Completing a defensive driving course can help you save on car insurance if your insurance company offers a discount for defensive drivers. The actual amount of the discount. The actual amount of the discount will vary depending on your insurer, age, state and other factors. Taking a defensive driving class can earn you a 5% to 10% discount on car insurance.
In some cases, you can also take a defensive driving course to keep a ticket out of your record and prevent your rates from rising. Depending on where you live, taking a road safety course can help you get discounts on car insurance. Ask a local State Farm agent for a list of qualifying courses and requirements. Leslie Kasperowicz is an insurance expert with four years of direct experience in agencies and more than a decade creating educational content to help insurance buyers make informed and confident decisions.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. Most major auto insurance companies offer discounts to drivers who take a defensive driving course, except Progressive. Defensive driving is typically aimed at young and older drivers who may have higher car insurance premiums, but a defensive driving discount can be offered to people of all ages. In many states, discounts are mandatory, so auto insurance companies must offer insurance discounts to people who complete an in-person, state-approved driver training course.
Many insurance companies offer discounts on defensive driving courses, so check with your insurance company. In states where discounts on auto insurance premiums are not mandatory, several insurance companies offer voluntary premium discounts to participants who complete the AARP Smart Driver course. Taking a defensive driving course can earn you a discount on car insurance or help you avoid the surcharge of a fine. In addition, 23 states and the District of Columbia require auto insurance companies to offer insurance discounts to people who complete a state-approved driver improvement course that is taught online.
Additional savings are available if you have other State Farm insurance products, such as homeowners, renters, condo or life insurance, in addition to vehicle insurance.