Best Car Insurance Discounts for Medical Students in 2025 [Save up to 35% With These Companies]
The best car insurance discounts for medical students are at State Farm, Allstate, and American Family. State Farm offers the biggest savings of up to 35%. If you're a medical student and want to qualify for a car insurance discount, you can take advantage of good student discounts and low-mileage savings.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Mar 29, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 29, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
If you’re in medical school and looking for affordable coverage, State Farm, Allstate, and American Family offer the best car insurance discounts for medical students.
Our Top 10 Company Picks: Best Car Insurance Discounts for Medical Students
| Company | Rank | Good Student Discount | GPA Required | Who Qualifies |
|---|---|---|---|---|
 | #1 | 35% | 3.0+ | Students on dean's list |
 | #2 | 22% | 2.7+ | Unmarried students under 25, full-time enrollment |
 | #3 | 20% | 3.0+ | Full-time students with good grades |
 | #4 | 18% | 3.0+ | All students under 25 with honor |
 | #5 | 15% | 3.0+ | Full-time students under 25, in top 20% class rank |
 | #6 | 15% | 3.0+ | Full time students under 26, on dean's list |
 | #7 | 12% | 3.0+ | Full-time students under 25 |
 | #8 | 10% | 3.0+ | Full-time students under 23 |
 | #9 | 10% | 3.0+ | Students in top 20% of their class rank |
 | #10 | 8% | 3.0+ | Students on dean's list, under 25 |
There aren’t specific discounts just for medical students, but you can still save with a good student discount if you keep your GPA above 3.0. You might also qualify for low-mileage savings since most medical students don’t drive much.
Some insurance companies also offer discounts for membership in medical associations, like the American Medical Association’s (AMA) partnership with Liberty Mutual, which gives members access to special savings and multi-policy car insurance discounts.
- Medical students can save up to 35% on car insurance with State Farm
- To qualify for discounts, medical students usually need a GPA of 3.0 or higher
- Some insurers require you to be 25 or under for student discounts
Use our free quote finder to compare rates from top insurers and find the best auto insurance discounts for medical students.
Top Insurance Discounts for Medical Students
Medical students can qualify for multiple car insurance discounts, making it easier to keep costs down while in school.
Top Car Insurance Discounts for Medical Students by Provider & Savings
| Company | Bundling | Good Student | Safe Driver | Member Discount |
|---|---|---|---|---|
| 25% | 22% | 18% | 10% |
| 25% | 20% | 18% | 10% |
| 20% | 15% | 20% | 10% |
| 25% | 15% | 15% | 8% |
| 25% | 12% | 20% | 10% |
| 20% | 18% | 12% | 15% |
| 10% | 10% | 10% | 15% |
| 17% | 35% | 20% | 5% |
| 13% | 8% | 17% | 10% |
| 10% | 10% | 10% | 25% |
Here’s how these discounts work, what you need to qualify, and how much you could save.
- Good Student Discount: If you’re a medical student with a 3.0 GPA or higher, you could save up to 35% with State Farm, the highest available discount.
- Bundling Discount: Combining auto insurance with renters or homeowners coverage can cut costs by 20-25%. Allstate, Geico, and Liberty Mutual are among the best companies for bundling home and car insurance.
- Safe Driver Discount: If you maintain a clean driving record, you can lower your premium by up to 20%. Farmers, Liberty Mutual, and State Farm provide top safe driver car insurance discounts.
- Member Discount: Some insurers offer discounts for professional affiliations, such as medical associations. USAA offers the biggest membership savings at 25% for military members.
Medical students balancing tuition and everyday expenses can save a lot on car insurance with these discounts.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
How to Get a Medical Student Car Insurance Discount
To get an auto insurance discount for medical students or any other type of student, you usually need to be enrolled in school full-time. Most car insurance companies don’t give part-time students access to student discounts.
Many other factors can influence whether or not you are eligible for an auto insurance company’s student discount. The requirements can vary considerably from company to company.
Students with impressive grades can gain extra savings from some companies. Some providers require a B average or better, while others require an A average.
If you're in the top 20% of your class, some insurers will offer discounts to help lower your car insurance costs.
Justin Wright Licensed Insurance Agent
If your school uses a point system to grade, you usually need a 3.0 average or better for all subjects combined. If you have been included in lists related to major academic achievements, like the Dean’s List or the honor roll car insurance discount, you can usually qualify for a student discount on your car insurance.
Some companies consider major test scores when gauging whether or not a student should gain access to discounts. If a student scored in the upper 20% on the following test, they fit the discount requirements for many insurance companies:
- PSAT
- PACT
- SAT-1
- ACT
- TAP
Tests like the California Achievement Test and the Iowa Test of Basic Skills may also be considered. Contact a representative with your insurance company to ask if it offers any of the above-mentioned student discounts.
Car Insurance Rates for Medical Students
The average car insurance premium for a student in their 20s is between $196 to $206 per month. However, medical students may see slightly lower rates because they tend to drive less, reducing their overall risk. On average, low-mileage drivers can save around 10% to 15% on premiums with best low-mileage car insurance.
When considering coverage, liability-only is typically cheaper, but medical students should think about what makes the most sense for their situation.
If your car isn’t worth much, liability may be enough. But if you’re driving a newer or more valuable car, full coverage might be a better option. Always weigh your car’s value and how often you drive before deciding.
