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To get a driver-safety-course insurance discount, start by finding and enrolling in a course approved by your insurance company and state. Upon completing the course, which will likely cost around $30 and take four to eight hours, notify your insurance provider and watch your next premium drop by up to 20%.
Driver-Safety-Course Insurance Discounts by State
| State | Mandated by the State? | Discount Amount | Requirements |
| Yes | Varies by insurer | Voluntary; 50 or 55 years old minimum, depending on insurer | |
| Yes | Varies by insurer | Voluntary; 50 or 55 years old minimum, depending on insurer; No at-fault accident convictions or traffic violations | |
| No | Varies by insurer | Varies by insurer | |
| Yes | Varies by insurer | Voluntary; 50 or 55 years old minimum, depending on insurer | |
| Yes | Varies by insurer | Voluntary; 55 years old minimum; Insurer may refuse to provide discount if you have a poor driving record | |
| Yes | Varies by insurer | Voluntary; 50 or 55 years old minimum, depending on insurer | |
| Yes | 5% minimum | 60 years old minimum | |
| Yes | 10-15% | No specific age requirement | |
| Yes | Not Available | 55 years old minimum | |
| Yes | 10% | 25 years old minimum; No traffic offenses or at-fault claims in the past three years; All named drivers on policy must take course | |
| No | Varies by insurer | Varies by insurer | |
| Yes | 5% minimum | Voluntary; 50 years minimum; not involved in an at-fault accident or convicted of a traffic violation | |
| Yes | Varies by insurer | 50 years minimum | |
| No | Varies by insurer | Voluntary; 55 years old minimum | |
| No | 10-20% | Voluntary | |
| Yes | Varies by insurer | Voluntary; 50 or 55 years old minimum | |
| Yes | 10-15% | Voluntary; 50 or 55 years old minimum; | |
| Yes | Up to 10% | Voluntary; 55 years old minimum; all vehicle users need to be 55 or older and have the course completed | |
| Yes | Varies by insurer | Voluntary; 50 or 55 years old minimum; driver not subjected to a driver's license suspension | |
| No | Varies by insurer | Varies by insurer | |
| No | 5-20% | Varies by insurer | |
| No | Up to 15% | Voluntary; 50 or 55 years old minimum; | |
| Yes | 10% | 55 years old minimum | |
| Yes | Varies by insurer | Voluntary; 50 or 55 years old minimum; not involved in an at-fault accident or convicted of a traffic violation; | |
| No | Varies by insurer | Voluntary; 50 years old minimum; | |
| Yes | Varies by insurer | Voluntary; 50/ 55 years old minimum OR member of the Montana National Guard; not involved in an at-fault accident or convicted of a traffic violation; | |
| No | 5-20% | Voluntary; 50 years old minimum | |
| Yes | 5-20% | Voluntary; 50 or 55 years old minimum; not involved in an at-fault accident or convicted of a traffic violation; | |
| No | Varies by insurer | Voluntary; 50 years old minimum | |
| Yes | 5 to 10% | Voluntary | |
| Yes | Varies by insurer | 55 years old minimum; | |
| Yes | 10% | All ages | |
| No | Varies by insurer | Varies by insurer | |
| Yes | Varies by insurer | Varies by insurer | |
| No | Varies by insurer | Voluntary; 50 or 60 years old minimum; | |
| Yes | Varies by insurer | Voluntary | |
| Yes | Varies by insurer | Voluntary; 55 years old minimum; no vehicle drivers under 25 years old; vehicle is not used for business; | |
| Yes | 5% | Voluntary; 55 years old minimum; | |
| Yes | Varies by insurer | Voluntary; 50 or 55 years old minimum | |
| Yes | Varies by insurer | Voluntary; No SR-22; 25 years or older; principal driver of the vehicle | |
| No | Up to 15% | Voluntary; 50 years old minimum; no SR-22 | |
| Yes | 5-20% | Voluntary; 55 years old minimum; not involved in an at-fault accident or convicted of a traffic violation; no driver's license suspension for the past 3 years; no commercial vehicles unless there is a regularly assigned principal operator; | |
| No | Varies by insurer | Voluntary; 50 years old minimum; | |
| Yes | 5-20% | Voluntary; 55 years old minimum; | |
| No | Varies by insurer | Varies by insurer | |
| Yes | Varies by insurer | Voluntary; 55 years old minimum | |
| Yes | 5-15% | Voluntary; 50 or 55 years old minimum | |
| Yes | Varies by insurer | Voluntary; 50 or 55 years old minimum; | |
| No | 5-15% | Voluntary; 50 or 55 years old minimum; | |
| Yes | Varies by insurer | Voluntary; 50 or 55 years old minimum; |
Finding an Approved Driver Safety Course in Your State
Driver-safety-course insurance discounts vary widely by state and company, so make sure that you are eligible based on your age and driving record, and confirm your chosen course is approved. Certain states allow online classes, while others require that a course be partially or entirely completed in a classroom. Some insurance companies also have affiliated courses that you can take at a lower price.
Driving courses can cost up to $100, so talking to your insurance agent will ensure you get the best value for the money. The amount you save on your premium will usually exceed the cost of a course, however, since you might save 5% to 20% annually depending on your state and insurer. Additionally, if you belong to a group like AARP or AAA, your membership might entitle you to a cheaper driving course affiliated with the association.
If you’ve already taken a driver safety course but the discount has expired, you should be able to take another course if it’s been three years or more. Some states even offer shorter renewal courses if you’ve already taken the class once.
Court-Ordered Driver Safety Courses
States with driving points systems might allow you to erase points and citations from your driving record by taking an approved driver safety course. After a serious conviction, a course is mandatory in some states.
However, taking the course because of a court-order usually disqualifies you from receiving a discount for completing it. Similarly, some states may not allow you to receive an insurance discount if you have a DUI on your record or have filed an SR-22 with the state. But taking a course in order to have a citation removed is still good for your wallet because it helps your driving record, thereby preventing future premium increases.
Regardless of the direct insurance discount, any driver safety course, if taken seriously, will help your insurance premium indirectly by lowering your risk of causing an accident.
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