Best Good Student Auto Insurance Discounts in 2025 (Get up to 25% Off With These Companies)
The best good student auto insurance discounts come from State Farm, Allstate, and American Family. State Farm offers up to 25% off for full-time students with a 3.0 GPA or higher. Allstate stands out for accepting a 2.7 GPA, while American Family adds up to 25% off for students away at school or with top grades.
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Chris Abrams
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Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
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UPDATED: Aug 15, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Aug 15, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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State Farm, Allstate, and American Family offer the best good student auto insurance discounts. State Farm leads with a 25% discount for students who maintain strong grades (Learn More: State Farm Insurance Review).
Top 10 Companies: Best Good Student Auto Insurance Discounts| Company | Rank | Good Student | GPA Required | Student Away |
|---|---|---|---|---|
 | #1 | 25% | 3.0 | 20% |
 | #2 | 22% | 2.7 | 20% |
 | #3 | 20% | 3.0 | 25% |
 | #4 | 18% | 3.0 | 20% |
 | #5 | 15% | 3.0 | 20% |
 | #6 | 12% | 3.0 | 25% |
 | #7 | 12% | 3.0 | 15% |
 | #8 | 10% | 3.0 | 22% |
 | #9 | 10% | 3.0 | 10% |
 | #10 | 8% | 3.0 | 10% |
These apply to full-time high school or college students under 25 who maintain at least a “B” average or 3.0 GPA. Allstate stands out for discounts up to 22%, while AmFam rewards academic achievement.
- State Farm offers up to 25% off on college student car insurance
- Good student discounts apply with a verified GPA
- Full-time students can also save through usage-based programs
State Farm stands out with the biggest discount on student car insurance and exceptional customer service for new drivers. These companies offer the most value and consistent rates for families with student drivers.
Scroll down to compare rates and learn how to qualify for the best good student car insurance discounts. Find affordable insurance near you with our free quote tool.
How to Qualify for the Best Good Student Auto Insurance Discounts
Good student auto insurance discounts are available to high school and college students who meet basic academic and enrollment requirements. Most insurance companies offer these discounts to drivers under 25 who are enrolled full-time and maintain at least a 3.0 GPA (or equivalent “B” average).
Some providers also accept alternative academic criteria, such as qualifying standardized test scores or class ranking. State Farm offers the largest good student discount—up to 25%—for eligible students who meet the GPA and enrollment standards. Allstate stands out by accepting a lower GPA threshold of 2.7, making it more accessible (Learn more: Allstate Insurance Review).
American Family also offers strong discounts and adds extra savings for students living away at school without regular access to a vehicle. These discounts typically apply to certain coverages on the policy and can stay active as long as the student maintains their academic standing and submits updated transcripts when requested.
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Comparing Auto Insurance Rates for Students
This table highlights average full coverage rates before and after applying the good student discount. The rates reflect what high school and college students can expect based on eligibility. State Farm offers the most competitive post-discount rate, dropping from $151 to $113 per month—a $38 reduction and the largest savings among major providers.
Auto Insurance Monthly Rates Before vs. After Good Student Discounts| Insurance Company | Before Discount | After Discount |
|---|---|---|
| $161 | $125 |
| $190 | $162 |
 | $320 | $272 |
| $210 | $178 |
| $221 | $188 |
| $186 | $167 |
| $151 | $113 |
| $205 | $174 |
| $170 | $150 |
| $97 | $87 |
USAA remains the cheapest option overall, but is only available to military families. Allstate’s discounted rate of $125 per month also stands out, especially for students who meet the lower GPA requirement.
For students looking for strong coverage and maximum savings, State Farm offers the best value. Compare more rates in our State Farm vs. Geico, Progressive, Farmers, and Allstate auto insurance review.
Rates by Age and Gender
If you’re comparing good student discount car insurance based on coverage level, State Farm offers the best car insurance for college students at $47 per month for minimum coverage and $123 a month for full coverage. Progressive follows with $56 monthly for minimum and $150 per month for full (Read More: State Farm vs. Progressive Auto Insurance).
