How To Get a State Farm Good Student Discount

State Farm’s good student discount can save drivers up to 25% off the cost of the policy.
Written by R.E. Fulton
Reviewed by Kathleen Flear
State Farm’s good student discount can save drivers under 25 years old up to 25% off the cost of the policy. All you need to qualify is a GPA of 3.0 or more while enrolled full time as a high school, college, or homeschooled student
affordable car insurance
as a young driver can be a major challenge. No matter how good a driver you are, you’ve got to contend with statistics that warn insurance companies of the high risk that drivers under 25 carry. But the solution to your car insurance woes might come from an unexpected place: your report card. 
That’s right: lots of insurance providers offer discounts to students with good grades. Trusted car insurance broker and quote comparison app
has created a guide to help young drivers and their families lower their
State Farm car insurance quotes
with a good student discount. 
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How to get State Farm’s good student discount

With State Farm’s good student discount, good grades could save you up to 25% on your insurance premiums. State Farm offers this discount to full-time students under 25 years old who are enrolled in high school or college and maintain a 3.0 GPA or higher—about a B average. 

How to qualify

In order to qualify for a good student discount with State Farm, you must: 
  • Be between 16 and 25 years old 
  • Have a 3.0 GPA or higher, be in the top 20% of your class, or give evidence of qualifying test scores 
  • Be enrolled full time in high school or college
The guidelines are pretty straightforward for most students, but if you or the young driver on your policy is homeschooled, things can get a little more tricky, since you may not have a GPA to show. The best way to qualify for a State Farm good student discount as a homeschooled student is to take a national standardized test such as the SAT or ACT and show scores in the upper 20%.

How long does State Farm’s good student discount last?

State Farm’s good student discount can last until you turn 25, as long as you maintain the right GPA. 

Why do auto insurers offer good student discounts?

It might seem random or even unfair for auto insurance companies to hand out driver discounts based on academic performance—what does being on the honor roll have to do with being a good driver, anyway? But it turns out there’s a pretty good reason that State Farm offers this discount. 
It’s all about responsibility. Car insurance companies want policyholders who can be responsible with both their driving and their finances, and a good GPA is evidence of someone who’s able to be responsible. A responsible student is more likely to be a responsible driver and to keep up with payments because they’ve shown their ability and willingness to follow rules and meet deadlines. 

The best State Farm car insurance discounts for students

A good student discount can save you up to a potential 25% off your auto insurance premium, but most State Farm policyholders end up saving around 17% with this discount. That’s because State Farm will take other factors, such as your driving record. 
But getting good grades isn’t the only way to save on the cost of your State Farm policy. Here are some other
auto insurance discounts
and savings programs that can save high school and college students a lot on State Farm premiums. 

Student away at school discount

If you have a driver under 25 years old on your State Farm car insurance policy who spends most of the year
away at school
and only drives the covered vehicle while home on vacation or during holidays, you could save on your insurance coverage by letting State Farm know. Although State Farm doesn’t state an average savings amount, this is a great way to lower your car insurance rate without jumping through a lot of hoops. 

Driver training discount

For drivers under 21 years old, an approved driver education course could also lower your insurance costs. In order to qualify for
this discount
, all drivers under 21 who operate the vehicle will need to complete the course. 
Defensive driving discounts, on the other hand, are available for State Farm policyholders of any age who take an approved
defensive driving course

Multiple auto and multiple line discounts

If you have a teen driver or college student on your policy, there’s a good chance you have multiple vehicles to insure—or you might be paying for other insurance products, such as homeowners, renters, or life insurance. 
If any of the above applies to you, State Farm has discounts to lower your auto insurance rates. A multiple auto discount can save State Farm customers up to 20%, while a multi-line discount typically saves about 17%. 

Steer Clear® 

Safe drivers generate fewer insurance claims, so car insurance companies are invested in making the young drivers on your auto insurance policy safe drivers. The Steer Clear program allows drivers under age 25 with a valid driver’s license and no at-fault accidents or moving violations in the last three years to cut their insurance rates by up to 15% by downloading a driver training app. 
We won’t lie; this one gets pretty involved. You’ll need to start by talking to your State Farm insurance agent, who will confirm your eligibility and give you further instructions. Once you’ve downloaded the app, you will: 
  • Complete five training modules on safe driving, including videos, quizzes, and driving scenarios 
  • Record five hours of driving over at least 10 trips
While you’re completing the process, authorized family members or friends will be able to leave feedback for you in the app. You’ll need to complete the program requirements within six months and send your certificate of completion to your State Farm agent to qualify for the safe driver discount. 

Drive Safe & Save™

good driver discount
program that students (and drivers of any age!) can qualify for is State Farm’s Drive Safe & Save. With this program, you’ll download a mobile app (yes, another app) and get discounts on your policy based on enrollment and your actual driving behavior. You don’t have to be accident-free or have a clean driving record to enroll! 
To enroll in this program, you don’t need to make a phone call to an agent—instead, just text SAVE to 42407 and go from there. 

How to find and compare cheap car insurance quotes

Other ways to save on car insurance include raising your deductible, installing an anti-theft device on your car, and comparing auto insurance quotes with a licensed broker like
While State Farm has great rates for a lot of drivers, it’s always a good idea to compare quotes from multiple insurance providers—especially if you’ve just added a new driver to your policy! With Jerry, you can find and compare real-time quotes from top-rated insurance providers like
in under a minute. If you find a rate that’s better than what you’re currently paying, you can switch right in the app! 
“I’m a college student, and I was struggling to find cheap car insurance. I was just about to buy insurance when I saw the
ad. It literally saved me over $300 compared to what I would’ve purchased.” —Talia B.
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