State Farm Good 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 byLequita Westbrooks
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Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Table of contents
Adding discounts to your car insurance policy is one of the easiest ways to save money on your premium. A good student discount is available for full-time high school or college students with good grades — usually a B or 3.0 or better GPA.
Many insurance companies offer this discount, including State Farm. Policyholders can save up to 25% on their auto insurance with a good student discount. Here’s how it works, how the State Farm discount stacks up to competitors, and other ways you can save on your State Farm policy.
What Is the State Farm Good Student Discount?
Teens and young drivers generally pay the most for car insurance because they make riskier driving decisions and have less experience than older age groups.[1] Many insurance companies, like State Farm, offer specific discounts for young drivers to save on the cost of car insurance.
Any teen or young driver up to age 25 on a State Farm policy can qualify for a good student discount. The young driver must be a full-time high school or college student and meet one of the following qualifications:
3.0 or higher GPA
Rank within the upper 20% of your class
Make honor roll or dean’s list for a given semester
Rank within the top 20% of national standardized tests dated within the last year if you’re a homeschooled student
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How Much Can You Save With the State Farm Good Student Discount?
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State Farm advertises savings of up to 25% with its good student discount. But the amount can vary by factors like your state, GPA, vehicle type, and coverages. Note that this discount may apply solely to the vehicle — not the policy — of the eligible driver.
Since the details are murky, we looked for real-world customers to see how it works. Some State Farm agents on Reddit say State Farm may accept your weighted GPA if your unweighted GPA is lower than 3.0.[2] Your current GPA for the most recent semester — not your cumulative GPA — is what matters.[3] A higher GPA may also mean a bigger discount.[4]
That said, it’s a good idea to talk with your State Farm agent to find out how much you can save on your personal policy and how the good student discount works in your state.
How does State Farm’s Good Student Discount compare to competitors?
The good student discount is a common discount auto insurers offer. Qualifying students can also get a good student discount from insurers like Progressive, Nationwide, and Travelers, though eligibility varies.
See how State Farm stacks up against the competition in terms of average rates, discounts, and maximum savings in the table below, according to our research.
Company  | Average Full-Coverage Premium | Offers Good Student Discount? | Discount Availability | Maximum Discount Savings |
|---|---|---|---|---|
| State Farm | $117 | Yes | All U.S. states | Up to 25% |
| GEICO | $115 | Yes |
| Up to 15% |
| Progressive | $143 | Yes |
| Starts at 5% |
| Travelers | $188 | Yes | All U.S. states | Varies |
| Nationwide | $178 | Yes |
| 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.
No competitor on the list offers more potential savings than State Farm. And some companies don’t offer the discount in every state. For example, Progressive doesn’t offer a good student discount in California.
How to Get the State Farm Good Student Discount
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Follow these steps to get the State Farm Good Student Discount:
Confirm eligibility. Although full-time students younger than 25 generally qualify with a B or above GPA, rules vary by state. For example, drivers who got their license within the last nine years can qualify, regardless of age, in California. In Oregon, you might be eligible for the discount if you’re younger than 25 and have completed your associate’s or bachelor’s degree but aren’t a current student.
Gather your documents. State Farm requires proof of good grades to apply the discount. You’ll need your most recent report card, honor roll or dean’s list certificate, or other qualifying document to get the discount.
Provide documentation. Send your documents to your State Farm agent to receive your car insurance discount.
Check for the discount. Review your policy to make sure you get the Good Student Discount and to see how much you’ll save.
Other State Farm Discounts to Consider
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The Good Student Discount isn’t the only young-driver discount State Farm offers. With 18 car insurance discounts to choose from, some other discounts you can stack together to get even more savings include:
Steer Clear: If you have less than three years of driving experience, a clean driving record, and are younger than 25, you can complete State Farm’s young driver training program, Steer Clear, for additional savings.
Driver training discount: Drivers younger than 21 can get a driver training discount after completing an approved driver education course.
Student away from school: College students who go to school at least 100 miles from home and don’t take a vehicle may be eligible for a student away at school discount.
Drive Safe & Save: Drivers of all ages can get up to 30% in savings with State Farm’s Drive Safe & Save program, which tracks each driver’s driving habits.
Multi-policy discount: Insure your auto and at least one other policy, such as home, renters, condo, or life insurance, to save up to 17% with a multi-policy discount.
Defensive driving course: Complete a defensive driving course and provide your insurer with a certificate with the completion date to get a defensive driver discount. Age and eligibility vary by state.
Multi-car discount: Insuring at least two cars with State Farm can qualify you for a multi-car discount of up to 20%.
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State Farm Good Student Discount FAQs
Here are some common questions about the State Farm good student discount to help you save on car insurance.
Does State Farm offer a student discount?
Yes. State Farm offers several student discounts. Students can get a discount for good grades, completing a driver education course, and going to college over 100 miles from home without a vehicle. State Farm also has a young-driver training program called Steer Clear.
Which insurance company offers the largest good student discount?
COUNTRY Financial offers the largest good student discount. Eligible students can save up to 35% on their car insurance with the insurer. State Farm also has a sizable good student discount savings of up to 25%.
What GPA do you need for a good student discount?
Most car insurance companies require a 3.0 GPA or higher for a good student discount. Homeschooled students can also qualify if they rank in the top 20% of national standardized test scores.
Do car insurance companies verify grades for good student discounts?
Yes. Car insurance companies verify your grades for good student discounts. You must submit your most recent report card, qualifying test scores, or an honor roll or dean’s list certificate to get the discount. Some insurers may also accept a transcript from your school.
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
- NHTSA. "Teen Safe Driving: How Teens Can Be Safer Drivers."
- Reddit. "State Farm Good Students Discount."
- State Farm Good Student Discount. "State Farm."
- Reddit. "State Farm round and round (long) - looking for advice."
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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.
Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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