Teen Driver Discounts: What’s Real, What’s Required, and What to Ask For Adding a teen driver often increases your auto premium. Discounts can help—but only if you know which ones apply, what proof is required, and when they fall off . This guide covers the most common teen driver discounts and the questions that help you keep them. We also have a full guide on young drivers as well. 1) Good student discount Many carriers offer a discount when a student maintains a strong academic record. What to know: Requirements vary (GPA, class rank, standardized test scores, etc.) You may need to submit report cards or transcripts on a schedule If grades change, the discount may change Ask: “What counts as eligibility for this carrier, and how often do we have to re-verify?” 2) Driver education / driver training credit Completing an approved driver education program may earn a discount. What to know: Some credits are time-limited The course may need to be state-certified or meet carrier standards Ask: “Is this discount permanent, or does it expire after a year or two?” 3) Telematics (safe driving apps or devices) Some insurers offer programs that monitor things like braking, speeding, time of day, and phone distraction. What to know: These programs can reward safe habits—but results vary by carrier and driving patterns It’s worth discussing comfort level and expectations before enrolling Ask: “What behaviors matter most in this program, and can the score increase premiums—or only decrease them?” 4) Student-away-at-school (or distant student) discount If your student is away at school and doesn’t have regular access to a vehicle , you may qualify. What to know: Many carriers have distance requirements and documentation rules It’s designed for lower exposure, not just a college address Ask: “What qualifies as ‘no regular access,’ and what proof is required?” 5) Multi-car and multi-policy (bundle) discounts Bundling home + auto or insuring multiple vehicles can reduce overall cost.