What Is the Progressive Good Student Discount?

Last Updated on September 26, 2023

Progressive, like many insurers, offers a good student discount.

If you are a full-time student under age 23 with a B average or better, then you could save 10% per year on your Progressive car insurance policy.

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

Table of Contents:

How Progressive’s Good Student Discount Works

Progressive offers a good student discount to students who maintain good grades.

Studies show good students are less risky to insure. They tend to cause fewer accidents and make fewer claims. In exchange for maintaining good grades, Progressive offers a significant discount.

To qualify for Progressive’s good student discount, you must meet the following requirements:

Typically, a “B” average is equal to a GPA of 3.0. You may need to submit transcripts to Progressive to verify the discount.

How Much Can You Save?

If you qualify for Progressive’s good student discount, then you could save 10% or more on car insurance. The average discount across the United States is around 10%. Some drivers save more, while others save less.

The average college student in the United States pays around $1,941 per year for full coverage car insurance. If Progressive’s good student discount saves you 10%, then you’re saving around $194 per year on car insurance, or around $16 per month.

Depending on your state, your discount may be more or less. Some states have a discount of 5% to 15% for being a good student, for example. That means you could save anywhere from $97 per year ($8 per month) to $291 per year ($24 per month) on car insurance.

How to Qualify for Progressive’s Good Student Discount

You must be listed under your parents’ policy to qualify for Progressive’s good student discount. You cannot qualify for the discount if you have your own policy.

Once you verify you have met the grade requirements above, then contact Progressive or ask your parents to contact Progressive on your behalf. A Progressive agent can add the discount to the policy, and prices can drop immediately.

You may need to submit transcripts to Progressive every semester to maintain the good student discount. These transcripts verify you’re a full-time student and have an average grade of at least B or a GPA of at least 3.0.

How Long Does the Discount Last?

Progressive’s good student discount lasts until you no longer qualify.

Most drivers lose the good student discount when they:

  • No longer have a grade average of B or a GPA of 3.0
  • No longer are a full-time student
  • Are older than age 23

You must be a full-time high school or college student under age 23 to qualify for Progressive’s good student discount. Otherwise, you’ll lose the discount.

Other Factors Impacting Progressive Car Insurance Premiums

Progressive insures students across the United States. Depending on your location, you could pay significantly higher or lower premiums than other students, even if you both qualify for the good student discount.

Other factors impacting the cost of Progressive car insurance include:

  • Your ZIP code, including the location where you park your car at night
  • Your driving history and driving experience
  • Any previous accidents, citations, incidents, or tickets
  • Your vehicle make, model, age, and value
  • Your coverage, including any limits, whether you have full coverage or minimum liability coverage, and your deductibles
  • State insurance laws

Based on all of these factors, students may pay anywhere from $800 to $4,000 per year for auto insurance with Progressive, even with all other factors being equal.

Other Progressive Discounts for Students

As a driver or student under age 25, you pay some of the highest rates for car insurance. Fortunately, Progressive and other companies offer a number of ways to save on car insurance.

In addition to the Progressive good student discount, you may qualify for other Progressive auto insurance discounts, including:

Distant Student Discount: Progressive offers a distant student discount to drivers 22 years old or younger who go to a school more than 100 miles away from home. Assuming you have left your car at home and do not drive it while at school, you could save significantly on car insurance. You can continue to drive your car whenever you visit home, and your car remains fully covered by insurance.

Teen Driver Discount: Progressive is one of the few insurers that offer a teen driver discount. If you’re 18 years old or younger, then you could qualify for Progressive’s good student discount.

There’s a catch with both of these discounts: you must be on your parents’ policy to qualify. You cannot qualify for these discounts when you have your own auto insurance policy.

Other Progressive Discounts

Progressive offers discounts to students and non-students alike. You only qualify for the good student, distant student, and teen driver discount in certain situations. However, all Progressive policyholders can qualify for other discounts, including:

Multi-Car or Multi-Policy Discounts: If you insure multiple vehicles with Progressive or have multiple types of policies, then you could save on car insurance.

Continuous Coverage Discount: When you switch to Progressive, Progressive honors the time you spent with your previous insurer. As long as you have maintained continuous coverage, you could save on auto insurance.

Snapshot: Progressive offers a driver tracking program called Snapshot. Progressive tracks your driving habits – like braking, acceleration, speed, and average mileage. Then, Progressive provides customized car insurance pricing based on that data. According to Progressive, the average driver saves around $146 per year.

Homeowner Discount: Homeowners save money with Progressive just for being a homeowner, regardless of whether they have home insurance through Progressive.

Online Billing & Paperwork Discounts: Progressive offers discounts for getting an online quote, signing documents online, and going paperless. You can save 3% to 9% for each of these discounts.

Paid in Full & Automatic Payment Discounts: If you pay your auto insurance premiums in full upfront (say, every 6 or 12 months), or if you sign up for automatic payments, then you could save on car insurance.

Progressive also offers perks like accident forgiveness and a deductible savings bank to customize your car insurance based on your unique needs.

Final Word – Progressive Good Student Discount

Progressive offers a good student discount to full-time high school and college students under age 23 who have a grade average of B or better.

As long as you meet those requirements and are listed on your parent’s policy (not on your own policy), you should qualify for Progressive’s good student discount and save around 10% per year on car insurance.

To learn more about Progressive’s good student discount or to add it to your policy today, contact Progressive.

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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