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Can drivers 55 and older get a car insurance discount in Oregon?

Oregon drivers 55 and older can get an insurance discount after a course on the state's approved list. The law requires it if you are the principal operator, no one under 25 drives the car regularly, and it is not classified as a business car. A course a court or agency orders as punishment for a moving violation does not count. The discount lasts three years, or two if you took it at 70 or older.

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The rule, fact by fact

Rule
ORS 742.490 through ORS 742.496Name these statutes when you ask your insurer about the discount.
Verified. www.oregon.gov (opens state website) · checked Nov 13, 2026
Who needs it
Persons 55 or older who finish a course on the state's approved listThe state's wording is that they may qualify, so confirm with your insurer.
Same source and date as above
How the car is used
No one under 25 regularly drives the car, and it is not classified as a business vehicleAsk your insurer how it classifies your car.
Verified. web.archive.org (opens state website) · checked Nov 13, 2026
Valid for
Three years after the course, or two if you took it at 70 or olderTo keep it, the insurer may require that you have no at-fault accident and are not convicted of, or plead guilty or no contest to, a moving violation.
Same source and date as above
Online accepted
Yes, AARP's approved Smart Driver course is onlineThat course is reached through AARP's website.
Same source and date as above

How to get it done

  1. Step 1. Check that you are the principal operator of the car and that you are 55 or older, and that no one under 25 regularly drives it.

  2. Step 2. Pick a course from the list of motor vehicle collision prevention courses the state approves. A course a court or other government entity orders as punishment for a moving traffic violation does not qualify.

  3. Step 3. Take the course online or in person. AARP's approved Smart Driver course is available online, and AARP teaches courses in the counties its district list names.

  4. Step 4. After the course, contact your insurance company for information about the discount.

Courses

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Before you pay

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

Questions

Is AAA's RoadWise Driver on the approved list?

Yes. The list includes AAA's approved online RoadWise Driver course, which you reach through AAA's website.

Is there a National Safety Council course on the list?

Yes. The list includes Coaching the Mature Driver, a National Safety Council course presented by the Oregon Driver Education Center, Inc.

Does the discount cover all my cars?

No. If you are the principal operator of two or more vehicles, it applies to only one.

What to do next

Ask your insurer before you pay. The courses are on the state's approved course list.

www.oregon.gov

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