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Do Oklahoma insurers have to give a discount after an accident prevention course?
If you are a driver listed on an Oklahoma auto policy, you can get a three-year discount after an accident prevention course your insurance company approves. The Oklahoma Insurance Department says that discount is mandatory. It does not apply to a course taken for a court order tied to a motor vehicle violation or an alcohol or drug offense.
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The rule, fact by fact
- Valid for
- Three-year discount for a course your insurer approvesAsk your insurer which courses it approves.
- Verified. www.oid.ok.gov (opens state website) · checked Nov 13, 2026
- Who needs it
- Not for a course taken under a court order for a motor vehicle or alcohol or drug offenseAsk your insurer before you pay if a court sent you to the course.
- Same source and date as above
- Rule
- Oklahoma Statutes Title 36, section 924.1Name this statute when you ask your insurer about the discount.
- Verified. www.oid.ok.gov (opens state website) · checked Nov 13, 2026
How to get it done
Step 1. Check why you are taking the course. A course taken for a court order tied to a motor vehicle violation or an alcohol or drug offense does not qualify.
Step 2. Ask your insurer which accident prevention courses it approves. The discount depends on your own company's approval.
Step 3. Take the course yourself if you are a driver listed on the policy. If someone not listed on the policy finishes a course, the insurer does not have to give a discount.
Step 4. Keep the certificate the course gives you. The Insurance Department's bulletin says the statute makes that certificate the basis of qualification for the discount.
Before you pay
Call your insurer before you pay for a course. Ask which courses it approves and how much it takes off.
Questions
Does the discount go to the car or to me?
To you. The Insurance Department says the discount applies per insured person, not per vehicle.
How big is the discount?
The Insurance Department says the statute sets no percentage, so insurers may use any amount they believe is appropriate. A bulletin dated April 9, 2004 put the usual discount at 5% to 10%.
How do I check that my discount was applied?
Look at the declarations or information page of your policy. The Insurance Department says discounts may be listed at the bottom of the page, and the company may have included them in the premium shown.
What to do next
Ask your insurer before you pay. The Oklahoma Insurance Department explains the discount on its auto insurance page.