How to Get a Defensive Driver Discount

Defensive driver discounts are usually only offered to people 25 or younger or 60 and older. You can typically expect to save between 5% and 10% on your rate with a defensive driver discount. You can find a free defensive driving course online, but you may not qualify for the discount if it isn't provider-approved.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 28, 2021

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Things to Remember

  • Defensive driver discounts are usually for new and elderly drivers.
  • You can take defensive driving courses online or in person.
  • You can expect to save between 5% and 10% on your rates with a defensive driver auto insurance discount.

If you’re looking for cheap auto insurance rates and have recently taken a defensive driving course, you may be wondering if auto insurance providers offer a defensive driver discount.

Fortunately, most auto insurance companies are now offering discounts to people who complete defensive driving courses. While the savings may be small, a defensive driver auto insurance discount can help make your rates more affordable.

Keep reading to learn how to get a defensive driver discount, where you can find a defensive driving course, and how much you can save. Before we get started, enter your ZIP code into our free comparison tool above to find affordable defensive driver auto insurance near you.

How do I get a defensive driver auto insurance discount?

Defensive driving discounts are usually offered to drivers below the age of 25 or above the age of 60, but eligibility requirements will vary from state to state and from company to company.

For example, the defensive driving discount GEICO offers to Tennessee residents is only available to those 50 or older. In addition, you cannot have been involved in an at-fault accident or traffic violation, among other qualifications, to be eligible.

Check with your auto insurance provider to see what the eligibility requirements are for a defensive driver discount in your state. If your provider doesn’t offer the discount, compare defensive driver auto insurance quotes from other companies to find one that does.

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Where can I take a defensive driving course?

If you find that you’re eligible for defensive driver discount rates from your auto insurance provider, you can usually find a free defensive driving course online that will satisfy discount eligibility requirements.

However, not every insurance provider will accept every defensive driving course. In most cases, your provider will only accept certain defensive driving courses, such as those offered by the National Safety Council. These can cost between $15-$20 to complete.

If you don’t want to take a defensive driving course online, you can always opt to take one in person. Many schools, universities, and even police departments offer defensive driving courses you can take in person.

Always check with your provider to make sure the defensive driving course you’re taking will qualify for the discount. If you’re not happy with the discount offered, you can always compare defensive driver auto insurance rates from other companies to find a better deal.

How much can I save with a defensive driver discount?

You can typically save between 5%-10% on your auto insurance by completing a provider-approved defensive driving course. However, the size of the discount varies among the best auto insurance companies.

For example, if you’re wondering, “how much does GEICO defensive driving lower insurance?” the answer is up to 10%. In some states, you can only save 5%, and some states don’t offer this discount at all.

As always, it’s important to compare defensive driver auto insurance companies before selecting a plan. Some companies may offer bigger discounts but higher rates overall. Some companies may require defensive driving courses that are too expensive.

Now that you know all about defensive driver auto insurance discounts, start shopping today. Enter your ZIP code into our free comparison tool below to buy defensive driver auto insurance from providers in your area.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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