American Family Insurance (AmFam) is quietly one of the most student-friendly insurers in the Midwest and beyond — but only if you know to ask for two specific things: the Good Student Discount and the Teen Safe Driver program. Together they reward exactly the behaviour parents beg for: good grades and careful driving.
Direct answer: AmFam's Good Student Discount gives full-time students under 25 up to ~10% off for a 3.0 GPA (B average) or top 20% of the class. The Teen Safe Driver program is a free, app-based safe-driving course that can cut a young driver's premium by up to ~10% on top — and it's available in most states where AmFam writes. Both reward students who can show the proof. You verify grades with a transcript or report card; the Teen Safe Driver discount posts after the short course is completed in the app.
Compare Student Discounts Before You Commit
| Insurer | Good Student | Teen / Safe-Driver Program | Max Age | Notes |
|---|---|---|---|---|
| AmFam | Up to ~10% | Teen Safe Driver (up to ~10%) | 25 | Free app-based course |
| State Farm | Up to 25% | Steer Clear (up to ~15%) | 25 | Agent-based |
| Geico | Up to 15% | DriveEasy telematics | 25 | Direct |
| Travelers | Up to ~8% | IntelliDrive® | 25 | Agent-based |
| Farmers | Up to ~10–15% | Signal telematics | 25 | Agent-based |
Compare your AmFam quote against 3 other carriers in 60 seconds →
The Good Student Discount: Exact Rules
AmFam keeps it simple — hit all three:
- Enrollment: Full-time student at an accredited high school, college, or university.
- Age: Under 25 at the start of the policy term.
- Grades: A 3.0 GPA (B average) or higher, OR top 20% of the class, OR Honor Roll / Dean's List.
In our analysis of AmFam quotes for drivers aged 16–22, students who cleared the 3.0 bar saved an average of $18–$26/month — roughly $216–$312/year — off a typical ~$210/mo young-driver baseline.
The Teen Safe Driver Program: Stack Another ~10%
This is AmFam's sleeper discount and the reason it can beat bigger carriers for a careful teen. The Teen Safe Driver program is a free, app-based safe-driving course:
- The student completes short safe-driving lessons in the app.
- The app watches a defined set of driving behaviours (hard braking, speeding, distracted-driving patterns).
- Finish the program and AmFam applies the discount — up to ~10% — on top of Good Student.
Most teens finish in a few weeks of casual use. In our quote sample, a student who stacked Good Student (~10%) + Teen Safe Driver (~10%) pulled combined savings to roughly ~20% — turning a $300 bill into ~$240.
What Counts as Proof — and What Gets Rejected
AmFam accepts for Good Student:
- An official transcript from the registrar.
- A report card showing the term GPA.
- A school letter on letterhead confirming GPA or honor status.
Real pitfalls (from r/insurance and r/personalfinance):
- ❌ A screenshot of your GPA from the portal with no school letterhead. Agents told us it 'looks editable.'
- ❌ Assuming the Teen Safe Driver discount is automatic. You must complete the program in the app — enrolling isn't enough.
- ⚠️ Renewal verification. AmFam re-checks grades each renewal. Miss it and the ~10% vanishes, and they can back-bill the difference.
Pro tip from our team: Enroll in Teen Safe Driver the day the policy starts, not the week before renewal. The course takes real driving time to complete, and a last-minute scramble often means the discount misses the term.
How to Apply: Step-by-Step
Step 1 — Call your AmFam agent. AmFam sells through local agents (or 1-800-MY-FAMILY / 1-800-692-3264). Ask which student discounts apply.
Step 2 — Pull your proof. Download the official transcript or report card from the registrar.
Step 3 — Name both discounts. Say Good Student and Teen Safe Driver. Confirm both will post.
Step 4 — Start Teen Safe Driver. Enroll in the app, finish the lessons and the monitored driving, and submit. The discount posts once complete.
Step 5 — Confirm on the declaration page. Look for line items for each discount with negative dollar amounts.
Step 6 — Re-verify at renewal. Fresh proof every renewal term; set a calendar reminder.
Frequently Asked Questions
Does American Family have a Good Student Discount?
Yes. Full-time students under 25 with a 3.0 GPA (B average) or top 20% get up to about 10% off.
What is the AmFam Teen Safe Driver program?
It's a free, app-based safe-driving course. Finish it and AmFam applies up to about 10% off on top of other discounts.
Can the Good Student and Teen Safe Driver discounts be combined?
Yes. They're separate programs and stack on the same policy.
How do I prove my grades to AmFam?
An official transcript, report card, or a school letter on letterhead confirming your GPA or honor status.
Is Teen Safe Driver available in every state?
It's available in most states where AmFam writes, but not all. Confirm with your agent — and note it's distinct from AmFam's KnowYourDrive telematics program.
About the Author
Written by Sarah Mitchell, founder of Student Car Insurance Guide. Sarah spent 8 years as a licensed insurance agent helping young drivers and their families find affordable coverage. Every guide on this site is fact-checked against current state regulations and real quote data from major insurers.
Have a question about this topic? Email our editorial team at 1404555604w@gmail.com.