How to Get a Safeco Good Student Discount
Safeco’s good student discount can help young drivers between 16 and 24 who maintain a 3.0 or higher GPA save up to 20% on their insurance policy.
Written by Andrea Barrett
Reviewed by Brittni Brinn
Safeco’s good student discount can save teen drivers ages 16 to 24 up to 20% on the cost of their insurance policy. Eligibility depends on maintaining at least a GPA of 3.0 or staying in the top 20% of the class while enrolled full-time as a high school, college, or homeschooled student.
Regardless of how good a driver you are, drivers under 25 are pegged as “high-risk drivers” thanks to years of statistics. While you may not be able to fake your age on an insurance policy to reduce your rate, there are ways to legally find
affordable car insurance
: one way is by keeping your grades up.Ready to lower your teenage or student insurance rates? We have all the details you’ll want to know! We’ll cover Safeco’s good student discount, how to qualify for it, and other ways to save on your auto insurance premium with student driving discounts.
How to get Safeco’s good student discount
With Safeco’s good student discount, maintaining good grades can help you save on your insurance premium. Safeco offers a good student discount to young people between the ages of 16 and 24 who are enrolled in high school, college, or home-school and maintain a GPA of 3.0 or higher or stay in the top 20% of the class.
How to qualify
To qualify for a good student discount with Safeco, you’ll have to meet their eligibility requirements:
- Be enrolled in a high school or college, or be home-schooled
- Be between 16 and 24 in age
- Maintain a GPA of 3.0 or stay in the top 20% of your class
If you’re unsure whether you qualify for the good student discount, contact your local Safeco representative by calling 1-800-332-3226.
How long does Safeco’s good student discount last?
Safeco doesn't specify how long a young driver can qualify for the good student discount, but it’s assumed that drivers are eligible for the discount until they turn 25, assuming they’re still a registered student and maintain high enough grades.
Why do auto insurers offer good student discounts?
Good grades may not be the first thing you think about when auto insurance discounts come to mind, but many insurance providers offer discounts to students for a couple of reasons.
First, driving a vehicle is a big responsibility and requires focus—and Safeco wants their teen drivers to do just that. Good student discounts are based on the premise that good students are better drivers, and stats have shown that students with a higher GPA tend to be more responsible behind the wheel.
Because teen drivers have the highest accident rate of all age groups, insurance premiums are much higher than the average. The average premium for drivers 16 to 19 is around $3,442 a year—this breaks down to $2,712 a year for teen girls and $4,172 for teen boys, who have the highest accident rate of any demographic. So, having a good student discount serves as a great perk for families and an easy way to save money!
MORE: How to get cheap car insurance for young drivers
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The best Safeco car insurance discounts for students
Getting in with the good student discount from Safeco can save you up to 20% on your car insurance premium, but it’s important to remember that while your grades are a big factor in the discount, Safeco also considers other factors, including your driving record.
But even if you don’t qualify for a good student discount, there are other ways to save on your Safeco auto insurance policy, like with other student and young driver discounts!
Driver training discount
For young drivers under 21, driver training courses are important to learn the rules of the road and practice safe driving. They cover the fundamentals of how a car works, the rules of the road, and strategies to stay safe behind the wheel. These courses are intended to help reduce accidents among young drivers.
In many states, completing a driving course is a prerequisite to getting your driver’s license, but in states where it’s not mandatory, completing a driver education course from an approved driving program could amount to up to a 10% discount on your premium.
Defensive driving discounts are also available for Safeco policyholders of any age who complete a state-approved
defensive driving course
.Distant student discount
For college students studying away from home, driving might look a bit different, putting them in a different risk class from other teens. If you’re in school 100+ miles away and drive a vehicle infrequently—if you’re only home on weekends or holidays, for example—it could pay to let your Safeco representative know! While teens are still considered
high-risk drivers
no matter where they’re located, this discount helps parents (and students) save on their premiums. New independent discount
If you already have a Safeco auto insurance policy and your young driver wants to move to their own but can’t stomach the price of an individual policy, the new independent discount might be the perfect solution. It helps college students get their own auto insurance policy without breaking the bank.
New teen reward discount
Parents who have had an auto insurance policy with Safeco for one year or more can add a teen to their policy and get up to 27% off their annual premium.
Tenure reward discount
If you live in a state that doesn’t have the New Teen Reward discount and you’ve held a policy with Safeco for two or more years, you may be rewarded with a discount by adding your teen to your policy at your next renewal or if you already have a teen on your auto insurance policy.
Safeco RightTrack® discount
Safe drivers make fewer insurance claims, and Safeco wants to reward them! While anyone can enroll in the RightTrack® program, enrolling your teen can help you monitor their driving behavior. It provides feedback on mileage, acceleration, braking, and nighttime driving—and enrolling in it can save you up to 30% on your car insurance premium.
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