To get the AARP driver safety course insurance discount (up to 15%), pay $21.95 to enroll in the AARP SmartDriver course online, complete the course within 60 days and pass the final test. The online course takes four to eight hours to complete, depending on the state. AARP then provides an electronic certificate that can be sent to insurance companies as the proof needed to qualify for a discount.
The District of Columbia and 23 states require insurance companies to provide a discount to drivers of a certain age who complete an approved driving course online. Another 13 states require the discount for classroom courses, too, but AARP has cancelled all of its classroom courses through 2020 due to the coronavirus pandemic.
Some insurance companies will provide a discount even if it's not required by law in your state, since drivers who have completed a driver safety course are considered lower risk. But even if you don't receive an insurance discount, taking an AARP driver safety course can help decrease your insurance costs in the long run if it makes you a better driver.