Do auto insurance companies check grades?

Good student discounts typically save you about 7% on auto insurance. Companies will verify the discount by asking that new grades be submitted at each renewal period.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to remember...

  • Many insurance companies offer discounts for good grades
  • It is up to you to request the discount from your insurance company
  • Grades are often requested at the renewal period to determine if the discount will continue

Insurance companies will often offer good student discounts to clients who are currently enrolled in educational programs.

In order to receive and maintain the discount, insurance companies will often check your grades. How this is done varies based on the company.

Compare car insurance quotes to find the best deal for the coverage you need. Just enter your zip code to begin.

What is a good student discount?

Many insurance companies offer discounts to students if they have good grades.

If the insurance company offers the discount, it would be available to any student who is enrolled in an educational institution, but it is the student’s responsibility to inquire about the discount, as some companies and agents may not mention it.

Teen drivers often spend more on insurance because they are a higher risk.

More teen drivers get involved in accidents than any other demographic. Much of this has to do with a lack of experience on the roads. If a teen is in high school or college, good grades can help save them money on insurance premiums.

Any time that you can save money, or help your child to save money, it’s a good thing.

The good grades discount is designed to help overcome the high expense of insuring teen drivers.

Insurance companies believe that if a student has good grades, they are more focused. And drivers who are focused are less likely to be involved in an accident on the road.


Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

What grades are considered “good” grades?

When you’re looking at whether it’s possible to get a discount for good grades, it’s important to determine what good grades are.

A good GPA is typically considered to be 3.5, but this number isn’t exactly set in stone. Find out what the requirements are with your insurance company.

The GPA is calculated based on the letter grades that you have. In order to maintain a 3.5 GPA, you would need to get As and Bs on your report card each quarter. The grades are calculated the same whether you are in high school or college.

If you don’t have good grades, then you can work on getting them up.

You might be able to qualify for the discount when you renew your policy with the insurance company as long as you can prove that your grades meet the minimum requirement.

If you still don’t have good grades, then look at comparing rates between companies to try to get the lowest possible premium.

How are the grades checked?

High school and college grades are generally not considered a part of one’s permanent record, so insurance companies aren’t able to access the grades on their own because the information isn’t made available to the DMV.

In order for people to get a good grade discount, they would need to submit a copy of their report card or other academic letters to the insurance company. Such reports are generally provided by the school on a quarterly basis.

Insurance companies will generally request new grades to be submitted to them at each renewal period. You should be able to the report card in the following ways:

  • fax
  • email
  • upload a digital copy of your report card on their online portal

If grades stay the same or go up, a person is likely to maintain their discount. If the grades go down, however, a person is in jeopardy of losing their discount.

Once you have graduated high school or college and no longer have grades to show, your insurance company will remove this discount from your policy. You will then need to find different ways to save money on your premium.

If you are a good student, it’s worth looking into a good student discount. The discount will help keep your car insurance costs down, and it may also motivate you to continue striving in your educational endeavors.

Compare car insurance quotes by entering your zip code into our free rate tool below.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption