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Why Do “Good Students” Get Discounts?

Younger drivers often face paying higher car insurance premiums than more experienced drivers because they are more prone to accidents and, as such, statistically present a higher risk to their insurance companies.

Fortunately, if you are a young driver (or the parent of a young driver), you do have options to offset these costs. Good student discounts can be a great way to save money on car insurance coverage for drivers in their teens or early twenties.

What Is a Good Student Discount?

A good student discount is exactly what it sounds like; it rewards students financially for doing well in school.

Because statistics show that students who get good grades are less likely to get into a car accident, car insurance companies see them as lower risk and, in turn, offer savings on their rates.

Some insurance companies may even continue the discount for a finite period (e.g., 1 year) after the student finishes school.

Exactly how much gets taken off the student’s car insurance premium will vary amongst companies, so it’s a good idea to contact Van Beurden Insurance Services to see which carriers offers the most substantial savings.

Qualifying for a Good Student Discount

In order to get the insurance discounts available to good students, most car insurance companies require that the student currently:

  • Be younger than 25 years old.
  • Be enrolled full-time at a high school or college/university.
  • Maintain at least a B average (3.0 grade point average), or be on the honor roll or Dean’s List.
  • Show other accepted proof of good performance (if home-schooled).
    • See “Proving Good Student Status” below.

If your (or your child’s) grades aren’t high enough to qualify, you can work to get them up. Once they are at the required level, you can revisit the discount with your carrier.

Proving Good Student Status

Auto insurance companies generally require proof that the student is maintaining good grades.

The following items will typically be accepted as proof of good student status:

  • Report card.
  • Letter signed by your school administrator.

You may need to provide proof of good student status every time you renew your policy to continue receiving the discount.

 Driver’s Education Discounts

While not technically a “good student discount,” teen drivers are often given discounts for completing and passing an approved driver’s education course.

This and other valuable information can be found by visiting the DMV website.


Please contact me today to discuss your insurance needs.

Judy Irons

Sales Associate | Los Osos