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Does Florida require an insurance discount for a mature driver course?

Florida 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.

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The rule, fact by fact

Rule
Florida Statutes section 627.0652That law covers discounts for certain people who complete a safety course.
Verified. Florida Statutes · Section 627.0652, insurance discounts for safety course (opens state website) · checked Nov 13, 2026
Who needs it
Principal operator who is an insured 55 or older and finished a DHSMV-approved courseThe discount is for the main driver of the covered vehicle, when that insured is 55 or older.
Same source and date as above
Valid for
Effective for 3 years after the courseWrite down the day you successfully finish the course. The 3 years count from it, and your insurer can set conditions for keeping the discount.
Same source and date as above
Course hours
DHSMV sets the minimum hoursAn approved course must also give each person a written test on its content.
Same source and date as above

How to get it done

  1. Step 1. Check the policy. The law covers a main driver who is an insured 55 or older and finishes a course the Department of Highway Safety and Motor Vehicles has approved.

  2. Step 2. Pick an approved course. The department sets the minimum hours, so ask the provider how long it is.

  3. Step 3. Pass the written test the course gives. The law says an approved course requires it.

  4. Step 4. Give the certificate from the course to your insurer.

Before you pay

The law skips a course taken as a penalty that a court or agency ordered for a moving violation. Check why you are taking yours before you pay.

Questions

Who sets the discount amount in Florida?

The insurer. The law asks for an appropriate cut on liability, PIP and collision coverage. It presumes any discount an insurer uses is appropriate unless credible data shows otherwise.

How does Florida decide which courses are approved?

The Department of Highway Safety and Motor Vehicles approves them. It must consider the staff's competency and how well the course can prevent accidents by drivers 55 and older. It must also consider whether the fee is reasonable.

How can I lose the Florida discount?

The insurer may require that you have no accident you caused and no moving violation conviction, guilty plea or no contest plea.

What to do next

Ask your insurer before you pay. The full text is in the Florida law.

www.flsenate.gov

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