Do You Need to Submit a Report Card for the Good Student Discount?

Last Updated on December 25, 2025

Usually, yes—you’ll need to provide proof to get (and keep) a good student discount. Most insurers won’t just take your word for it, and they’ll ask for documentation like a report card, transcript, or a school verification form.

If you want the full eligibility rules (who qualifies, what “good” means, and how discounts work), see our guide to the good student discount for car insurance.

Key Takeaways

• Most insurers require proof (report card, transcript, or a school-signed form) to start and keep a good student discount.
• Typical eligibility standards include a B average / 3.0 GPA, honor roll/Dean’s list, or top-of-class performance (rules vary by insurer and state).
• Good student discounts often land in the 5%–25% range, so savings can be meaningful on high-cost teen/young-driver policies.
• Many insurers re-verify grades at renewal or each term—submit updated documents on time so the discount doesn’t fall off.

Do you have to submit a report card for the good student discount?

In most cases, yes—or something very similar. Some companies specifically ask for a current report card, while others accept a transcript, honor roll/Dean’s list documentation, or a form signed by a school administrator.

And “submit” doesn’t always mean mailing paper anymore. Many insurers let you upload a PDF or screenshot through an online portal/app, or send it to your agent by email. Requirements vary by company and state.

Why insurers ask for proof

Good student discounts exist because insurers often treat strong academic performance as one sign of lower risk. But to apply the discount consistently, they need a way to verify eligibility—so they require documentation at sign-up and then again on a schedule they set.

This matters because teen and young drivers are typically among the most expensive drivers to insure. Even a modest discount can add up over a 6- or 12-month policy.

What counts as “proof” (common documents insurers accept)

Most companies accept one of the following:

• High school report card (often the most recent grading period)
• College transcript (official or unofficial—depends on the insurer)
• Honor roll / Dean’s list documentation (certificate, letter, or similar)
• School verification form signed by an administrator
• Homeschool alternatives (standardized test scores or other documentation, depending on the insurer)

If you’re not sure what your insurer accepts, ask before you submit anything. That way you won’t lose time (or the discount) because you uploaded the “wrong” document.

What grades do you need to qualify?

Insurers don’t all use the same definition of “good student,” but these are the most common qualifying standards:

• B average or higher
• 3.0 GPA or higher (or equivalent)
• Top 20% of the class (or comparable academic ranking)
• Honor roll / Dean’s list

Some companies also require the student to be full-time and under a certain age (commonly under 25). Your insurer can tell you the exact rules they apply in your state.

How much can you save with a good student discount?

Savings vary by insurer and state, but many good student discounts fall somewhere in the 5% to 25% range (sometimes applied to certain coverages rather than the entire bill). Because young-driver premiums can be high, that percentage can translate into meaningful dollars over a policy term.

Tip: good student discounts often stack with other savings. To lower your cost further, review other auto insurance discounts you may qualify for (multi-car, distant student, telematics, safe driver, and more).

How often do you need to resubmit grades?

There’s no universal schedule. Some insurers ask for proof at renewal (every 6 or 12 months). Others may request updated documents each semester/term or once per year.

To avoid losing the discount unexpectedly, ask your insurer or agent:

• When proof is due (each renewal vs. each semester/term)
• Whether unofficial transcripts/screenshots are accepted
• Whether a school form must be completed
• How long the discount stays available (often until a certain age)

How to submit proof (without oversharing)

Keep it simple and clean:

• Use the newest document (most recent grading period/term).
• Make sure your name and school are visible.
• Confirm what the insurer actually needs (often just GPA/class rank/honor roll status).
• Redact unnecessary details (like student ID numbers) as long as the document still clearly shows your name and qualifying performance.

Can you “just tell them” you have good grades?

Almost never. The discount is based on verifiable eligibility, and insurers typically require documentation (report card, transcript, or an accepted alternative).

Don’t fake grades: it can become insurance fraud

Submitting altered documents to get a discount can cross the line into insurance fraud. Beyond legal trouble, it can create real policy consequences if the insurer discovers misrepresentation—like losing discounts, getting non-renewed, or running into coverage disputes when you need help after a crash.

If an insurer believes important information on a policy is false, it may affect how claims are handled. For related scenarios, see how and why insurers can deny an insurance claim.

FAQs on the Good Student Discount (Report Cards & Transcripts)

Final word

Good student discounts can be a solid way to reduce the cost of insuring a teen or college driver—but you typically have to prove eligibility. In practice, that means submitting a report card or transcript (or another accepted document) at sign-up and then again on the insurer’s timeline.