D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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 appeared on legaladvice.com, themanifest.com, and vice.com.

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Nov 4, 2019

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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 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 discount. Typically, insurance companies will offer discounts 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 insurance companies consider students who have completed these programs to be lower insurance risks than those who have not attended driver’s safety education classes.

3. Drive Safely

Additionally, students who have a good driving history can often earn discounts 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 record clean and your insurance costs low.

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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 this discount.


To learn what discounts are available, contact your insurance company. A customer service representative will be able to help you find different ways to lower the overall cost of insuring your teenage driver. 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 safeguard against hikes in your insurance rates, these actions also reduce the chances that your teen will be involved in an accident.