Good Student Discounts on Car Insurance Compared
Good grades can lower car insurance. Most big insurers give a discount for a B average, and some give another if the student lives at school without a car.
| Insurer | Good student rule | Stated discount | Away at school |
|---|---|---|---|
| State Farm | Full-time high school or college student with 3.0+ GPA, top 20% of class, or Dean’s List/Honor Roll | Up to 25%; may last until 25 | Student Away at School: under 25, drives only on vacations and holidays |
| Progressive | Full-time student under 23 with a B average or better, on someone else’s policy | Starts at 5% (lower in NC, TX, WA; not in CA or HI) | Distant student: 22 or younger, 100+ miles from home, no car at school (not in CA) |
| GEICO | Full-time student with a B average or dean’s list honors | Up to 15%, varies by state (GEICO article, August 2026) | — |
| Nationwide | Full-time high school or college students aged 16–24 with at least a B average | Not stated | — |
| Farmers | Full-time, under 25, 3.0+ GPA, academic honors or top fifth of class | Not stated | Distant student: under 23, school 100+ miles away, no vehicle |
| Allstate | Smart Student Discount listed via Student Beans | Rules not stated there | — |
From the insurers’ own pages and their Student Beans listings (Allstate, Farmers), checked 13 October 2026.
How to claim it
- Ask your insurer for the good student discountIt is not always added automatically.
- Send proof of gradesUsually a report card or transcript showing the GPA rule is met.
- Add the away-at-school discountIf the student moves to college without a car, tell the insurer; several companies discount for this.
- Re-send proof each yearInsurers can ask for current grades to keep the discount.
Renters insurance at college
If you rent off campus, renters insurance covers your belongings. Lemonade says its renters insurance starts from $5 a month, with an average of around $16 a month as of 2026. Students living in a dorm may already be covered under a parent’s homeowners policy; ask the insurer before buying a separate policy.
Discounts, rules and availability vary by state. This page compares what insurers publish; get a quote to see your actual price.
Students also ask
What GPA do you need for a good student discount?
Usually a B average or 3.0 GPA; State Farm and Farmers also accept other academic honors such as the Dean’s List or a top class ranking.
How much is the State Farm good student discount?
Up to 25%, according to State Farm.
Is there a discount if my child goes to college without a car?
Yes at several insurers, including State Farm, Progressive and Farmers, under their away-at-school or distant-student discounts.
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