USAA Good Student Discount: How It Works, Potential Savings, and More
Excellent
Been here before? Get your quotes back.
)
)
Written byMandy Sleight
)
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.
)
Edited byLequita Westbrooks
)
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.
Updated
Reading time: 4 minutes
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Table of contents
Car insurance for teens and young drivers can be expensive. In fact, our data shows that the average teen pays a whopping 85% more for car insurance than the national average for all age groups. That’s because they tend to make riskier driving decisions and have less experience than older age groups.[1]
That means it’s even more important for teens to find ways to save on their monthly car insurance bill. One of the easiest ways is to take advantage of discounts. Many insurers reward good grades by offering a good student discount for young drivers with a B average or better.
Savings vary by state and insurance company, but USAA offers a good student discount of up to 10%. We break down the details of the USAA discount below, including how to qualify, how it stacks up to its competitors, and other ways to save on USAA car insurance.
What Is the USAA Good Student Discount?
It can be shocking to see the rate increase when adding a newly licensed teen or young driver to your car insurance policy. One way insurance companies help parents combat higher insurance rates is by offering discounts to young drivers.
The good student discount is a common car insurance discount that many insurers, including USAA, offer. Responsible full-time students with good grades — usually a 3.0 GPA or better — can receive this discount from USAA until age 25.
It’s available in every U.S. state except Hawaii or North Carolina.
Get Cheaper Rates in Minutes
Compare personalized quotes and find the best policy for you.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
How Much Can You Save With the USAA Good Student Discount?
USAA advertises good student discount savings of up to 10%, but it can vary by state and other discounts you already have on your insurance policy. Other factors — such as the student’s age, driving record, and vehicle make and model — also determine how much you can save with a good student discount.
Although a good student discount could save you a decent amount, you should still brace for a potentially large rate increase when adding a teen driver. For example, some USAA customers on Reddit say their rates increased substantially, even with the good student discount.[2]
How does USAA’s good student discount compare to competitors?
USAA isn’t the only well-known car insurance company offering a good student discount. Allstate, State Farm, and GEICO are just a few companies that offer it to full-time students.
The table below shows how USAA’s good student discount and average rates compare to other top competitors, according to our research.
Company  | Average Full-Coverage Premium | Offers Good Student Discount? | Discount Availability | Maximum Discount Savings |
|---|---|---|---|---|
| USAA | $97 | Yes | Up to age 25 | 10% |
| Allstate | $128 | Yes | For unmarried drivers younger than 25 with a 2.7 or higher GPA | Not disclosed |
| GEICO | $115 | Yes | Up to age 23 | 15% on some coverages |
| State Farm | $116 | Yes | Up to age 25 | 25% |
| Progressive | $145 | Yes | Up to age 23 | Starts at 5% |
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’s good student discount is the largest discount on our list — students can earn up to 25% savings until the age of 25 with the insurer. Allstate offers the discount for any full-time student with a 2.7 GPA or better but doesn’t disclose its discount savings. Progressive offers the least savings, and only drivers 23 and younger are eligible for its good student discount.
How to Get the USAA Good Student Discount
)
Although some car insurance discounts apply to your policy automatically, getting a good student discount requires a little bit of work. You must send proof of good grades to your USAA agent to get this discount.
USAA doesn’t specify how to get and keep a good student discount on your policy. In general, you must maintain good grades and provide proof you meet the GPA qualifications at each renewal or annually to keep the discount. Meeting one of the following from your most recently completed semester usually qualifies as proof:
Honor roll or dean’s list certificate
Report card
School transcript
Top 20% class ranking
Allow a few days after submitting proof for the discount to apply. Contact your USAA agent if you need help applying the discount. You can maximize savings on your USAA auto policy by being a good driver, avoiding tickets and accidents, and taking advantage of other discounts.
Other USAA Discounts to Consider
)
USAA offers 14 car insurance discounts, according to our research, but qualifications vary. You can combine many of them, allowing you to maximize your savings.
Some of the best USAA auto insurance discounts you may be eligible for include:
Driver training discount: Teens can complete a basic driver training course to get a driver training discount.
Safe driving discount: Maintain a clean driving record for at least five years to qualify for a safe driver discount.
USAA SafePilot discount: Save up to 30% by allowing USAA to track your driving habits through its SafePilot telematics program.
Anti-theft device discount: To get the anti-theft discount, you must own a vehicle with a qualifying anti-theft device, such as a car alarm, vehicle recovery system, or security locks.
Multi-vehicle discount: Insure at least two vehicles with USAA for a multi-car discount.
New car discount: Get a new car discount when you purchase a policy for a vehicle less than three years old.
Bundle discount: Bundle your home and auto insurance with USAA to get a multi-policy discount, which saves up to 10% on the home or renters insurance policy.
Get Cheaper Car Insurance
Compare personalized quotes from America’s top insurers.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
USAA Good Student Discount FAQs
We answered common questions about getting a good student discount from USAA.
Does USAA offer a discount for good students?
Yes. Full-time high school and college students are eligible for a USAA good student discount. Students must have good grades — usually a 3.0 GPA or better — to qualify.
Which insurance company offers the largest good student discount?
COUNTRY Financial offers the largest good student discount, at up to 35%, according to our research.
What GPA do you need for a good student discount?
Most car insurance companies require a 3.0 GPA, or B average, or higher to get a good student discount. Allstate only requires a 2.7 GPA. Check your insurance company for details.
How much is the USAA good student discount?
USAA offers a good student discount with up to 10% in savings. But savings will vary by your state and other discounts you already have on your car insurance policy.
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.
Related articles
)
Switch Your Car Insurance in 6 Easy Steps
November 15, 2023
)
Six-Month vs. 12-Month Car Insurance
May 10, 2024
)
The Best Car Insurance Advice From Reddit
December 30, 2022
)
Moving Out? Follow This Change of Address Checklist
March 22, 2022
)
Compare Car Insurance Quotes Online (from $16/mo.)
November 19, 2024
)
Can You Negotiate Car Insurance to Get Lower Rates?
November 18, 2022
)
Online, Broker or Agent | The Best Way to Buy Your Car Insurance
November 19, 2021
)
Step-by-Step Guide to Shopping for Auto Insurance
October 31, 2023
Sources
About Compare.com
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
)
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.
)
)
)
)
)
)