Grade Point Average and Teen Auto Insurance Discounts in Kentucky
Reader’s Question:
What grade point average does a teen have to maintain here in Kentucky in order to be eligible for auto insurance discounts?
Melissa
Louisville, KY
There is no law in Kentucky that says one must pass a certain grade point average in order to be eligible for driving. However, there is what they call No Pass, No Drive law that is stated under the KRS 186.400 administration law. This law states that participating schools must notify Kentucky’s Transportation Cabinet about minors who abandon school or are academically unsatisfactory. These students may be evaluated and may have their driver’s licenses dismissed if found to be school dropouts.
However, a driver who was given a driver’s permit while still under the age of 18 should take a driver education program. The driver must pass a written test before being subject to further evaluation for unrestricted license eligibility.
If the teen already has a learner’s permit, he must be able to get auto insurance. However, if he gets into trouble before getting his auto insurance and gets his license dismissed, he may have a hard time getting insurance. This is because auto insurance companies need to make sure that the person they are insuring is eligible to drive (with a driver’s license). If he has a dismissed license or drives without any license, chances are the auto insurance company would be paying for a bigger amount and would make them consider the driver as a high-risk.
What Grade Point Average Does Teen Driver Need For Car Insurance Discount ?
Reader’s Question:
I have a 16 year old teenage son and I was wondering what grade point average he needs in the state of Kentucky to qualify for a car insurance discount?
Bill
Louisville, KY
I am not aware of that grade point average that someone has to carry in order to be able to have car insurance in KY. What I do know is that KY does have a form of the No Pass, No Drive law in Kentucky though that authorizes the Kentucky Transportation Cabinet to have administration regulations regarding a young or minor driver licensing applicant.
This administration regulation, requires participating schools to inform the Transportation Cabinet if a minor is academically deficient or withdraws from school. Therefore as a 16 or 17 year old and you drop out of a participating school or deemed to be deficient academically, you will lose your driver’s license.
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