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Does Kansas require a car insurance discount after a defensive driving course?

Kansas 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.

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The rule, fact by fact

Rule
Kansas statute 40-1112aCite section 40-1112a when you ask your insurer about the discount.
Verified. ksrevisor.gov (opens state website) · checked Nov 13, 2026
Who needs it
The principal operator of the covered vehicle who finishes an approved courseIt covers the liability, personal injury protection and collision parts of the policy.
Same source and date as above
Course hours
At least four hours, nationally recognized or agency-approved curriculumAsk the provider how many hours its course runs and which curriculum it uses.
Same source and date as above
Valid for
Effective for a three-year period after the courseThe insurer may ask for two things during those years.
Same source and date as above

How to get it done

  1. Step 1. Check who the principal operator of the covered vehicle is. That person has to be the one who takes the course.

  2. Step 2. Pick a course of at least four hours. It has to use a nationally recognized driver training curriculum or one a state or federal agency approves.

  3. Step 3. Take the course and finish it. We haven't confirmed whether Kansas lets you take it online, so ask the provider and your insurer.

  4. Step 4. Give your insurer the certificate the group offering the course issues. To keep the discount for three years, the insurer may require no at-fault accident and no more than one moving violation conviction.

Before you pay

Pay for a course only after you ask your insurer what it takes off. Ask for the exact figure in writing.

Questions

How much is the Kansas discount?

The law sets no figure. It says the rates filed with the insurance commissioner must include an appropriate reduction, and any reduction an insurer uses is presumed appropriate unless credible data shows otherwise.

Can I claim the Kansas discount twice?

No. Only one discount is allowed for the principal operator of a covered vehicle.

How often do I take the course again?

Every three years. Each principal operator has to finish an approved course that often to stay eligible for the discount.

What to do next

Ask your insurer before you pay. The full text is in the Kansas statute.

ksrevisor.gov

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