What Is the AAA Good Student Discount?

Last Updated on July 19, 2023

AAA, like many insurance companies, offers a good student discount.

If you are a full-time student with a GPA of 3.0 or higher, you could save 14.3% on car insurance.

Keep reading to discover everything you need to know about AAA’s good student discount and how it works.

Table of Contents:

How the AAA Good Student Discount Works

AAA offers a good student discount in most states. It works similarly to the good student discounts from other insurers.

To reward students who maintain good grades, AAA charges lower premiums. Studies show students with good grades tend to be safer drivers. It’s a win-win situation: AAA gets a safer, lower-risk policyholder, and policyholders save money.

If you qualify for AAA’s good student discount, then you’ll save 14.3% on car insurance, according to AAA.com. The average car insurance policy in the United States is around $1,450 per year for full coverage car insurance. That means the good student discount can help you save around $207 per year on car insurance, or $17 per month.

AAA Good Student Discount Requirements

To qualify for AAA’s good student discount, you must meet two basic requirements:

  1. Maintain a grade point average (GPA) of 3.0 or higher
  2. Be a full-time student in high school or college

You may need to submit a transcript to AAA to qualify for the discount. After AAA verifies you have met the GPA requirements, AAA will immediately add the discount to your policy.

To qualify for the AAA good student discount, you must be a full-time student. If you are taking only two or three classes and are considered a part-time student, you may not qualify for the AAA good student discount.

Other AAA Student Discounts

AAA offers two other significant discounts for students.

If you are a full-time high school or college student, you may qualify for the student away or distant student discount or the teen driver training discount.

Here’s how the two additional discounts work:

Student Away or Distant Student Discount: If you are a full-time student and live more than 100 miles from home without a car, then you may qualify for AAA’s student away from home or good student discount. Because you won’t be driving your car regularly, you pay lower car insurance premiums. According to AAA.com, this discount is worth up to 46.7%. If you are a student insured under your parents’ policy, then your parents can apply this discount to their policy to save money while you’re living away from home at school.

Teen Driver Training Discount: Teen drivers who complete an approved training course can save up to 4.7% on car insurance premiums. Studies show teens who complete driver training tend to be safer drivers than teens who have not completed driver training.

Depending on your situation, you may also qualify for discounts like good driver discounts (if you have 3 to 5 years of safe, claim-free, violation-free driving history), car club discounts (if you belong to a qualifying car club), or verified mileage discounts (if you drive fewer miles than the average driver).

How to Get the AAA Good Student Discount

You can get the AAA good student discount by contacting AAA today.

Your AAA agent can verify you meet the good student discount requirements. Then, if you qualify, the agent can immediately add the discount to your policy.

You may need to email, fax, or mail a verified copy of your transcript to AAA to receive the discount. In some cases, AAA may contact your school to verify the information. Once AAA has verified you are a full-time student and meet the GPA requirements, you can begin to save 14% on your car insurance premiums.

Typically, AAA will implement the discount immediately. That means you’ll begin to pay lower insurance premiums starting on your next invoice. If you pay car insurance monthly, then your next month of auto insurance should be 14% lower.

The 14% Discount May Only Apply to Certain Coverages

If you pay $2,000 per year for auto insurance with AAA, then your good student discount may not apply to your entire policy.

Depending on your situation, AAA may only apply the discount to a portion of your coverage – like your liability coverage, collision coverage, or comprehensive coverage.

If you pay $2,000 per year for auto insurance, for example, $1,200 may be for liability coverage, and $800 may be for collision and comprehensive coverage. AAA may only apply the 14% discount to one part of this coverage. Instead of saving $280 per year (14% of $2,000), you may only save $112 per year (14% of $800), depending on how AAA applies their good student discount.

Regardless of how AAA applies the good student discount, the discount can lead to significant cost savings.

What Happens If My GPA Drops?

You must maintain a 3.0 GPA to qualify for the AAA good student discount. You must also be a full-time student. If either of these qualifications change, then AAA could withdraw the good student discount.

However, AAA may not check your grades regularly. Sometimes, AAA requires your transcripts at the end of each semester, for example, to qualify for the discount. Even if your GPA temporarily drops below 3.0, you could avoid higher premiums based on the time of year.

If unsure about eligibility requirements, contact AAA.

Other AAA Discounts for Young Drivers

Depending on your driving record, age, and driving situation, you may qualify for other discounts with AAA, including:

  • Car club discounts (save up to 5% if you belong to a qualifying car club)
  • Multi-vehicle discount (save up to 27.3% when insuring two or more automobiles with AAA)
  • Alumni association discounts (Save up to 7.4% by being part of a qualifying alumni association)
  • Loyalty discount (save up to 5.6% if you have at least one year of continuous insurance coverage with AAA)
  • Good driver discount (save up to 20% on all coverages for maintaining an incident-free, claim-free driving record)
  • Verified mileage discount (Save up to 19.1% by providing AAA with your odometer readings when requested)

AAA also provides discounts to homeowners. If you own a home, you could save money on both home and auto insurance with AAA.

Final Word on the AAA Good Student Discount

Students and young drivers pay the highest rates in America for auto insurance. However, you can save money by taking advantage of discounts like the AAA good student discount.

If you are a high school or full-time college student with a GPA of 3.0 or higher (or the equivalent at your institution), you could save 14% on your AAA car insurance premiums.

To learn more about AAA’s good student discount or to find out if you qualify, contact AAA today and speak with an agent.

James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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