Best Good Student Auto Insurance Discounts in 2026
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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Updated January 2026
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 a B average.
- 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
Good student insurance discounts apply to full-time high school or college students under 25 who maintain at least a “B” average or 3.0 GPA.
State Farm stands out with the biggest discount on student car insurance and exceptional customer service for new drivers (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% |
Allstate stands out for discounts up to 22%, while AmFam rewards academic achievement.
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 Good Student 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).
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.
State Farm offers the largest good-student discount of up to 25% for eligible students who meet GPA and enrollment standards.
Some providers accept alternative academic criteria, such as qualifying standardized test scores or class ranking.Kristine Lee Licensed Insurance Agent
Allstate stands out by accepting a lower GPA threshold of 2.7, making it more accessible for teens and young drivers (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.
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Comparing Auto Insurance Rates for Students
USAA remains the cheapest option overall, but is only available to military families. For students looking for strong coverage and maximum savings, State Farm offers the most competitive post-discount rate.
Student car insurance with State Farm drops from $151 to $113 per month, which comes out to be 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 |
Allstate’s discounted rate of $125 per month also stands out, especially for students who meet the lower GPA requirement.
Compare more rates in our State Farm vs. Geico, Progressive, Farmers, and Allstate auto insurance review.
Driver Age Impacts Student Car Insurance Costs
Age has a much stronger impact on student car insurance pricing than gender, which is why younger drivers benefit most from discounts like those for good students.
If you’re comparing good student discount car insurance based on age, State Farm offers the best car insurance for college students at $47 per month for minimum coverage and $123 a month for full coverage.
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 |
Progressive follows with $56 monthly for minimum and $150 per month for full (Read More: State Farm vs. Progressive Auto Insurance).
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.
Start comparing companies online to find the cheapest auto insurance for teens near you.
Driving History Can Raise Student Auto Insurance Rates
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| 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).
Students can combine good student auto insurance discounts with safe driving habits and the right coverage to maximize savings.
Jeff Root Licensed Insurance Agent
If you’ve had an accident or violation, Progressive and Nationwide are also worth a look.
These companies also offer examples of good student discounts, making your provider choice even more important if your driving record isn’t perfect.
More Ways Students Can Save on Insurance
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.
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.
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).
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.
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.
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.
Getting every possible discount starts with understanding how insurers reward responsible behavior.
Maintain safe driving habits, good grades, and choose a vehicle with strong safety features.
Additionally, bundling auto insurance with other policies, like renters or homeowners insurance, can lead to bigger discounts.
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.
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.
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.
Students can get up to 40% off with Allstate’s Drivewise or Progressive’s SmartRide. Both of these programs use mobile apps or in-vehicle devices to monitor driving.
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 want 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.
Some providers offer mileage-based plans that charge only for how far you drive, without tracking habits like speed, braking, or time of day, which can be great for students away at school. Our guide to pay-as-you-go insurance explains how these different UBI plans work.
Getting the Best Good Student Insurance Discount
State Farm offers the best overall value with up to 25% off through its good student discount. Allstate and AmFam also provide strong discounts tied to GPA and full-time enrollment.
If you’re looking for the best good student auto insurance discounts, starting with these top car insurance 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?
Can college students get discounts on car insurance?
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