Good Grade Auto Insurance Discount: Save on Auto Insurance (2026)

Are you a good student? If you maintain a B average (3.0 GPA) or better, then you may qualify for good grade discounts on car insurance.

Today, a growing number of car insurance companies offer attractive good grade discounts to high school and college students. As long as you continue to maintain good grades, you can save anywhere from 5% to 35% off your normal car insurance premiums.

Today, we’re listing the car insurance companies that offer the best good grade discounts available today.

State Farm

State Farm claims students who maintain good grades can save up to 25%. And, unlike with certain other companies on this list, these savings last until after you graduate from college, all the way up until you turn 25.

Most other companies end good grade discounts once you graduate college. Many also cut off the discount at 23 or 24. State Farm, meanwhile, is surprisingly generous with its good grade discount, allowing good students to continue saving money until well after graduation.

Allstate

Allstate offers the biggest potential student discount on this list. Allstate claims students who maintain good grades can save up to 35% on car insurance.

Allstate also offers student away at school discounts and young driver training discounts, both of which can reduce your car insurance premiums even further. All of the ten largest car insurance companies in the United States offer good grade discounts, but not all offer student away at school discounts or young driver training discounts.

American Family

American Family offers good students a discount of up to 25% on their car insurance premiums. They’re also one of the few companies on this list to offer both student away at school discounts and young driver training discounts.

What membership discounts are available for auto insurance? Due to these advantages, American Family stands out as a popular choice among young drivers, providing some of the most competitive quotes in the nation, especially when factoring in the good grade discounts.

Amica

Amica is another popular insurance company for young drivers. Young drivers who qualify for good grade discounts will save a minimum of 15% on car insurance premiums and a maximum of 25%. Considering other companies on this list only offer discounts of “up to 8%”, Amica’s discount range of 15% to 25% seems particularly impressive.

Geico

If you maintain a good grade average in college and high school, then you may qualify for a discount of up to 15% with Geico. The discount is available to drivers between ages 16 and 24 who are full-time high school or college students.

That’s not as impressive as other discounts on this list, and most students will save less than 15%. However, Geico’s insurance premiums are already some of the lowest in the nation for college-age drivers, so you might still come out ahead of the competition.

Geico also offers driver education discounts. However, they do not offer student away at school discounts. (For more information, reda our “Geico vs. Travelers: Which Offers More Affordable Auto Insurance Quotes“).

Esurance

Esurance provides some of the most affordable car insurance prices in the nation. You can drop prices even further by qualifying for a good student discount.

Esurance doesn’t provide a specific discount range for their good student discount, and the company claims the specific discount varies between policy holders. For students wanting to maximize savings, however, Esurance is certainly worth a look as a discount insurance carrier.

Travelers

Travelers is one of America’s largest car insurance companies. As you might expect, Travelers also offers a competitively-priced good student discount of up to 8%. When combined with a student away from home discount (up to 7%) and a driver education discount (up to 8%), your premiums can drop substantially with Travelers.

Read more: What discounts are available for Travelers auto insurance customers?

Nationwide

Nationwide offers good student discounts to drivers ages 16 to 24 who are full-time high school or college students. You can save up to 15% by maintaining an average of B or higher.

Once you’re older than 24, you will not qualify for the Nationwide good grade discount regardless of whether or not you’re in college.

USAA

USAA, like Geico, already offers some of the cheapest car insurance in the nation, so their good grade discounts aren’t quite as steep as other providers on this list.

USAA doesn’t provide a specific discount range for its good student discount, claiming that the discount varies between policyholders. However, considering USAA already offers some of the lowest insurance premiums in America for college students, any discount you get on top of that is icing on the cake.

The main drawback of USAA, of course, is that you or an immediate family member needs to be active duty or retired military (or a USAA member) to qualify.

Liberty Mutual

Liberty Mutual is one of America’s biggest and best-known car insurance companies. Like all other large car insurance companies in the United States, Liberty Mutual offers powerful good student discounts.

Liberty Mutual doesn’t disclose an exact range for its good student discounts, and the discount officially “varies” between providers.

Liberty Mutual offers a student away at school discount. However, the company does not offer a driver’s education discount to young drivers.

Progressive

Progressive is known for offering some of the most competitive car insurance prices in the country. Progressive lets drivers drop rates even further with a good student discount. Progressive doesn’t disclose an exact good student discount, although it typically falls within the 5% to 15% range.

Young drivers can save even more money on their Progressive insurance policy with a student away at school discount. However, Progressive does not offer a young driver training discount.

Good Student Discount Requirements: How It Works

Requirements vary between insurance companies. However, typical good student discount requirements include:

• Licensed driver ages 16 to 25
• Maintain a 3.0 or higher grade point average (B or better)
• Full-time high school or college student
• Verified report cards or transcripts
• Homeschooled students can also qualify for good student discounts, assuming they have the proper documentation

Typically, insurance companies need a copy of your transcripts every year or so. If you fail to maintain good grades, or if your GPA drops below a certain range, then you may lose your good student discount.

Final Word

All of the ten largest car insurance companies in the United States offer good grade discounts, although discounts vary widely between insurance companies. The average discount is 7%, although some companies claim discounts of up to 35%.

Of the top 20 largest car insurance companies in the United States, only Erie and National General do not provide any type of good grade discount.

If you have a 3.0 GPA or a B average and can prove it with transcripts, then you may qualify for a good grade discount with your insurance company. Compare quotes online today to ensure you’re paying the most competitive prices for car insurance.