honor Roll Car Insurance Discounts [2025]

Insurance companies decide premiums based on risk and typically charge younger drivers much more. If you’re searching for such coverage, you may be worried about the overall cost and looking for ways to reduce the expenditure if you can. 

For example, you may be wondering if there is such a thing as an honor roll car insurance discount. We have researched this for you and will give you some answers below, and we’ll also help you find the best full coverage car insurance rates regardless of your situation. 

What do you need to know about the honor roll car insurance discount?

Most insurance companies believe that students who perform well in school and get good grades will likely be safer drivers. These companies may refer to statistics gathered over the years and are willing to offer discounts in certain situations. 

The student may not attract a specific discount just because the school has placed them on an honor roll, but they may instead qualify for a good student discount. As the approach can vary from company to company, it’s worth shopping around so that you can make an educated comparison.

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What are good student discounts?

Good student discounts may be available for a driver between the ages of 16 and 24 who is also enrolled full-time in high school or college. To qualify for the discount, you must maintain a minimum B average. 

You can prove your academic achievements by showing your current report card or submitting a form signed by a school administrator.

What if you study at home?

If you don’t attend a high school or college but are homeschooled, you may still be able to get the discount. In this case, you should provide your results from one of the standardized tests – such as the SAT, ACT, or PSAT.

As a home-schooled student, you must place within the top 20% of the test’s national performance.

Is it worth attending a driver’s education program?

Some companies will offer a driver’s education car insurance discount if you take a drivers ed program or enroll in a defensive driving class. This approach varies by the insurance company, so you need to do some research for comparison purposes.

Are any other honors discounts or savings available?

You may also be able to qualify for other savings. Talk with your parent’s insurance company to see if adding you to your parent’s existing policy would be cheaper than setting up your own. You may be able to take advantage of the comparatively lower rate associated with the more experienced driver.

How do insurance companies set rates?

Insurance companies use a variety of different factors to determine individual rates. Some of the most common considered include the driver’s:

• Age
• Location
• Gender
• Vehicle
• Driving record

Insurance companies use these factors to calculate how much of a risk you are on the road, and because of the lack of experience in young drivers, age plays a vital role in determining rates.

Could you qualify for a distant student discount?

Are you a resident of a college that is a long way from your home? If so, you may be away from your vehicle for long periods. As such, you may be able to get a student away at school car insurance discount. 

In this case, an insurance company may offer savings if the student does not have a vehicle while at school and lives more than 100 miles away from home while studying. 

To qualify, you may need to provide proof of attendance at the specific college and your temporary address while you are there.

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Case Studies: Honor Roll Car Insurance Discounts

Case Study 1: Good Student Discount

Sarah, a high school student, maintains a consistent B+ average in her classes. She is interested in finding ways to reduce her car insurance costs.

By providing her insurance company with a copy of her latest report card, she qualifies for a good student discount. This discount recognizes her academic achievements and helps lower her insurance premiums.

Case Study 2: Homeschooled Student Discount

Michael is a homeschooled student who excels in his studies. Although he doesn’t attend a traditional high school, he can still potentially qualify for a car insurance discount.

By submitting his high scores on standardized tests such as the SAT, ACT, or PSAT, Michael demonstrates his academic excellence and becomes eligible for a homeschooled student discount.

Case Study 3: Driver’s Education Discount

Emily decides to enroll in a driver’s education program to improve her driving skills and knowledge. Some insurance companies offer a driver’s education car insurance discount to encourage young drivers to undergo formal training.

Emily researches various insurance companies and finds one that provides a discount for completing a recognized driver’s education program. By successfully completing the course, she becomes eligible for the discount and enjoys reduced insurance premiums.

Case Study 4: Distant Student Discount

Sophia is attending college that is located far away from her home. Since she doesn’t use her car regularly while at school, she inquires about a distant student discount with her insurance company.

As she lives more than 100 miles away from home during her college term, she qualifies for the discount. Sophia provides proof of her college attendance and temporary address, and her insurance company adjusts her premiums accordingly.

The Bottom Line on the Honor Roll Car Insurance Discount

Most companies do not offer students an honor roll discount specifically, but you may still be able to qualify for a good student discount. After all, not every good student is on the honor roll. 

Typically, to qualify for a good student discount, you need to maintain a B average and be under 25 years old. You may also be eligible for other savings, such as a distant student discount, and it may be cheaper if you add your name to an existing policy in your household.

 

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