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

The 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.

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The rule, fact by fact

Who needs it
Age 55 or older with an approved accident prevention course taken within 5 yearsCheck your age and the date you finished the course.
Verified. insurance.ky.gov (opens state website) · checked Nov 13, 2026
Valid for
Rate plans must give an appropriate reduction for at least 3 years and up to 5 yearsAsk your insurer when your discount ends.
Same source and date as above
Rule
Kentucky Revised Statutes 304.13-063Name this statute when you ask your insurer about the discount.
Same source and date as above
Agency
The Transportation Cabinet reviewed each listed provider's applicationTake a course from the Cabinet's approved list.
Verified. drive.ky.gov (opens state website) · checked Nov 13, 2026
Cost
A nominal fee applies; you get a certificate when you finishAsk the provider for the exact fee before you sign up.
Same source and date as above

How to get it done

  1. Step 1. Check that you are 55 or older. The Department of Insurance guide says the course must be one you completed within 5 years.

  2. Step 2. Pick a course from the Cabinet's approved list, which names AARP, Kentucky Safe Driver and Rightlane. Ask your insurer first whether it will take that course's certificate.

  3. Step 3. Take the course. It covers, among other topics, safe driving strategies, vehicle safety features and how medications can affect driving.

  4. Step 4. Pay the nominal fee and keep your certificate. The Cabinet tells drivers over 55 to consult their insurer to verify eligibility for discounts.

Before you pay

Call your insurer before you pay for a course. Ask which courses it takes and how much it takes off.

Questions

Does the state recommend one course?

No. The Transportation Cabinet says it does not endorse any specific course provider. It adds that the providers are independent organizations, not affiliated with the Cabinet.

How long is a Kentucky course approval good for?

The Cabinet says course approval is valid for not more than two years. Check that your provider's approval is current before you enroll.

Is there a Kentucky discount for service members?

Yes. The Department of Insurance guide says rating plans must also give the reduction to insureds of any age who are members of the US Armed Forces and complete a defensive driving course the Armed Forces provide.

What to do next

Ask your insurer before you pay. The Transportation Cabinet keeps the approved list on its Over 55 Driver Improvement Courses page.

drive.ky.gov

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