Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 19, 2021

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For teenagers, a driver’s license represents a new-found level of independence. For parents, it means an increase in insurance premiums. Teen drivers are the most likely to be involved in fatal accidents, and by covering these high-risk drivers on your insurance policy, you can expect an increase in your premiums. Luckily, there are few things your student can do to help keep their insurance costs low.

5 Ways Student Drivers Can Save Money on Car Insurance


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1. Make Good Grades

One of the main car insurance student discounts is for good grades. Students who perform well in school are considered responsible and are therefore viewed as a lower risk to insure than students who do poorly. If your student driver has a high grade point average, ask your insurance company if you can mail or fax in a transcript for a good student discount. Typically, insurance companies will offer an insurance discount to those who have a B or 3.0 overall average in school.

2. Take a Driver’s Ed Course

Another way to get discount car insurance rates is to have your student driver complete a driver’s safety education class. According to the Centers for Disease Control and Prevention, the best graduated drivers licensing programs can lead to a decrease in collisions of as much as 40% among teenage drivers. As a result, many auto insurance companies consider students who have completed these programs to be safe drivers and therefore lower insurance risks than those who have not attended driver’s safety education classes.

3. Drive Safely

Additionally, students who have a clean driving record can often earn discounts on an auto policy as well, as they are considered less likely to cost the insurance company money. Those who have a history of accidents, on the other hand, will have higher insurance rates. Consider teaching your student driver different ways to decrease the possibility of accidents to keep his or her driving record clean and your auto insurance premiums low. Not to mention, safe driving habits save lives.

Some auto insurance companies offer usage-based insurance programs, in which you and everyone else on your auto insurance policy can use a mobile app that tracks your driving habits. For instance, Liberty Mutual offers the RightTrack program and American Family Insurance offers the KnowYourDrive program. If the app detects that you’re all driving safely, you’ll get a discount on your insurance coverage.

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4. Avoid Claiming Minor Damage

To keep your student driver’s history with your insurer clear, avoid making an insurance claim over minor scrapes or scratches. Consider whether your student will be keeping the vehicle for the long run, and whether they care much about a couple of extra scrapes. If your student expects to keep the vehicle for longer than five or ten years, minor damage won’t have a significant effect on the car’s value if they try to sell it years from now.

5. Leave the Car at Home

Finally, many student drivers will cost less to insure if they go off to college without bringing a vehicle. In this situation, you can keep your student driver on your policy, but at a discounted rate since he or she will not have daily access to the family vehicles. Typically, students must be living at a school that is over 100 miles away from home to qualify for distant student discounts. Insurance for college students is significantly cheaper if they won’t be driving regularly.


To learn what driver discounts are available, contact your insurance company and discuss eligibility requirements. A customer service representative will be able to help you secure the best student car insurance discounts, and if you can’t get reasonable auto insurance rates with your current provider, shop around for insurance quotes from other companies. Encouraging teens to drive safely is about much more than lowering insurance premiums. Motor vehicle accidents are the leading cause of death for teenagers in the United States, and hundreds of thousands of teens sustain injuries in motor vehicle accidents each year. While accident preparedness, maintenance, and accountability can help you maintain affordable car insurance, these actions also reduce the chances that your teen will be involved in an accident.