How often does an insurer check your report card?
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How often does an insurer check your report card?


Question:  How often does state farm insurance check your report card?  Can you send them a transcript instead?

Answer: The good student discount offered by State Farm, and other auto insurers, varies by state as do the specifics of what each insurance company requires you to show them in order to obtain a good student discount.  Typically, though, each semester you need to show them your grades.

State Farm notes that motorists (males and female) with less than nine years driving experience, who are full-time students in high school or at a college or university may qualify for a good student discount.

This insurer typically requires that your scholastic records for the immediately preceding school semester show that you meet at least one of the following:

  • Ranked scholastically in the upper 20% of his or her class.
  • Had a grade average of B or higher.
  • Had a grade point average of 3.0 (out of 4.0) or higher.
  • Was included in the Dean's List or Honor Roll.

State Farm also says that drivers with less than nine years of driving experience who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be eligible to get the good student discount for a certain period of time. That is good news if you just graduated.

With most insurance companies, to obtain the good student discount they require each semester that you furnish them with a statement, certified by a responsible official of the school indicating attainment of at least one of the above academic requirements or in lieu of such a statement, the student's or college graduate's grade report or official transcript.

If your car insurance is with State Farm, ask your agent what specific documentation they require to show proof of your good grades.

Likely a transcript from your school, showing your last semester's GPA of 3.0 or higher, would be accepted but verify this with your agent. You can also clarify how often they need you to provide proof of your good grades. Normally insurers want proof every semester to make certain that your grades still make you eligible for you to keep the good student discount on your policy.

Even with this discount with State Farm, it’s a good idea to shop around and make sure you are getting the best rates possible as well as the best discounts for teenagers. Get instant car insurance quotes for your young driver needs here.


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