Student Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $102 | $271 |
| $78 | $210 |
| $98 | $256 |
| $119 | $306 |
| $81 | $213 |
| $77 | $209 |
| $60 | $158 |
| $79 | $204 |
| $62 | $165 |
| $46 | $122 |
Liberty Mutual is the most expensive at $96 and $248 per month. American Family and Nationwide remain mid-range, both under $170 a month for full coverage. However, high school and college students under 18 will pay much higher rates.
Rates drop sharply for older drivers, and monthly costs average out around $145–$152. Age has a much stronger impact on student car insurance pricing than gender. This shows why younger drivers benefit most from discounts like those for good students.
Rates by Driving Record
This table shows how much your driving record can impact your monthly insurance rate, highlighting why State Farm and USAA are often ranked among the best car insurance companies for college students. State Farm offers consistently low monthly rates across all categories, including $47 for a clean record and just $65 after a DUI, which is rare.
Student Auto Insurance Monthly Rates by Driving Record| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $102 | $147 | $202 | $138 |
| $78 | $112 | $171 | $105 |
| $98 | $139 | $189 | $130 |
| $119 | $174 | $241 | $158 |
| $81 | $119 | $178 | $111 |
| $77 | $113 | $161 | $108 |
| $60 | $92 | $146 | $88 |
| $79 | $121 | $183 | $110 |
| $62 | $101 | $152 | $91 |
| $46 | $71 | $124 | $65 |
USAA is even cheaper, with $32 for a clean record and only $58 with a DUI, though it’s limited to military families. On the other hand, Liberty Mutual charges the highest across the board, jumping to $178 per month with a DUI (Learn More: Liberty Mutual Insurance Review). If you’ve had an accident or violation, Progressive and Nationwide are also worth a look.
Students can combine good student auto insurance discounts with safe driving habits and the right coverage to maximize savings.
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These companies also offer examples of good student discounts, which can further reduce rates for students who maintain strong academic performance, making your provider choice even more important if your driving record isn’t perfect.
Other Auto Insurance Discounts for Students
If you’re a student or have one in your household, discounts tied to GPA and full-time student enrollment can help families find cheap car insurance for college students.
Top Auto Insurance Discounts| Company | UBI | Defensive Driving | Anti-Theft | Low Mileage |
|---|---|---|---|---|
| 30% | 10% | 10% | 30% |
| 15% | 5% | 25% | 20% |
| 30% | 10% | 10% | 10% |
| 30% | 10% | 35% | 30% |
| 25% | 10% | 5% | 40% |
| $231/yr | 30% | 25% | 30% |
| 20% | 15% | 15% | 30% |
| 20% | 10% | 10% | 10% |
| 30% | 20% | 15% | 20% |
| 30% | 5% | 15% | 20% |
State Farm offers the strongest good student discount at 35%, followed by Allstate at 22%, and AmFam at 20% (Read More: American Family Insurance Review). These top companies also offer more car insurance discount options for good students. This table lists common auto insurance discounts by type and shows exactly how much students can save.
If you’re looking to save with accident-free or distant student discounts, Allstate, American Family, and Liberty Mutual each offer up to 25% off in those areas. Progressive is a strong choice for safe student drivers, offering a 30% discount for completing a defensive driving course.
State Farm stays competitive with a 15% defensive driving discount and balanced savings across all categories, helping lower the average cost of car insurance for college students.
More Auto Insurance Discounts for Students
Student drivers can also save through behavior-based options like clean records, teen driving courses, safe driving apps, no at-fault claims, and more of these tips to pay less for car insurance. This table breaks down the most common auto insurance discounts into three categories.
