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Does Minnesota require a car insurance discount for drivers 55 and older?

Minnesota law says an insurer must give insureds 55 and older who finish an accident prevention course or refresher course set up under this law a discount of at least ten percent on private passenger vehicle policies. The accident prevention course is four hours in total. The law only says the cut must be “appropriate” and at least ten percent, so ask your insurer for its exact figure.

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The rule, fact by fact

Rule
Minnesota Statutes section 65B.28Cite section 65B.28 when you ask your insurer about the discount.
Verified. Minnesota Statutes · Section 65B.28 (opens state website) · checked Nov 13, 2026
Who needs it
At least ten percent for insureds 55 and older who pass the courseThe course can be the original or a refresher.
Same source and date as above
Course hours
The course is four hours in totalAsk the provider to confirm its course runs the full four hours.
Same source and date as above
Agency
The commissioner of public safety must adopt the course rulesThe law says those rules are for a course for persons 55 years old and older.
Same source and date as above

How to get it done

  1. Step 1. Check your policy. The discount is for insureds 55 and older on a private passenger vehicle policy.

  2. Step 2. Pick a course that follows the rules the law tells the commissioner of public safety to adopt. Ask the provider to confirm that it does.

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

  4. Step 4. Get your certificate and give it to your insurer. The law says the state's rules must provide for a completion certificate and require that it be given to you as evidence that you finished.

Before you pay

Pay for a course only after you ask your insurer what it takes off. The law sets at least ten percent, so ask for the exact figure in writing.

Questions

How often do I take the course again in Minnesota?

Every three years. You may retake the original course or take the refresher course, and you get a new certificate to stay eligible for the discount.

What if more than three years have passed?

If you are 58 or older, the law entitles you to get your eligibility back when you finish a retake of the original course or a refresher course more than three years after the date you last were eligible.

Who sets up the refresher course?

The Department of Public Safety may set one up for people who finished the original course. The law says it runs no more than four hours.

What to do next

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

www.revisor.mn.gov

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