Good Student DiscountAuto
Full-time students who maintain good grades can earn a meaningful discount — one of the most effective ways to offset a young driver's high premium.
The good student discount rewards full-time high-school and college students who maintain strong grades, on the reasoning that responsible students tend to be lower-risk drivers. It's usually one of the larger discounts available to a young driver.
Because teen and young-adult premiums are so high, stacking the good-student discount with driver-training and telematics discounts — while staying on a parent's policy — is the most effective way to keep costs down.
Who qualifies
Most insurers require a full-time student, typically under age 25, to maintain a minimum grade average (commonly a B / 3.0 GPA or better) or equivalent standing, verified with a report card or transcript each term or year.
- •Usually a B average (3.0 GPA) or better, or top-20% class rank / honor roll
- •Applies to full-time high-school and college students, generally under 25
- •You must re-verify grades periodically to keep the discount
Carriers known to offer this discount
Good-student discount alongside its Steer Clear teen program
Good-student discount for qualifying full-time students
Good-student discount, stackable with safe-driving rewards
Good-student discount for eligible young drivers
Program availability and terms vary by state. This is a non-exhaustive list of well-known examples — always ask any insurer you quote which discounts you qualify for.
How to get this discount
- •Keep the student on a parent's policy rather than a standalone one
- •Submit a current report card or transcript showing the qualifying GPA
- •Combine with driver-training and telematics discounts for the biggest effect
- •Re-submit grades each period the insurer requires to keep the discount active
Sources & References
- Insurance Information Institute (Triple-I). https://www.iii.org — Accessed July 2026
- National Association of Insurance Commissioners (NAIC). https://content.naic.org — Accessed July 2026
Good Student Discount — Frequently Asked Questions
What GPA do I need for the good student discount?
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Most insurers require about a B average (3.0 GPA) or better, or an equivalent like honor-roll status or a top-class rank, verified with a report card or transcript. The exact threshold varies by carrier, so ask when you quote. The discount typically applies to full-time students under 25.
How much does the good student discount save?
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It's usually one of the larger discounts available to a young driver, though the exact amount varies by carrier and state. Because young-driver premiums are so high, it's most powerful when stacked with driver-training and telematics discounts on a parent's multi-car policy rather than used alone.
Related guides
Sarah Mitchell
Editorial Lead, Property & Casualty
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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