GEICO Defensive Driving Course: Everything You Need To Know

Most drivers could earn auto insurance discounts using a GEICO defensive driving course. The GEICO defensive driving course is 100% online and can be done at your own pace. To get the best rate, you should combine your GEICO defensive driving course discount with other discounts. Most auto insurance companies will accept the GEICO defensive driving course and provide auto insurance discounts of up to 10%.

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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 Daniel Walker

UPDATED: Jan 25, 2022

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Things to Remember

  • The GEICO defensive driving course can be done from home and at your own pace
  • GEICO’s defensive driving course could earn you an auto insurance discount of up to 10%
  • If you’re looking for a senior defensive driving course, you may need to choose another company like AAA

If you’re looking for low-cost full coverage auto insurance, you might want to consider a GEICO defensive driving course. Defensive driving courses can be one of the most effective means of saving money on car insurance.

Keep in mind that not all defensive driving courses are legitimate and some won’t qualify you for a discount. We’ll break down where to take a defensive driving course, how to get a defensive driving course discount, and more.

Ready to learn more about a possible GEICO defensive driving course? Keep scrolling to learn more or enter your ZIP code above to get free quotes from various auto insurance providers to see if you can save today.

How do I take a GEICO defensive driving course?

To get enrolled in a GEICO defensive driving course, you can simply visit the company’s website to register for its 100% online defensive driving course. The GEICO-specific defensive driving course isn’t free, but it is rather affordable.

How much does the GEICO defensive driving course cost? For roughly $35, you can register for the GEICO defensive driving course. This course can be done entirely online and at your own pace, so you don’t have to finish the entire course in one session.

Unfortunately, you may not be able to find a promo code for a GEICO defensive driving course, however, the company does sometimes offer discounted rates. For example, the course is only $12.50 today.

According to GEICO’s website, completion of the course will make drivers eligible for an auto insurance discount for up to three years. Since the GEICO defensive driving course is conducted by the American Safety Council, participants should be able to use this course for discounts with most auto insurance companies.

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How much is a GEICO defensive driving course discount?

Defensive driving courses typically offer a notable discount which is often the main appeal of taking the course. In some cases, a defensive driving course may also reduce the number of points on your license.

Defensive driving discounts tend to vary greatly from company to company. Additionally, not every policyholder will receive the same discount in all cases, despite taking the same defensive driving course.

Most major auto insurance companies do offer defensive driving discounts, including the top 10 companies, listed below.

  • Allstate
  • American Family
  • Farmers
  • GEICO
  • Liberty Mutual
  • Nationwide
  • Progressive
  • State Farm
  • Travelers
  • USAA

Again, the discount you will be eligible for will vary depending on a variety of other factors, such as your age, driving history, and other discounts you are using. Below, you’ll see how much of a discount you could earn from a GEICO defensive driving course.

Comparison of Defensive Driving Discounts
CompanyPercent Discount
Allstate10
American Family10
FarmersN/A
GEICO10
Liberty Mutual10
Nationwide5
Progressive10
State Farm5
Travelers10
USAA3
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Many auto insurance companies offer up to 10% off of auto insurance for those who have successfully completed a defensive driving course. Keep in mind that this is the maximum discount and you may or may not receive the entire thing.

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If the lowest price on auto insurance is your primary focus, you should get quotes from an assortment of auto insurance companies with all eligible discounts once you have completed the course. This is the best way to truly get the best rates.

Does GEICO offer a free defensive driving course?

Unfortunately, GEICO does not offer a free defensive driving course. As mentioned, the company’s defensive driving course fees are reasonable, however.

Should you take a free defensive driving course from another company? In most cases, free defensive driving courses won’t offer you much benefit. This isn’t always the case, but most reputable defensive driving courses will cost something, usually no more than $40.

You want to be sure that the course is accredited so that your insurance provider, whether GEICO or not, will actually accept the course and provide you with some sort of discount. If you don’t want to take GEICO’s online defensive driving course, there are other options.

You can typically find participating defensive driving courses on your state’s DMV website. In Florida, there are a few different options that each cost roughly the same amount. Each of the courses is a minimum of four hours per state guidelines.

It’s almost always preferable to work with a reputable company or agency when completing a defensive driving course since you may be providing the company with sensitive information such as your driver’s license number, payment information, and so on.

Is there a GEICO defensive driving course for seniors?

Seniors can still take advantage of GEICO’s online defensive driving course to receive a defensive driving discount. That said, this is the same online course that all other drivers can take.

For seniors, there may be some concerns about using a computer to take the defensive driving course. If this is the case, there should be in-person defensive driving courses available in most places. Again, your local DMV could be a good start when searching for nearby defensive driving courses.

Otherwise, AAA actually does offer in-person defensive driving courses designed specifically for seniors. If you are a senior and you believe you need specific instructions based on your age, you can call 866-659-1317 to learn more about AAA’s senior defensive driving courses.

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More About GEICO Defensive Driving Courses

GEICO is a popular auto insurance company that conveniently provides policyholders with an opportunity to take a defensive driving course from home. If you’re a GEICO customer, you should consider incorporating the company’s other discounts if you haven’t already.

Type of DiscountPotential Percentage of DiscountsCategory
Air Bag25% (driver side), 40% (full-front seat)Vehicle Equipment
Anti-Lock Brakes5%Vehicle Equipment
Anti-Theft System25%Vehicle Equipment
Daytime Running Lights1%Vehicle Equipment
Good Driver26% (five years accident-free)Driving History & Habits
Seat Belt Use15% (medical or PIP portion)Driving History & Habits
Good Student15%Driver's Education
Emergency Deployment25%Driver Affiliation
Federal Employee (Eagle)8%Driver Affiliation
Military15%Driver Affiliation
Multi-Vehicle25%Customer Loyalty
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GEICO offers an assortment of discounts, as noted in our GEICO auto insurance review. If you plan to take the GEICO defensive driving course to earn a discount, be sure you keep up with your completion date as you will need to recertify every three years to maintain your discount. You should be able to use your GEICO defensive driving course login for this.

Otherwise, practicing safe driving with your defensive driving skills could earn you further discounts in the future. It’s almost always a good idea to take a defensive driving course.

GEICO Defensive Driving Course: The Bottom Line

GEICO’s online defensive driving course is a useful tool that can earn drivers a significant auto insurance discount by spending a few hours on the computer at home. GEICO defensive driving courses should help drivers become eligible for defensive driving discounts with any participating auto insurance company.

By now, you should know whether or not you should take a GEICO defensive driving course. Before you go, get quotes from the top auto insurance companies near you by entering your ZIP code below.

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