Updated: April 15, 2025
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Typically, students must be under 25 years old and have at least a B or 3.0 GPA to qualify for a good student discount.
Young drivers can also take advantage of other student discounts, such as distant student and student affiliation, to lower their car insurance rates.
Adding another driver to your policy, comparing quotes and practicing safe driving can also help you get the best rates.
Car insurance typically costs more for young drivers. Fortunately, most major companies offer car insurance discounts like a good student discount.
A good student discount is typically available to high school and college students. Insurers offer this to young drivers who maintain good grades in school. Requirements may vary, but usually include meeting a certain grade or GPA.
You may need to submit certain documents to prove your status to qualify for a good student car insurance discount. Insurance companies may have different sets of qualifications. Below are some documents insurers typically ask for:
Eligibility for good student discounts varies depending on the car insurance company, but most insurers only accept high school or college students who:
Insurers may also take a look at the student's enrollment status, affiliations and driving history.
When looking for a car insurance student discount, it is important to understand how each option works. Understanding these discounts can help you find the best deal for you.
A distant student discount can shave off your premiums if a college student included in their parents’ policy:
Some insurance companies offer affiliation discounts. These are often negotiated by a business, college, association or organization.
Many insurance providers offer a discount to policyholders who remain claim-free for several consecutive years. The required number of years varies depending on the company.
Installing anti-theft devices can help lower the risk of vehicle theft. Many insurance carriers reward customers who install security devices.
The standard anti-theft devices recognized by insurers are:
Young drivers who complete a recognized driver’s education course may qualify for a discount. Depending on the carrier, there may be an age requirement. Approved courses may also vary per state and insurer.
One common way of reducing the cost of insurance is to bundle policies. Significant discounts are available to policyholders who combine multiple policies with the same insurer. For instance, a home and auto insurance bundle can help you save up to $833 per year.
Discounts help lower car insurance costs. Depending on your circumstances and profile, discounts may not match your needs, or you may be ineligible for them. Fortunately, there are other ways students can save on car insurance.
Young drivers tend to pay higher auto insurance rates due to their inexperience on the road. Instead of applying for a separate policy, adding a student to an existing policy may be the cheapest car insurance option for young drivers.
Different rates apply to different ages as well. For instance, the cheapest car insurance company charges $2,462 per year for 19-year-old drivers while the cheapest cost of auto insurance for 22-year-old drivers is $1,562 per year.
Maintaining a clean driving record can help you save money in the long run. A violation or accident on your driving record can result in higher insurance premiums.
No-down-payment car insurance allows you to get insured with the lowest upfront cost. But paying full and upfront will save you money in the long run.
Students who drive less than 12,000 miles per year may save on car insurance by opting for pay-per-mile insurance. With this, premiums will depend on mileage and driving habits.
The best car insurance company may vary depending on personal needs and circumstances. Be sure to compare insurance quotes and offers from multiple insurers to find the best deal.
Car insurance companies consider various factors when calculating rates. If you're looking for the best and cheapest policy, comparing quotes and offers from multiple providers can help. MoneyGeek's calculator below can provide accurate estimates based on your needs and profile. Use these quotes to compare your options.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Apr 18, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 89 /of 100 | $80 | |
| 2 |  GEICO | 82 /of 100 | $80 |
| 3 |  Nationwide | 89 /of 100 | $84 |
| 4 | 84 /of 100 | $90 | |
| 5 | 78 /of 100 | $96 | |
| 6 | 74 /of 100 | $108 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Young drivers often face higher car insurance rates, but discounts like the good student discount can help lower costs. Maintaining good grades and a clean driving record are key to unlocking savings. This guide explores how young drivers can find affordable coverage and maximize their discounts.
Discounts vary per driver, insurer and location. MoneyGeek answers some frequently asked questions to help students understand how car insurance discounts work.
Students may qualify for various discounts. The availability of discounts may vary per insurance company, but common discounts for students include the following:
The good student discount rate varies per insurance provider. For instance, AAA offers up to a 14% discount. Meanwhile, Auto-Owners offers up to a 20% discount. Clarify the discount rate with the insurance company to determine how much you can save.
Yes. However, there may be requirements you need to comply with to qualify for discounts. These vary depending on the insurance provider.
The best way to get a student discount for car insurance is to ask your insurance provider if you qualify for any discount offers. You can also check out the websites of insurance companies to see what discounts are suitable for your needs and circumstances.
Study Overview
Factors can determine car insurance rates, including age, driving record, claims history, ZIP code, coverage choices and insurance company. MoneyGeek analyzed thousands of quotes to provide data and compare car insurance quotes for young drivers of various ages on individual and family policies to help them , their parents, or both find affordable insurance options.
Data Sources
Quadrant Information Services and state insurance departments provided data that we analyzed and compared based on insurance carrier, state and driver age.
Driver Profile
The sample driver profile was used to provide true and accurate quotes. The driver profile in this study included:
Coverage Levels and Deductibles Explained
The average rates on the page are based on 100/300/100 coverage levels and comprehensive and collision coverage with a $1,000 deductible.
A 100/300/100 coverage level provides coverage per claim up to:
With a $1,000 comprehensive and collision deductible, the insured party is responsible for paying the first $1,000 of a claim under either coverage before the insurance company will pay its portion.
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
