How to Get Car Insurance Discounts for Students

Car insurance typically costs more for young drivers. Fortunately, most major companies offer car insurance student discounts like good student and distant student discounts for high school and college students. You may need to present evidence of your grades to qualify.

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Last Updated: 7/1/2022
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Various discounts are available if you’re looking for cheap car insurance for young drivers. If you are a student, you may enjoy a distant student, student affiliation or good student driver discount. You must submit documentation to qualify, like proof of your age, enrollment and grades. Your discount eligibility may vary depending on the type of discount and the insurance company.

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Key Takeaways


Young drivers tend to pay higher rates, but there are car insurance student discounts that can reduce costs.


Typically, insurance companies offer student discounts on car insurance only to full-time students no older than 25 or 26 years of age. Each company sets its own requirements.


Car insurance student discounts may not be for everyone. Shopping around, adding another driver to your policy and practicing safe driving can help you get the best rates.

Different Types of Student Discounts on Car Insurance

The availability of discounts may vary depending on the car insurance company. Most major insurance companies offer car insurance student discounts.

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.

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    Good Student Discount

    The good student driver discount is available to full-time high school and college students under 25 years old. The student must maintain good grades, usually a B (3.0) or higher GPA, and be unmarried.

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    Distant Student Discount

    If a college student included in an insurance policy does not stay in the family home and has no regular access to a car, the policyholder may qualify for a distant student discount. In most cases, the student must attend college over 100 miles from home.

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    Student Affiliation Discount

    Some insurance companies offer affiliation discounts. These are often negotiated by a business, college, association or organization.

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    Safe Driving Discount

    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.

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    Anti-Theft Discount

    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 steering wheel locks, kill switches, electronic immobilizers, VIN etching and vehicle tracking systems.

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    Driver’s Education Discount

    Young drivers who complete a driver’s education course may qualify for a discount. Depending on the carrier, there may be an age requirement. Recognized driver’s education courses may also vary per state and insurer.

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    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.

Who Can Use Car Insurance Discounts for Students?

Eligibility for discounts varies depending on the car insurance company. For car insurance student discounts, insurance companies typically require the driver to be a full-time student and younger than 25 or 26.

Parents can apply for a distant student discount if their child is studying and living at least 100 miles away from the family home. The student should not have frequent access to the covered vehicle.

For a good student driver discount, the student must maintain a minimum grade point average (GPA). In most cases, they must have at least a B or 3.0 GPA.

What Requirements Are Needed To Obtain Student Discounts?

To qualify for a student car insurance discount, there are certain documents you may need to submit to prove your status. Insurance companies may have different sets of qualifications for certain discounts.

You may need to submit the following documentation:

  • Proof of age: Usually, the student must be younger than 25 or 26. Check age requirements with your insurance provider.
  • Proof of full-time student status: Provide evidence that you are enrolled as a full-time student.
  • Proof of good grades: Submit a transcript or report card proving good grades. Insurance providers require at least a B or 3.0 GPA in most cases.
  • Good standardized test scores: Some companies accept standardized test scores as proof of good grades.
  • Letter of academic achievements: This should be signed by the school administration.

Other Ways to Save on Car Insurance for Students

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.

Shop Around for the Best Auto Insurance

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. To get started, you can use MoneyGeek’s resources, including our auto insurance calculator below.

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Add a Driver To the Current Insurance

Young drivers tend to pay higher auto insurance rates due to inexperience on the road. One way of lowering insurance expenses is to add a driver to an existing policy. For instance, parents can add a 16-year-old to a family auto insurance plan.

Practice Good Driving

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.

Frequently Asked Questions

Discounts vary per driver, insurer and location. MoneyGeek answers some frequently asked questions to help students understand how car insurance discounts work.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.