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The Allstate good student discount is available to all students under 25 years old, unmarried, and who meet one of Allstate’s three qualifying criteria. Allstate’s good student discount can reduce your premiums by up to 20%.
There are a lot of strategies for reducing your
car insurance
rates. Comparing multiple policies, building a good driving record, and driving a safe, affordable vehicle are the best places to start. Once you’ve found a good policy, adding discounts can help reduce those premiums even more.For high school and college students, one of the best discounts you can add is a good student discount. In this article, we’ll go over how to qualify for Allstate’s good student discount (also called the smart student discount) and other discounts that might be applicable for students or other young drivers. Plus we’ll go over how you can save even more money by switching your car insurance with the
Jerry
app.Compare quotes from 50+ insurers with Jerry in under 45 seconds?
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversHow to get Allstate’s good student discount
With Allstate’s “smart student discount”, students can save up to 20% on their car insurance premiums. Allstate offers this discount to students under 25 years old enrolled in either high school or college.
How to qualify
To qualify for Allstate’s good student discount, you have to be under 25 years old, unmarried, and meet one of the following criteria:
- Be a full-time student with an average GPA above 2.7–which is equivalent to a B-
- Attend school more than 100 miles from where your car is garaged
How long does Allstate’s good student discount last?
As long as you qualify for the discount, you can add it to your insurance policy. Of course, once you turn 25, get married, or your grades drop, you will no longer be able to receive the smart student discount.
Why do auto insurers offer good student discounts?
It might seem random for an insurance company to reward good grades, but the reasoning comes down to responsibility. Young drivers carry some of the highest risks of any drivers on the road, which is part of the reason why their insurance premiums are so high in the first place.
A good student is more likely to drive safely and meet payment deadlines. Therefore, the smart student discount is offered to students who can prove that they are responsible with their driving and with their finances.
The best Allstate car insurance discounts for students
The Allstate smart student discount can save you up to 20% on your car insurance, but it’s not the only way to reduce your premiums.
Allstate offers several different car insurance discounts, some of which are more relevant to student drivers than others. Here are some other discounts and savings programs for you to look into adding to your Allstate insurance policy.
Driver training discount
For young drivers, completing an approved driver's education course can lower your insurance costs. To qualify, you just need to be under 21 and provide proof that you completed the course.
Multiple auto and multiple line discounts
You can lower your car insurance by adding multiple lines to your policy, or by adding your vehicle to your parent’s insurance. Allstate offers multi-policy savings for customers who insure multiple vehicles or bundle their car insurance with their home, renters, or motorcycle insurance.
With these multi-policy discounts, you can save up to 20% on your car insurance rates.
Easy policy modifications
Allstate offers a handful of discounts that are easy to add to your policy with some slight changes. While the discounts aren’t as large as the good student discount, the savings add up fast!
Discounts for things like paying your policy in full, switching to electronic billing, or signing your policy early (more than seven days before it becomes effective) are all quick, easy ways to put money back into your pocket.
Drivewise® program
Allstate offers an opportunity for significant savings for drivers willing to track their driving habits. Through Allstate’s Drivewise program, if you turn your location to “always on” on the Allstate app and agree to the program, you can save up to 40% on your car insurance.
The app will track your driving habits and if you have a habit of driving safely, Allstate will adjust your insurance premiums accordingly.
Milewise® program
Allstate’s Milewise program
is another incentive program that can seriously reduce your insurance costs if you don’t drive a lot. With the Milewise program, your insurance rate is calculated using the number of miles you drive.Your premium is calculated as a daily flat rate plus a per-mile rate. The specifics of these rates depend on the rest of your driver profile.
For students who only have to drive a couple of miles around town or who only drive their car when they're back home, this can significantly reduce your rates.
Save even more by comparing multiple policies
Allstate offers a lot of discounts to help reduce your car insurance premiums, but so does almost every other insurance provider. Ultimately, the best way to get the cheapest insurance rates is to compare as many policies as possible.
“I’m 21 and my insurance rates have been really high for a while. In less than 30 minutes,Jerryswitched my car insurance and cut my costs in half! I recommend Jerry to my friends now!” —Liliana E.
Reviewed by Shannon Martin.
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