Most Common Auto Insurance Discounts| Vehicle Discounts | Driver Discounts | Personal Discounts |
|---|---|---|
| Active Disabling Device | Claim Free | Emergency Deployment |
| Adaptive Cruise Control | Continuous Coverage | Family Legacy |
| Adaptive Headlights | Defensive Driver | Family Plan |
| Anti-Lock Brakes | Driver's Education | Federal Employee |
| Audible Alarm | Driving Device/App | Further Education |
| Automatic Braking | Early Signing | Good Student |
| Blind Spot Warning | Full Payment | Homeowner |
| Daytime Running Lights | Good Credit | Life Insurance |
| Economy Vehicle | Loyalty | Married |
| Electronic Stability Control | Multiple Policies | Membership/Group |
| Farm/Ranch Vehicle | Multiple Vehicles | Military |
| Forward Collision Warning | New Customer/New Plan | New Address |
| Garaging/Storing | Occasional Operator | New Graduate |
| Green/Hybrid Vehicle | Online Shopper | Non-Smoker/Non-Drinker |
| Lane Departure Warning | On-Time Payments | Occupation |
| Newer Vehicle | Paperless/Auto Billing | Recent Retirees |
| Passive Restraint | Paperless Documents | Stable Residence |
| Utility Vehicle | Roadside Assistance | Student Away |
| Vehicle Recovery | Safe Driver | Student or Alumni |
| VIN Etching | Seat Belt Use | Volunteer |
On the vehicle side, features like anti-theft devices, adaptive headlights, and new model year upgrades can bring down your rate. These discounts stack up, so the more of these you qualify for, the more meaningful your total savings will be.
Before & After Good Student Auto Insurance
If you’re trying to figure out which company actually delivers the most savings after applying a good student discount, this chart gives you a straightforward comparison. State Farm has the lowest post-discount rate at $31 per month, making it the strongest value overall. Progressive Auto Insurance and American Family also drop to $50, which is solid if you’re looking for affordable full coverage.
Auto Insurance Monthly Rates Before & After Good Student Discount| Insurance Company | Before Discount | After Discount |
|---|---|---|
| $87 | $68 |
| $62 | $50 |
| $76 | $65 |
| $96 | $84 |
| $63 | $52 |
| $56 | $50 |
| $47 | $31 |
| $61 | $54 |
| $53 | $49 |
| $62 | $56 |
Allstate stands out for accessibility, offering a discounted rate of $68, and it’s one of the few companies that accepts a 2.7 GPA. On the higher end, Liberty Mutual’s rate only drops to $84, which still makes it one of the most expensive even after the discount.
If your priority is the lowest possible rate and you qualify academically, State Farm or USAA (at $56, military only) are likely your best bets. This breakdown makes it easier to compare not just the percentage saved, but what you’ll actually pay each month.
Student Away at School (Distant Student) Discounts
If your student is living over 100 miles from home and doesn’t regularly use the family car, this table breaks down which companies offer the best “student away at school” discounts. Liberty Mutual and American Family lead the pack with savings up to 25%, but note that American Family’s eligibility includes students under 23 who are enrolled full-time and living far away—great for younger college students.
Top Auto Insurance Discounts for Students Away at School| Company | Savings |
|---|---|
| 25% |
| 25% |
| 22% |
| 20% |
| 20% |
| 20% |
| 20% |
| 15% |
| 10% |
| 10% |
USAA offers a 22% discount, but it’s limited to military families. Allstate and State Farm both offer 20% off, but Allstate’s applies to drivers under 25, while State Farm’s discount focuses more on full-time students living 100+ miles from home.
Nationwide’s discount hinges on the student not using the insured vehicle, which might work better for those who’ve left their car behind. On the lower end, Progressive and Travelers auto insurance offer just 10%, and they require the student not to use the car at school. If your student rarely drives while at college, Liberty Mutual or American Family could deliver the biggest savings.
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Usage-Based Programs for Student Auto Insurance
If you’re a safe, low-mileage driver, such as a college student away at school, these usage-based auto insurance (UBI) programs can offer serious savings — up to 40% with Allstate’s Drivewise or Progressive’s SmartRide. Both of these programs use mobile apps or in-vehicle devices to monitor habits.
Top Usage-Based Auto Insurance (UBI) Programs| Company | Program Name | Savings | How It's Tracked |
|---|---|---|---|
| Drivewise® | 40% | Mobile App |
| KnowYourDrive | 20% | Mobile App |
| Signal® | 30% | Mobile App |
| DriveEasy | 25% | Mobile App |
| RightTrack® | 30% | In-Vehicle Device |
| SmartRide® | 40% | Mobile App / In-Vehicle Device |
| Snapshot | 30% | Mobile App |
| Drive Safe & Save™ | 30% | Mobile App / In-Vehicle Device |
| IntelliDrive® | 30% | Mobile App |
| SafePilot | 30% | Mobile App |
State Farm, Travelers, and USAA also offer 30% savings on all the standard coverage types for college students through mobile app tracking. American Family’s KnowYourDrive program has the lowest max savings at 20%, but still offers a discount for good behavior behind the wheel.
