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Does Ohio require an auto insurance discount for drivers 60 and older?

Ohio law says every auto rating plan filed with the superintendent of insurance must give an appropriate discount to an insured who is 60 or older and passes an approved accident prevention course. The insurer may weigh your driving record when it decides. It does not cover assigned risk plan policies or a course a court required as part of a community control sanction for a moving violation.

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The rule, fact by fact

Rule
Ohio Revised Code 3937.43Name this statute when you ask your insurer about the discount.
Verified. Ohio Revised Code · Section 3937.43 (opens state website) · checked Nov 13, 2026
Who needs it
The applicant or insured is sixty years of age or olderCheck your age before you pay for a course.
Same source and date as above
Agency
The department of public safety approves the course and the examinationTake only a course it has approved.
Same source and date as above
Valid for
Effective for a three-year period after each successful completion of a coursePut the end of the period on your calendar.
Same source and date as above

How to get it done

  1. Step 1. Check that you are sixty or older. The statute sets that age.

  2. Step 2. Pick an approved course. Ask your insurer first whether it takes that course's certificate.

  3. Step 3. Take the course and pass the exam. The exam includes an actual demonstration that you can exercise ordinary and reasonable control of a motor vehicle.

  4. Step 4. Get the certificate from the course sponsor and send it to your insurer. The discount does not start until the first full term of coverage after you finish.

Before you pay

Call your insurer before you pay a sponsor. Ask whether it takes that sponsor's certificate and how much it takes off.

Questions

Does a correspondence course count in Ohio?

No. The statute says the department of public safety shall not approve any correspondence course or any other course that does not provide classroom instruction. We haven't confirmed how a particular online course is treated, so ask your insurer.

Can my insurer take the discount away?

It may require that, during the three-year period, you neither be involved in an accident for which you are primarily at fault, nor be convicted of more than one moving violation.

How far back can my insurer look at my driving record?

Three years. When it decides whether to grant the discount, the statute lets the insurer consider your driving record for the three years before you successfully complete the course.

What to do next

Ask your insurer before you pay. The statute is short: read Ohio Revised Code 3937.43.

codes.ohio.gov

Sources we read