Is there anthing grades at college can do to a teenagers auto insurance rate? Yes, a lot! You see, car insurance for teenagers, although quite expensive, can be reduced if a teen at college maintains a grade level NOT lower than B’s. The argument for this position is that young people who give much attention to their studies (and, therefore, make good grades) are less prone to acts of irresponsibility behind wheels. A responsible person won’t suddenly become irresponsible because they are behind wheels. So do your best to study hard it won’t only pay off for you in the distant future, it will also help reduce your rate.