If you’re learning how to get the cheapest car insurance for college students, choosing the right UBI program depends on your driving style and whether you’re comfortable being tracked by an app, a device, or both.
Getting the Best Good Student Auto Insurance Discount
If you’re comparing auto insurance for a student in your household, State Farm offers the best overall value with up to 25% off through its good student discount.
Allstate and American Family also provide strong discounts tied to GPA and full-time enrollment. These top car insurance companies stand out because they consistently offer competitive rates, wide student eligibility, and extra savings for safe drivers who maintain good grades.
If you’re comparing the best good student auto insurance discounts based on driving history or bundling options, starting with these companies gives you a solid advantage. You can also find discounts from companies near you by entering your ZIP code and comparing quotes.
Frequently Asked Questions
How does a good student discount work on a car insurance policy?
A good student discount lowers your car insurance premium when you provide proof of qualifying grades. The insurer applies the discount—up to 35%—to certain coverages, reducing your total bill. This reward encourages responsibility in both school and driving.
What are the good student discount requirements?
Most companies require students to be under 25, enrolled full-time in high school or college, and maintain at least a B average (3.0 GPA) or qualify through standardized test scores like the SAT or ACT. Allstate is more flexible, accepting students with a 2.7 GPA or higher. Proof, such as a transcript or report card, is required at renewal to keep the discount active.
What are the six car insurance discounts students should ask about?
Students should ask about the good student discount (up to 35%), defensive driving discount (up to 30%), usage-based program savings (up to 40%), student away at school discount (up to 20%), and low-mileage discounts (up to 40%), all of which can help you find the cheapest car insurance for college students and high school teens.
How does auto insurance work for college students away from home?
Many insurers offer a “student away at school” discount on car insurance for college students away from home who don’t regularly drive or keep a car at their parents’ address. This can lower premiums since the student is only driving occasionally.
Why is auto insurance for college students so expensive?
Car insurance for college students is expensive because younger drivers, especially those under 25, are statistically more likely to be involved in accidents. Insurers also factor in limited driving experience, making premiums higher even if the student has a clean record.
Which auto insurance is best for students?
State Farm, Allstate, and American Family consistently rank as the best auto insurance for students because they combine affordable rates with strong good student discounts up to 35%.
Is there auto insurance for international students studying in the U.S.?
Yes, international students can get car insurance, but they may pay higher rates until they build a U.S. driving record. Companies like State Farm, Progressive, and Geico offer policies to international drivers with a valid license or international driving permit, but good student discounts still apply if academic eligibility is met.
Read More: Geico Insurance Review
What is the cheapest insurance company for students?
Based on discounts and rates, State Farm is often the cheapest for good student auto insurance discounts, followed by American Family and Progressive. State Farm’s full coverage rates drop significantly after applying the good student discount, making it the top pick for affordable coverage. Enter your ZIP code to find the cheapest company near you.
What types of insurance do college students need?
Besides auto insurance, college students may need renters insurance to protect personal belongings in dorms or apartments, health insurance through their school or parents, and sometimes liability insurance if they participate in internships or drive for delivery services.
What should college student car insurance cover?
College students typically need liability coverage to meet state minimums, but adding collision and comprehensive auto insurance coverage is smart if they own a newer car. Many also benefit from roadside assistance, rental reimbursement, and usage-based programs to lower costs based on safe driving.
How else can young drivers save money on student car insurance?
Young drivers can save by taking defensive driving courses (earning up to 30% off), enrolling in usage-based tracking apps, bundling auto with renters or home insurance, and maintaining a clean driving record to avoid rate increases. Some also save by increasing their deductibles to lower monthly costs.
Can college students get discounts on car insurance?
Yes, college students can qualify for several discounts, including good student (up to 35%), driver training, bundling with renters or homeowners insurance, and usage-based programs like Drivewise or SmartRide, which track driving habits and reward safe behavior.
Enter your zip code below to view companies that have cheap insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