More Ways to Save on Car Insurance as a Medical Student
The average savings from student discounts on car insurance are around 13%, but if you stack multiple discounts, you could save 25% or more.
For many drivers, that can add up to over $42 a month. Some of these discounts apply to the following situations:
- Students Away at School: If their car stays at their permanent residence, they may qualify for a student away at school car insurance discount while living on campus.
- Defensive Driving Course: Completing an approved course can lower rates since insurers reward safe driving habits.
- Advanced Safety Features: Cars with lane-keeping assistance, forward collision warning, and blind-spot monitoring may be eligible for safety discounts.
- Low-Mileage Discount: Students who drive infrequently can save, though some insurers require a tracking device to verify mileage.
- Staying on a Family Policy: Remaining on a parent’s policy is often cheaper than getting an individual plan, especially with multi-car discounts.
Apart from student-specific discounts, medical students may qualify for additional savings based on affiliations and activities.
Additional Car Insurance Savings for Medical Students
| Discount | Who Qualifies | Top Insurer Offering This Discount |
|---|---|---|
| Military | Active duty, veterans, or family | |
| Fraternity & Sorority | Medical fraternity or sorority members | |
| Student Organizations | Medical student association members |  |
| Young Driver Training | Completed defensive driving course | |
| Young Volunteer | Volunteer work in healthcare | |
Some insurance companies require people to be 25 years old or under to qualify for student discounts. That means some medical students may not be able to get student discounts on car insurance.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Securing the Best Car Insurance Discounts as a Medical Student
There may be no widespread discounts set up for medical students in particular, but you can still get your hands on a hefty student discount if you meet your auto insurance company’s requirements.
Students who work hard, drive safely, and earn good grades can often get discounts. They can also save by driving less costly vehicles that have lower insurance rates (Read More: What cars will increase the cost of insurance?)
If you’re in need of affordable auto insurance, feel free to enter your ZIP code into our free quote comparison tool to start browsing quotes from multiple companies.
Frequently Asked Questions
Which companies have the best car insurance discounts for medical students?
State Farm, Allstate, and American Family offer some of the best car insurance discounts for medical students. Medical students can save up to 35% on their car insurance with State Farm. See our State Farm car insurance review for more details.
What insurance do medical students get?
Medical students usually don’t have special insurance plans just for them. However, they can access general student discounts if they meet requirements like a good GPA, low mileage, or membership in specific student or medical organizations like the American Medical Association (AMA).
Is there a discounted car insurance rate for medical students?
While medical students don’t get a specific discount just for being in school, they can still qualify for general student discounts if they meet certain requirements, such as maintaining a clean driving record. So, while the question of do medical students get cheaper car insurance doesn’t have a straightforward answer, you can still save by meeting eligibility criteria like good grades and low mileage.
Who has the cheapest car insurance for students?
Progressive, USAA, and State Farm have the cheapest car insurance for college students.
Can medical students qualify for student discounts on car insurance?
Some insurance companies may have age restrictions for student discounts, typically applying to individuals who are 25 years old or younger. Therefore, some medical students may not qualify for student discounts on car insurance.
What levels of student discounts exist for auto insurance?
The average savings through student discounts for car insurance is around 13%. By meeting additional criteria and qualifying for other discounts, it’s possible to save 25% or more, which could amount to over $500 per year for many drivers.
Does Geico give discounts to college students?
Yes, Geico gives discounts to college students, including medical students. If you’re a full-time student and have a GPA of 3.0 or higher, you’ll qualify for their good student discount. Geico also offers other discounts, such as low-mileage discounts for students who don’t drive often and discounts for safe driving and bundling policies. For more details on all the discounts Geico offers, check out our best Geico car insurance discounts.
Can students get discounts on car insurance?
Yes, medical students can save on car insurance through discounts like the good student discount or low-mileage discount. If you’re enrolled full-time and keep your grades up, many insurers like Allstate, Geico, and State Farm will offer discounts.
Does Progressive do a good student discount?
Progressive offers a good student discount if you have a GPA of 3.0 or higher. This discount can help medical students save a good chunk on their premiums.
Does Allstate have a student discount?
Yes, Allstate offers a student discount. Our ranking of the best Allstate car insurance discounts provides more details about this and other discounts.
How much is the Allstate good student discount?
Allstate’s good student discount typically saves you about 10-15%, depending on your location and driving record.
What are the requirements for accessing discounted student coverage?
To access discounted student coverage, you generally need to be enrolled in school full-time. Other requirements may vary between insurance companies but can include maintaining a certain grade point average (such as a B average or higher), ranking within the top percentage of your class, or being listed on academic achievement lists like the Dean’s List or honor roll.
Do doctors get lower car insurance?
Once you’re a licensed doctor, you can get discounts from insurers that offer professional group discounts, like Geico or Liberty Mutual. Medical students don’t get automatic discounts for being in med school. But once you’re a doctor, these discounts can lower your premiums. To learn more about affordable options, check out the best car insurance for doctors.
Why is car insurance so expensive for college students?
Car insurance is often expensive for college students because they are considered higher-risk drivers due to their inexperience behind the wheel. Many students are also younger, and insurers typically charge higher premiums for drivers under 25.
Enter your ZIP code into our quote comparison tool to compare quotes and find the cheapest car insurance for medical students.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
