Progressive Student Discount: How It Works, Potential Savings, and More
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Written byMandy Sleight
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Table of contents
Discounts are one of the easiest ways to save money on car insurance. And with teens and young drivers paying some of the highest rates of any group, it’s even more important to find ways to lower your bill.
Full-time high school and college students with good grades can qualify for a good student discount. Insurers typically require a 3.0 or higher grade point average (GPA). Progressive is one of many auto insurance companies offering a good student discount. Savings start at 5% in most states.
Here’s how to get a good student discount, who qualifies, and what other discounts Progressive offers to help young drivers save.
What Is the Progressive Student Discount?
Many car insurance companies offer a good student discount. Most insurers — including Progressive — require students to be full-time and receive at least a B average on their most recent report card.
Some insurance companies — like Liberty Mutual and State Farm — offer a discount for students up to age 25. But Progressive offers its good student discount only to drivers up to age 23. Students must also be on someone else’s car insurance policy, not their own.
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How Much Can You Save With the Progressive Student Discount?
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Progressive’s website advertises that its good student discount savings start at 5%, but it’s not available in California or Hawaii. And the base discount amount might also be lower in North Carolina, Oklahoma, Texas, and Washington.
Although Progressive offers several student discounts, you may not be able to stack them together for more savings, as several Reddit users found out.[1] Some Progressive customers reported that their students didn’t qualify for the distant student discount because they already had a good student discount.
Adding a teen driver to your auto policy is expensive. A good student discount incentivizes your child to get good grades to help lower the cost of car insurance. Ask your Progressive agent how much you can save with a good student discount.
How does Progressive’s student discount compare to competitors?
Progressive is just one insurance company with a good student discount. Other companies — including GEICO, State Farm, and Allstate — also offer it.
See how Progressive’s good student discount compares to competitors in the table below, including average premiums, discount availability, and maximum savings, according to Compare.com data.
Company  | Average Full-Coverage Premium | Discount Availability | Maximum Discount Savings |
|---|---|---|---|
| Progressive | $148 | Not available in CA or HI | Varies |
| GEICO | $114 | Available in most states | 15% on some coverages |
| State Farm | $116 | Not available in HI | 25% |
| Liberty Mutual | $244 | Varies by state and may apply only to specific coverages | Varies |
| Allstate | $128 | Available in most states | Varies |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm offers a good student discount with up to 25% in savings. But State Farm’s and Progressive’s student discounts aren’t available in Hawaii. GEICO and Liberty Mutual discount only specific coverages, and the savings amount varies by state.
Comparing car insurance quotes from multiple companies is the best way to find the lowest insurance rate for your student.
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How to Get the Progressive Student Discount
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Progressive offers its student discount to full-time students 22 and younger with a 3.0 or better GPA. You must provide proof of good grades to add the discount to your car insurance policy. The following documents typically qualify:
Most recent report card
Dean’s list or honor roll certificate
Transcript including your most recent completed semester
Although some companies only allow single drivers to get a good student discount, Progressive offers the discount to married drivers. But the qualifying student and their spouse must be on someone else’s policy to get a Progressive student discount, not their own.
Other Progressive Discounts to Consider
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Progressive offers multiple car insurance discounts that you can usually combine to maximize your savings. Discounts you may qualify for include:
Teen driver: Drivers aged 18 and younger can qualify for a discount.
Distant student: You may qualify for a student away at school discount if you’re under 23, go to college at least 100 miles away from home, and don’t take your car to school.
Multi-car: Insure two or more vehicles with Progressive to save an average of 12% with a multi-car discount.
Multi-policy: Save an average of 7% with a multi-policy discount by bundling another Progressive insurance policy with your auto policy, such as home or renters.
Homeowner: You can get a homeowner discount just for owning a home, even if you don’t insure it through Progressive.
Continuous insurance: New Progressive customers can get a loyalty discount on their first policy renewal based on how long they were with their previous insurance company.
Sign online: Sign your insurance policy documents online for an average savings of 9%.
Progressive Student Discount FAQs
We answered common questions drivers ask about student discounts. Check them out below.
Does Progressive offer a discount for students?
Yes. Progressive offers a discount for good students and students away at school. Savings for Progressive’s good student discount start at 5%.
Which insurance company offers the largest student discount?
COUNTRY Financial offers the largest student discount, according to our research. Qualifying students with good grades can save up to 35% on their car insurance.
Do college students get discounts on car insurance?
Yes. College students can get discounts on car insurance. College students with at least a B average can get a good student discount. The distant student discount is for students who go to college at least 100 miles away from home and don’t take a vehicle to campus.
What GPA qualifies students for an auto insurance discount?
Qualifications for a good student discount vary by insurance company, but most require a 3.0 or better GPA — the equivalent of a B average.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Sources
- r/Insurance on Reddit. "Removing a child from insurance while at college."
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Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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