Discounts
Lower Your Insurance With a Defensive Driving Discount
Completing an approved defensive driving course may do more than improve your driving skills—it could also help lower your car insurance premium. Many insurance companies reward eligible drivers with a defensive driving discount, making it another way to save on your coverage.
Discount availability, eligibility requirements, and savings vary by insurance company, making it worthwhile to compare your options before purchasing or renewing your policy.
How to Earn Your Discount
Getting a defensive driving discount is usually a simple process.
Complete an Approved Course
Choose and complete an approved defensive driving course online or in person.
Receive Your Certificate
After successfully completing the course, you'll receive a certificate of completion.
Submit Your Certificate
Some insurance companies require proof that you've completed the course before applying the discount to your policy.
Start Saving
If you qualify, your insurance company may apply the discount immediately or at your next policy renewal, depending on its guidelines.
Before You Enroll
Many defensive driving courses are available online and in person. If you're taking a course to qualify for an insurance discount, make sure it's accepted by your insurance company or meets your state's requirements.
Before enrolling, it's a good idea to ask:
- Is the course approved?
- Will I receive a certificate of completion?
- Is the course accepted by my insurance company?
Taking a few minutes to confirm these details can help ensure you qualify for any available discount.
Will I Qualify?
Eligibility requirements vary by insurance company, but several factors may determine whether a defensive driving discount is available, including:
- The insurance company you choose
- The defensive driving course you complete
- Whether proof of completion is required
- Your policy type
- State-specific eligibility requirements
Because every insurance company has its own guidelines, the availability of this discount can vary.
Defensive Driving Discount at a Glance
| Question | Answer |
|---|---|
| What is it? | A discount offered by some insurance companies to drivers who complete an approved defensive driving course. |
| How do I earn it? | Complete an approved course and provide proof of completion if your insurance company requires it. |
| Can I take the course online? | Many approved defensive driving courses are available online, although requirements vary by insurance company and state. |
| Do all insurance companies offer this discount? | No. Availability and eligibility requirements vary by insurance company. |
| When is the discount applied? | Some insurance companies apply the discount immediately, while others apply it at your next policy renewal. |
Find Out If You Qualify
The easiest way to see if you're eligible for a defensive driving discount is to compare your available options. We'll help you check for defensive driving discounts and other savings that may help lower your car insurance premium.
Getting a free quote only takes about a minute.