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Does Connecticut give a car insurance discount for a mature driver course?

Connecticut 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.

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The rule, fact by fact

Who needs it
Principal operator age 60 or older with a DMV-approved accident prevention courseFind out who the principal operator of your car is.
Verified. portal.ct.gov (opens state website) · checked Nov 13, 2026
Valid for
Minimum discount of 5 percent for at least 24 monthsAsk your insurer for its exact figure.
Same source and date as above
Course hours
A course of at least four hours that the Commissioner of Motor Vehicles approvesAsk the provider how long its course runs.
Verified. www.cga.ct.gov (opens state website) · checked Nov 13, 2026
Rule
Connecticut General Statutes section 38a-683Name this section when you call your insurer.
Same source and date as above
Agency
Commissioner of Motor Vehicles adopts the rules, including school and instructor approvalUse a provider from the Department of Motor Vehicles list.
Same source and date as above

How to get it done

  1. Step 1. Check that the principal operator of the car is 60 or older. Check too that the car is private and not part of a fleet, and that your policy is not a group policy whose premiums are averaged across the group.

  2. Step 2. Pick a provider from the list on the Department of Motor Vehicles page. Ask your insurer first whether it will take that provider's certificate.

  3. Step 3. Take a course of at least four hours that the Commissioner of Motor Vehicles approves.

  4. Step 4. When you pass, you are issued a certificate. Send it to your insurer as proof that you completed the course.

Before you pay

Call your insurer before you pay for a course. Ask whether it gives more than the 5 percent minimum and when the discount starts.

Questions

Can my driving record stop the discount?

Not if you meet the requirements. The Department of Motor Vehicles says that by law you cannot be denied the minimum discount regardless of your driving history.

What if I am younger than 60?

The law does not require the discount, says the Department of Motor Vehicles. Some insurers may still give one voluntarily when you send proof that you finished the course.

When does the discount start if I send proof during my policy term?

At your next renewal. The law says that when you submit proof during a policy term, any premium change takes effect upon the next renewal.

How soon before the discount must I finish the course?

Within one year before the discount starts. For a later round, the law says to finish within one year of the end of your current discount period.

Can I take the Connecticut course online?

The law covers courses taken on the Internet and has the commissioner approve them. Its rules for them must include, among other things, ways to verify your identity when you register and throughout the course.

What to do next

Ask your insurer before you pay. The Department of Motor Vehicles explains the discount on its insurance discounts page.

portal.ct.gov

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