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Does Idaho require an auto insurance discount for drivers 55 and older?

Idaho law says an insurer must give an appropriate auto discount when the principal operator is 55 or older and completes an accident prevention course that meets the transportation department's criteria. A course a court or other government body specified because of a moving traffic violation does not count. Ask your insurer how much it takes off.

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The rule, fact by fact

Rule
Idaho Code 41-2515, Discount for certain age groupsName this statute when you ask your insurer about the discount.
Verified. Idaho Code · Section 41-2515 (opens state website) · checked Nov 13, 2026
Who needs it
The insured must be a principal operator who is 55 or olderCheck who drives the car most before you pay for a course.
Same source and date as above
Agency
Course must meet the transportation department's criteriaAsk the course provider whether it meets them.
Same source and date as above
Coverages
Liability, medical payments and collision coveragesLook for these lines on your policy.
Same source and date as above

How to get it done

  1. Step 1. Check that the principal operator of the insured car is 55 or older.

  2. Step 2. Pick a course that meets the transportation department's criteria. Ask your insurer first whether it takes that course.

  3. Step 3. Take the course only after your insurer confirms it and tells you the amount.

  4. Step 4. Keep the certificate of completion that the course's sponsoring entity issues to you. The statute makes it the basis for qualifying for the discount. Show it to your insurer, then ask which coverages get the discount and when it starts.

Before you pay

Pay for a course only after your insurer says what it takes off. Get the exact amount in writing.

Questions

Can an insurer skip this discount?

Yes, if it offers a premium reduction that is substantially comparable. It never has to give both.

How long does the discount last?

Three years after you finish the approved course. The insurer may require that, during those three years, you are not involved in an accident you are at fault for and are not found guilty of a moving traffic violation.

Do I have to take the course again?

Yes, to keep the discount. The statute says each participant shall take an approved course every three years to continue to be eligible for it.

How much does the insurer have to take off?

The statute says it must be appropriate. Any discount an insurer uses is presumed appropriate unless credible evidence data demonstrates otherwise.

What to do next

Ask your insurer before you pay. The statute is short: read Idaho Code 41-2515.

legislature.idaho.gov

Sources we read