Allstate Student Discount: How It Works, Potential Savings, and More
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Written byMandy Sleight
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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.
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Edited byLequita Westbrooks
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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.
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In This Article
New drivers are riskier to insure because they have less driving experience and are more likely to make dangerous mistakes behind the wheel.[1] Taking advantage of discounts is one of the easiest ways to lower your car insurance premium, especially for young drivers who often face higher rates.
Allstate’s good student discount rewards high-achieving students with savings on their auto insurance costs. It’s a great fit for high school and college drivers who maintain good grades and meet other requirements.
Below, we’ll break down how the discount works, how much you could save, how to qualify, and other ways students can save money with Allstate.
What Is the Allstate Student Discount?
Many insurance companies offer student discounts to help offset high premiums for young drivers. Working hard to get good grades is an achievement, and lower insurance policy costs are just one incentive for teens and college students.
Allstate offers a smart student discount for eligible drivers who are full-time students, younger than 25, not married, and meet at least one of the following criteria:
Have a B- grade point average or a GPA of 2.7 or better
Complete the teenSMART driver education program
Attend college at least 100 miles from home without a household vehicle
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How Much Can You Save With the Allstate Student Discount?
Allstate doesn’t disclose exact savings for its student discounts, and average savings can be hard to pin down due to limited customer reporting. How much you save will depend on factors like your state, policy details, and any other discounts you qualify for. The best way to find out your potential savings is to speak directly with your Allstate agent.
That said, one Reddit user says they saved $897 on their Allstate policy after applying 10 discounts, including the smart student discount. Commenters stress the importance of speaking with an agent instead of buying online to understand how the insurer applies discounts.[2]
How does Allstate’s student discount compare to competitors?
Most insurers, including GEICO, Progressive, and State Farm, offer student discounts. Check out the table below for a breakdown of how Allstate’s good student discount compares to other companies in overall average rates, discount availability, and maximum potential savings.
Company  | Average Full-Coverage Premium | Offers a Student Discount? | Discount Availability | Maximum Discount Savings |
|---|---|---|---|---|
| Allstate | $129 | Yes | Up to age 25 | Unspecified |
| GEICO | $153 | Yes | Up to age 23; Only available on certain coverages | Up to 15% |
| Progressive | $164 | Yes | Up to age 23; NC, OK, TX, and WA discounts may be lower, and not available in CA or HI | Starts at 5% |
| State Farm | $116 | Yes | Up to age 25 | Up to 25% |
| USAA | $97 | Yes | Up to age 25 | Up to 10% |
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 discount is the largest, but some insurers don’t advertise discounts or actual savings. Allstate, State Farm, and USAA allow students to qualify for the discount up to age 25, while GEICO and Progressive cap the discount at age 23.
How to Get the Allstate Student Discount
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Although some car insurance discounts are automatic, you must provide proof of eligibility for the good student discount. To get the discount, contact your Allstate agent to let them know you or your child meets the qualifications and provide one of the following documents for proof:
Most recent report card showing a B average or better
Most recent semester’s honor roll or dean’s list certificate
Transcript showing class rank and GPA
You can also qualify for the student discount by providing the address of your college that’s at least 100 miles from your home and confirming you aren’t taking a vehicle with you. Or you can complete a teenSMART driver’s education course through ADEPT Driver, which costs $69.95, and provide the completion certificate to your agent.
Other Allstate Discounts to Consider
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The student discount is just one way to lower your costs, but it’s not the only way you can save with Allstate. The insurer offers 12 car insurance discounts, many of which you can stack together to maximize savings.
Some other Allstate discounts you may qualify for:
Safe driver bonus: You can earn a bonus every six months if you remain accident-free after enrolling in the Allstate Safe Driving Bonus program.
DriveWise: You can also save up to 40% for safe driving by allowing Allstate to monitor your driving habits through the Drivewise app.
FullPay discount: Allstate offers several payment options to pay your insurance bill, but you can save when you pay your premium in full at each renewal.
Responsible payer discount: Pay your bill on time and get a discount for not receiving a non-payment cancellation notice.
Multiple policy discount: Get a multi-policy discount and save up to 25% by bundling your car insurance with another qualifying Allstate policy, like a homeowners or renters policy.
Anti-lock brake discount: Save money with a safety features discount if your vehicle has anti-lock brakes (ABS).
Allstate eSmart discount: Sign up for ePolicy documents for a paperless discount.
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Allstate Student Discount FAQs
We answered common questions people ask about Allstate’s student discount.
Does Allstate offer a discount for students?
Yes. Allstate offers a discount for students who have good grades, attend college at least 100 miles from home, or complete a driver’s education course.
Which insurance company offers the largest student discount?
COUNTRY Financial advertises savings of up to 35%, the largest student discount we found. Discount savings and availability vary by insurer, state, coverage options, and other discounts on your policy.
How do you qualify for the Allstate student discount?
You can qualify for the Allstate student discount with a 2.7 GPA or better if you go to college 100 miles or more away from home or complete an online ADEPT Driver education course.
Do students get better car insurance rates?
Students pay higher premiums because they lack driving experience, but they can get better car insurance rates if they’re safe drivers, have a clean driving record, or have good grades. Cost savings and availability vary, so it’s worth getting a quote from multiple companies to comparison shop for the best rates.
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.
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Sources
- Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts."
- Reddit. "Buying Allstate car insurance online - when do the discounts come in?."
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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.
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