Skip to content
State Cert Guide

Independent guide, not a government agency. We earn commissions on some links.

Insurance discount course requirements by state

Pick your state. You get what the page shows for this credential and the date we read it.

State Cert Guide

Last checked Nov 13, 2026

How we check

Verified states

Verified so far: 20 of 51 states

Insurance discount course: rules by state
StateWhat the state saysLast checked
CaliforniaIf you are 55 or older, an approved mature driver course can cut your car insurance cost in California. Most insurers lower your rate for up to 3 years. Ask your insurer first.
ConnecticutConnecticut law requires a car insurance discount when the principal operator of a private car that is not in a fleet is 60 or older and finishes a course the Department of Motor Vehicles approves, unless the policy is a group policy whose premiums are averaged across the group. The discount is at least 5 percent for at least 24 months. Some insurers give more than 5 percent, so ask yours first.
DelawareDelaware law tells the Commissioner to require a reduction in rates for a 3-year period. That covers any person who voluntarily attends and finishes a motor vehicle accident prevention course the Division of Motor Vehicles approves. A course a court orders, or the Division requires for violations of Title 21, is not voluntary. The text we read gives no percentage.
FloridaFlorida law requires a car insurance discount for a main driver who is 55 or older and chooses to finish an approved safety course. It lasts 3 years. A course a court or agency orders as a penalty for a moving violation does not count. The course gives you a certificate to claim it.
GeorgiaGeorgia's Department of Driver Services lists insurance premium reduction among the reasons to take the 6 hour Driver Improvement course. It tells you to ask your insurer whether you qualify.
IllinoisIllinois drivers over 55 may get a car insurance discount. They must pass an approved defensive driving course. The amount may vary by company. Ask your insurer first.
KansasKansas law says rate filings must include an appropriate discount for three years after the principal operator of a covered vehicle finishes an approved accident avoidance course. The course has to be at least four hours long. A course set by an administrative order of the director of vehicles, or by a court order after a moving traffic violation, does not count.
KentuckyThe Kentucky Department of Insurance says auto liability and physical damage rating plans must give an appropriate premium reduction for at least 3 years and up to 5 years. It goes to insureds 55 and older who completed an approved accident prevention course within 5 years. The Transportation Cabinet lists the courses it has approved. Ask your insurer how much it takes off.
MaineMaine law says rate filings must include an appropriate discount for a principal operator who is an insured 55 or older and finishes an approved accident prevention course. It runs for 3 years after the course. A course a court or other agency requires you to take for a moving violation does not count.
MinnesotaMinnesota law says an insurer must give insureds 55 and older who finish an accident prevention course or refresher course set up under this law a discount of at least ten percent on private passenger vehicle policies. The accident prevention course is four hours in total. The law only says the cut must be “appropriate” and at least ten percent, so ask your insurer for its exact figure.
MississippiMississippi drivers 55 and older can get a car insurance discount after a course the Department of Public Safety approves. The law requires it on liability, injury protection and collision coverage when you are the insured principal operator of the car. A course ordered by a court or agency as punishment for a moving violation does not count. The discount lasts three years.
MontanaMontana drivers 55 and older can get a car insurance discount after a highway traffic safety program. The law requires it on liability, bodily injury and collision coverage for an insured operator of the car. A course ordered by a court or agency as punishment for a moving violation does not count. The discount lasts 3 years.
New JerseyYes, for a course the Motor Vehicle Commission approves: New Jersey law requires insurers to offer discounts to drivers who finish one. The Commission says you may also qualify for an insurance rate reduction and sends you to your insurance agent for details. Ask your agent how much it takes off.
New YorkNew York law makes insurers lower your rate for three years after a qualifying defensive driving course. The course must be the National Safety Council's or one the Department of Motor Vehicles approves as equivalent. Until April 1, 2028, self-study does not count, except under article twelve-C of the vehicle and traffic law. Ask your insurer how much it takes off.
OklahomaIf you are a driver listed on an Oklahoma auto policy, you can get a three-year discount after an accident prevention course your insurance company approves. The Oklahoma Insurance Department says that discount is mandatory. It does not apply to a course taken for a court order tied to a motor vehicle violation or an alcohol or drug offense.
OregonOregon drivers 55 and older can get an insurance discount after a course on the state's approved list. The law requires it if you are the principal operator, no one under 25 drives the car regularly, and it is not classified as a business car. A course a court or agency orders as punishment for a moving violation does not count. The discount lasts three years, or two if you took it at 70 or older.
PennsylvaniaPennsylvania law requires a minimum discount when every named insured on a car policy is 55 or older and finished a driver improvement course meeting Department of Transportation standards. An insurer may omit it if it shows the commissioner in its rate filing that it already gives its own course discount. A course a court or agency specifies for a points-schedule conviction does not count.
South CarolinaSouth Carolina drivers who are not youthful operators can get a credit on liability and collision premiums after an approved driver training course. You must be the named insured or principal operator, and the credit covers only the car you drive. The course needs at least four classroom hours and must be voluntary, not for a driving offense or to cut points.
TexasTexas has no law that makes an insurer give you a discount. The Texas Department of Insurance says so. A defensive driving class is on its list of discounts to ask about. Ask your insurer what you need before you pay for a course.
WashingtonWashington drivers 55 and older can get a lower rate after a course that meets Department of Licensing criteria and runs at least eight hours. The law requires it on personal auto liability and physical damage coverage, but not underinsured motorist coverage. It lasts two years after the course.

Coverage by state

  • Verified, opens its page
  • No page yet

States without a page yet

We don't have a page for these states yet:

Alabama, Alaska, Arizona, Arkansas, Colorado, District of Columbia, Hawaii, Idaho, Indiana, Iowa, Louisiana, Maryland, Massachusetts, Michigan, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Rhode Island, South Dakota, Tennessee, Utah, Vermont, Virginia, West Virginia, Wisconsin, Wyoming

Want a page for your state sooner? Email corrections@statecertguide.com and tell us which one.