Defensive Driving Course Discounts Explained

Last Updated on July 11, 2020

Drivers who take defensive driving courses are statistically safer to insure.

If you have taken a defensive driving course, then insurance companies seek your business. Drivers who invest in defensive driving courses today tend to be safer drivers in the future. Plus, defensive driving courses teach you to become a better driver.

Some companies reward defensive driving classes better than other companies. Today, we’re highlighting which companies offer the best driver training course discounts.

What is a Driver Training Course Discount?

Defensive Driving Course Discounts ExplainedMost insurers offer some type of defensive driver training course discount. In exchange for taking an approved course, you save 5% to 15% on car insurance.

Some driver training course can be completed in a weekend (say, two full days of instruction). Others take place over a month (say, with 1 to 2 classes per week).

After passing a driver training course, you are a statistically safer driver. Insurers reward defensive drivers with lower insurance premiums.

Driving Training Course Discounts by Company

Most of America’s largest insurers offer driver training course discounts, also known as driver’s education discounts or defensive driving class discounts. Below, we’ll explain how driver training course discounts work with the country’s largest and best-known insurance companies.

InsurerDriving Training Course Discount
AAAAAA has a network of approved driver education courses. AAA members receive a 10% discount on most courses offered. And, if you buy car insurance through AAA or an affiliate company, you can save 5% to 10% on car insurance.
AllstateAllstate offers two types of driver education discounts. Allstate offers discounts to drivers who are 25 years old and have completed 6+ hours of defensive driving courses. You qualify for a discount of up to 10% if you have completed this course and have no violations or at-fault claims on your record. Alternatively, students can qualify for a driver education discount by maintaining good grades and completing a driver education course.
- Learn about other Allstate discounts here.
American FamilyAmerican Family Insurance (AmFam) lets drivers save instantly by taking a defensive driving course. Defensive driving course discounts are available to younger drivers (under age 21) and older drivers (over 55). You must complete an approved defensive driving course in your state to qualify for a driver’s education discount, which is worth 5% to 10% for most policyholders.
AmicaAmica’s defensive driver discount program is available to any qualified adult drivers who have completed an approved driving course. While other companies offer discounts exclusively to younger or older drivers, Amica is one of the few to offer driving training course discounts to drivers of all ages.
ErieErie offers driver training discounts for young drivers (21 and under) who complete an approved defensive driving course. It’s part of Erie’s package of ‘Youthful Driver’ discounts (for unmarried drivers under 21 who live with their parents) and ‘Youthful Longevity’ discounts (for unmarried drivers insured with Erie for consecutive years).
- Learn about other Erie discounts here.
EsuranceEsurance, like Farmers, offers driver’s education course discounts to younger and older drivers. If you are a driver over 50 who has completed an approved driver education course, or a driver under 21 who has completed a teen smart driving course, then you could save on car insurance.
- Learn about other Esurance discounts here.
FarmersFarmers offers driver training course discounts to drivers who have completed an approved course. If you have completed an approved defensive driving course, then you could save $50 to $100 per year on car insurance. Farmers recommends that younger and older drivers take the course to improve their skills and reduce premiums.
- Learn about other Farmers discounts here.
GEICOGEICO offers a driver’s educational course discount in most states, although the discount varies widely between states. If you have completed a defensive driving course, you may be able to save money on GEICO insurance premiums. GEICO offers a discount to young drivers who have completed a driver’s education course, as well as a discount to older drivers who have completed a defensive driving course. With GEICO’s driving training course discounts, you can save money on car insurance at any age.
- Learn about other GEICO discounts here.
KemperKemper offers discounts to young and old drivers who complete an approved driver training course. If you are a young driver (under 25) or a mature driver (over 55), then you can save 3% to 10% by completing an approved ‘driver improvement course’. Talk to your Kemper agent for approved driver education courses in your area.
Liberty MutualLiberty Mutual gives both young and old drivers a discount of 5% to 10% on car insurance by completing a defensive driving course. You can complete a defensive driving course online or offline. Drivers can also enroll in the RightTrack driver education / driver tracking program to save more money on car insurance.
- Learn about other Liberty Mutual discounts here.
MercuryMercury’s driver training discount is available to drivers 55 or older who have received a driver improvement course certificate from a certified DMV school. It’s also available to young drivers (under 21) who have completed an approved driver training course or driver education course.
MetLifeMetLife offers defensive driver course discounts of up to 7%. To qualify, you must be licensed for at least 2 years. Talk to your MetLife agent to find approved driver education courses in your area.
- Learn about other MetLife discounts here.
National GeneralNational General offers save driving discounts to teen drivers who have completed an approved driver education course. If you are a teen driver who graduated from a licensed program, then you could save 3% to 10% on car insurance. Defensive driving course discounts are exclusively available to teen drivers (16 to 19 years old).
NationwideNationwide offers a defensive driver discount to any drivers who complete a state-certified defensive driving course with a passing grade. The specific discount varies, although it’s typically worth about 5%. A certified defensive driving course includes education on traffic laws, car maintenance, drugs and alcohol, defensive driving techniques, and environmental hazards.
ProgressiveProgressive offers 5% discounts to younger and older drivers who have completed an approved driver training course. If you are a new driver or experienced driver who has completed an approved driver training course, you could save up to 5% on car insurance.
- Learn about other Progressive discounts here.
State FarmState Farm offers driver safety course discounts in most states. Talk to a local State Farm agent for a list of qualifying courses and requirements. Approved courses, discounts, and other qualifying factors vary widely between states and drivers.
State Farm is also one of the few companies to offer its own driver training program. Drivers can complete 5 modules online, drive at least 5 hours using the State Farm app, take a minimum of 10 trips, and submit the data to State Farm, then qualify for insurance savings. State Farm will provide a discount based on your driving behavior and training.
- Learn about other State Farm discounts here.
The HanoverThe Hanover offers driver training discounts as part of its SafeTeen driving program. SafeTeen is a group of programs that educate new teen drivers and give parents peace of mind. It includes online education courses, app-based coaching, and more. Teens who follow this program (or take another approved defensive driving course) can save 10% to 15% on car insurance premiums.
The HartfordThe Hartford is particularly popular among older drivers due to the company’s partnership with the AARP. However, the company offers defensive driving discounts to young drivers on your policy (under 21 in most states) who have completed an approved driver training program.
TravelersDrivers under age 21 who complete an approved defensive driving course could qualify for discounts of up to 8% with Travelers. Travelers does not offer driver training course discounts to drivers over age 21.
- Learn about other Travelers discounts here.
USAAUSAA offers defensive-driving course discounts to drivers in most states. If you have completed an approved defensive driving course, then you should qualify for a USAA car insurance discount.
- Learn about other USAA discounts here.

Final Word – Defensive Driving Course Discounts

Defensive driving courses prepare you for the road. They also reduce insurance premiums. A defensive driving course makes you a statistically safer driver. Insurance companies reward you with discounts and lower premiums.

A driving training class also reduces your chances of an accident. A single at-fault accident can raise insurance premiums for 5 to 7 years.

By taking the right defensive driving course, you can save thousands of dollars on premiums over your life. Consider taking a defensive driving course and shopping for car insurance online today.

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