Good student discount for car insurance?
Most good student auto insurance discounts require you to make a B+ or higher and many companies offer a good student car insurance discount including the MetLife good student discount. Other than searching for auto insurance discounts, the best way to save is to shop around for auto insurance quotes using our quote comparison tool below.
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UPDATED: Nov 12, 2020
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The following is an exported forum post from our discontinued forum. If you would like to reply to this old forum post, please post a comment below.
My family uses Met Life and has been for ages… I’m a first time driver and my father has been telling me that if I don’t get the “good student discount” he won’t let me drive… Does anyone know what their “good student discount” requirements are? How do I get one?
I’m in all honors classes, but my grades are not the best because the classes are hard. Does Met Life take this into account? Also… does anyone know any other student auto insurance discounts?
Thanks for the help!
MetLife, like many other car insurance companies, offers good student or good grade discounts to some drivers. Your parents are smart for encouraging you to apply for the discount: it saves them money on car insurance premiums and encourages you to get better grades.
Generally, with any car insurance company, you need an average of B+ or higher to qualify for a good student discount. MetLife, however, lets you get the good grade discount with an average of B or higher across all classes.
You mentioned that your grades aren’t great because you are taking more challenging classes. In this case, we recommend contacting MetLife directly to explain the situation. Sometimes, insurance companies are very flexible with good grade discounts: someone taking an engineering program might have lower grades than someone taking a pottery class, but the engineering student may still qualify for the good grades discount due to the challenging nature of the program.
MetLife requires you to have a B average or higher
MetLife specifically outlines its ‘good grade discount’ requirements online here. Here’s how the company words its policy:
High school and full time college, junior college, vocational/technical student and graduates who maintain good grades are recognized with our Good Student Discount. To qualify, students must meet one of the following requirements:
- Maintain a “B” average or better.
- Maintain a 3.0 average or better in a 4-point system for all subjects combined.
- Be included on a “Dean’s List” or “Honor Roll”
To qualify for the discount, you must send a copy of your report card or transcript to MetLife, or a document proving you are listed on the Dean’s List or Honor Roll from the most recent school semester.
You don’t actually have to currently be in school to qualify for the MetLife good grades discount: you can also qualify if you sent MetLife “proof of graduation with the required grade point average”. However, this applies more to college graduates than high school students.
Based on the above information, you’ll need at least a B average across your classes to qualify. You mentioned that you were in all honors classes, but you didn’t mention what your average was. MetLife also seems to include all classes – so if you have a lower average in your honors classes but have a higher average in, say, gym glass, then you might still qualify because your overall average is higher than a ‘B’.
If you still don’t have a B average across all classes, then we recommend contacting your MetLife agent to see if there are any exceptions available. It’s not right that you lose a discount because you are challenging yourself with honors classes. MetLife might be more understanding of your situation. Or, they could be strict and prevent you from qualifying.
Compare quotes from other car insurance providers
Alternatively, you may want to compare quotes with other car insurance providers. Most major car insurance companies in the United States offer good grade discounts programs similar to the program we mentioned above.
If you don’t qualify for the MetLife good grade discount because of your all honors program, then you may want to switch to a car insurance company that does offer the good grade discount.
A good grades discount can reduce car insurance premiums by anywhere from 5% to 15%. That may not sound huge – but it can make a difference when you’re young and paying high premiums for car insurance anyway.
See if you have a B average or higher. If not, contact MetLife to see if they can make an exception. If they’re strict on their requirements, consider buying car insurance from a provider that does recognize your hard work in school.
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Your best bet is to call your Met Life agent and see what kind of grading system they use. I don’t think anyone here will be able to help you.