How to Get a Driver’s Ed Discount

Taking an approved driver’s ed course can help you qualify for a discount upon completion. Learn more about getting a driver's ed discount on insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 21, 2022

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Things to Remember

  • Insurance companies have different requirements for a driver’s ed discount 
  • Some driver’s ed discounts are solely for teenage drivers or senior citizens 
  • Drivers must complete the course and provide proof of completion

Not all car insurance companies offer a driver’s ed discount. If a company does, you need to ensure the driver’s ed class you took qualifies for a discount since insurance companies don’t accept some programs. Some car insurance companies with a driver’s ed discount on car insurance coverage offer savings of up to 10%.

Read on to learn more about getting a driver’s ed discount on insurance, as well as other discounts that can decrease insurance rates.

How to Get a Driver’s Ed Discount on Insurance

To get a discount for taking a driver’s ed course, check if your insurance company offers a discount. You also need to check the insurance company’s requirements for what counts as a suitable course and contact your insurance company with proof upon completion.

Ensure the Insurance Company Offers a Discount for Driver’s Ed  on Insurance

Not all insurance companies offer a driver’s ed discount. Check out the list of main insurance companies below to see which insurance companies offer discounts for customers who take driver’s ed courses.

Insurance Companies That Offer Driver's Ed Discounts

Company Requirements
Allstate Complete the teenSMART® driver education program.
American Family Successfully complete defensive driving course.
FarmersOffer senior driver's ed Discount. Must be at least 65 (55 years in some states). Driver's Education course must be approved by DMV.
GEICOSuccessfully complete approved course.
State Farm All drivers of vehicle under 21 have to complete qualifying course.
The Hanover Successfully complete the Hanover SafeTeen Program.
The Hartford Successfully complete driver training course or defensive driving course.
Travelers Successfully complete approved course.
USAASuccessfully complete approved course.
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Even if you don’t see your insurance company on the list, it may still have a program for safe drivers to earn a policy discount.

Complete Applicable Driver’s Ed Course 

Before signing up for a driver’s ed class, call your insurance company and check that it accepts the program you’re taking. Some insurance companies require the course to be hosted by either the insurance company or a DMV-approved course. 

Once you’ve double-checked that your course will count towards a discount, you need to complete it to receive the discount. Insurance companies won’t give discounts to drivers who didn’t complete a driver’s ed or defensive driving course.

Inform Insurance Company and Provide Copy of Certificate 

Once you’ve completed the driver’s ed course, contact your insurer to let them know and provide proof. Most insurance companies will want to see the certificate of completion.

If the insurance company is offering the course, then you likely don’t need to provide proof.

After informing your insurance company and showing them the certificate, you should get an applicable discount immediately applied to your policy.

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Other Discounts That Decrease Insurance Costs 

Since not every provider or state offers driver’s ed discounts, it’s important to not depend on a driver’s ed discount to reduce costs. There are plenty of other discounts that may be available at your insurance company and can help you obtain affordable car insurance, such as:

  • Autopay discounts. Some insurers offer a small discount if you sign up for autopay. 
  • Bundling discounts. You’ll earn a discount if you bundle multiple insurance policies, such as home and auto insurance.
  • Car safety discounts. The more safety features your car has and the better it performs in a crash, the lower your rate will be.
  • Early signing discounts. Some insurers will offer discounts for early signing.
  • Full payment discounts. Paying in full rather than on a payment plan often earns you a discount on a car insurance policy. 
  • Multi-car discounts. Insurers will offer a multi-car discount if you have more than one car.
  • Paperless discounts. Going paperless for bills and other documents can earn you a small discount. 
  • Safe driver program discounts. Signing up with an insurance company’s safe driving program or having a clean record can earn you a significant discount. You can also earn cash back for being a safe driver.

Taking advantage of discounts and shopping around at different insurance providers for insurance quotes can help you save on your car insurance policy. Even if your insurance company doesn’t offer a driver’s ed discount, taking a course can help you become a better driver, saving you money in the long run.

The Final Word on Driver’s Ed Discounts on Insurance

Before taking a driver’s ed course, it’s essential to check that your insurance company offers a discount and that it approves your chosen course. Then you must complete the course successfully and show your certificate to earn a driver’s ed discount on insurance.

Even if you don’t earn a driver’s ed discount, there are still plenty of ways to save. To find the best car insurance rates in your area, use our free quote comparison tool, or find cheap auto insurance rates online.

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