Do insurance companies check grades?

Insurance companies check grades only if you are applying for a good student discount. These car insurance discounts can be a great way to save on a policy, as adding a teen driver to an insurance policy can make rates double. The good student discount affords a break in premium for students who maintain a “B”, or “3.00” average in school.

We go over everything you need to know about how to get a good student discount, from what proof you need to provide to how to make sure you are getting the best rate possible.

Qualifying for the Good Student Discount

Insurance companies certainly don’t check your grades by contacting your school. They’ve got better things to do with their time. But they certainly don’t just take your word for it, either. Instead, insurance checks grades by asking you to submit approved documents that prove the student has a “B” or “3.00” average in school.

A copy of school transcripts or a “most recent” copy of a report card must be submitted with an auto insurance application in order for the discount to be honored.

What to Do if Grades Drop

So you had a tough semester, and your current grades reflect it. There is some flexibility. For example, an A student can have some Bs and still qualify. If your student falls below the set minimums, you would lose the good student discount. This can disqualify a student from the discount on the policy when it renews. The key is renewal.

TTAI is not aware of an insurer that requires grade reports more frequently than a car insurance policy renewal. How fast the discount is removed (if you can’t get your grades up) depends on your policy term and renewal.

Read more: Car Insurance Renewal Tips

If you have a 12-month policy, you may be able to get the grades up before the policy renews and the insurer asks for a new report card. If you opted for the six-month auto policy, or that’s all your current insurer offers, you’ll be providing report cards more often.

The best advice we can give is to keep up at least a “B” average. It keeps your parents and insurer happy.

How to Get the Best Insurance Rates

Get insurance quotes online to determine how much you should be paying for car insurance. If you’re making significant changes like adding a teen driver, this is the perfect time to get an insurance quote or three and see how competitive your current carrier is.

Check out their good student discount if you have a full-time student and compare it to your other options. This includes college students for many insurance companies (read about the best car insurance for students). It’s also based on your zip code and where your student lives.

Even if you’ve been with your current insurer for a long time, it doesn’t hurt to look for more safe driving and other discounts. You may be surprised at what you get. Once that’s complete, visit or call a local independent insurance agent to have them shop your rate with several insurers to get as close to that rate as possible.

The Final Word on Good Student Discounts

Good student discounts are a great way for young drivers to get savings on their auto insurance policy. Now that you know how insurance companies check grades and what you need to do to qualify, you can get started on earning your good student discount.

However, make sure you are also checking rates to get the best deal. There may be a car insurance company out there that can beat your current premium without a good student discount. Use our free quote comparison tool to find the best deal on auto insurance policies for young drivers from companies in your area.