Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 24, 2020

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Things to Remember...

  • With so many to choose from, finding the cheapest and best auto insurance companies can be a daunting task
  • The Good Student discount offers the policyholder who attends school full time a discount on auto insurance. All major insurance companies offer a Good Student discount
  • Usually, the discount is obtained with a grade report of a 3.0 on a 4.0 scale, presence on an Honor Roll or Dean’s List or maintaining a position in the top 10 or 20 percent of the class
  • Though most auto insurance companies do not publish their Good Student discounts, you may request the information when you request a free quote
  • In addition to the Good Student discount, car insurance companies offer several other types of discounts

Though it is difficult to determine which auto insurance company offers the best affordable auto insurance for students, most major, highly rated car insurance companies offer student discounts for many of their products.

State Farm, Allstate, and Geico offer the Good Student discount. The best option is to compare highly rated car insurance companies’ rates, along with their percentage of the Good Student discount calculated into the rate total.

Are you a student looking for auto insurance? Use our FREE online tool above to start comparing the most competitive rates now!

How the Good Student Discount Works

Generally, the Good Student discount is a percentage that is deducted from your total rate. For example, many car insurance companies offer a 10% discount for students who maintain at least a “B” average.

Car insurance companies may have different requirements for their Good Student discount.

In most cases, the student will need to submit proof to their car insurance company upon submitting their application or requesting the discount.

The fact is, most insurance companies do not publicize their Good Student discount, but it is still possible to find cheap auto insurance for college students by requesting it.

The potential policyholder may find out the percentage that is offered as a discount for being a good student by requesting the information from the car insurance companies.

Before requesting the Good Student discount, narrow your list of car insurance providers down to a few companies based on some criteria, such as strong, positive ratings from various rating agencies.

Free Auto Insurance Comparison

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Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Make a Short List of Auto Insurance Providers

First, research and select the top car insurance providers in your area. You can start your research by reviewing top-rated insurance companies in your state using the ratings of a verified rating agency.

A.M. Best provides a grading system for companies with regard to their financial strength and credit rating. A great A.M. Best rating is an “A,” “A+” or “A++.”

An excellent grade from A.M. Best indicates that the company is financially strong and has established a good credit rating.

The car insurance companies that have an excellent A.M. Best rating include:

  • Allstate
  • Amica
  • American Family
  • Geico
  • Liberty Mutual
  • Nationwide, Progressive
  • Safeco
  • State Farm
  • The Hartford
  • Travelers

Using the A.M. Best ratings will help you define a list of reputable car insurance companies. From there, research the Good Student discount provided by each car insurance company by requesting a quote and the Good Student discount that may be applied to your policy.

Comparing Policies and Discounts

Once you have an idea of the most reputable car insurance companies, use the comparison feature on this website to perform a side by side comparison of the rates for your selected companies.

The comparison feature allows you to search for and compare auto insurance providers that offer coverage in your vicinity. You may also request free quotes and information from each of the listed companies right from the website.

Though most auto insurance companies do not publish their Good Student discounts, you may request the information when you request a free quote.

Using the comparison feature, request quotes from the insurance companies on your shortlist. Compare each company’s quote, including the discount, to determine which auto insurance company will offer affordable insurance with a Good Student discount.

Don’t Forget About Other Discounts

In addition to the Good Student discount, car insurance companies offer several other types of discounts.

Other discounts include the Good Driver discount, Multi-Vehicle and Multi-Policy discounts and other discounts for which you may also qualify, such as having safety equipment (alarms, anti-lock brakes) installed on your vehicle.

Some other car insurance discounts that may apply to your situation include:

  • Discounts for Military Personnel Many of the major car insurance companies offer discounts for soldiers and military personnel. Even if you are a member of the National Guard, you may receive up to a 15% discount on your car insurance policy
  • Discounts for Federal Employees – Though not available from all insurance companies, or in all states, some companies offer federal employees a car insurance discount of up to about 10 percent
  • Organization Membership  Some car insurance companies partner with various organizations and provided group members discounted insurance based on their membership in the organization. Some such organizations include AARP, professional associations, and unions

Each insurance company offers a series of discounts to their customers. In addition to the Good Student discount, which is offered by most major car insurance providers, check into some additional discounts for which you may qualify to further lower your premium payments.

Enter your ZIP code below to start comparing! 

References:

  1. https://www.nationwide.com/good-student-discount.jsp
  2. https://www.statefarm.com/
  3. https://www.allstate.com/
  4. https://www.geico.com/
  5. http://www.reviews.com/auto-insurance/
  6. http://www.ambest.com/home/default.aspx
  7. http://www.aarp.org/