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

Pennsylvania law requires a minimum discount when every named insured on a car policy is 55 or older and finished a driver improvement course meeting Department of Transportation standards. An insurer may omit it if it shows the commissioner in its rate filing that it already gives its own course discount. A course a court or agency specifies for a points-schedule conviction does not count.

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The rule, fact by fact

Rule
Section 1799.2, Driver improvement course discountsCite section 1799.2 when you ask your insurer about the discount.
Verified. www.palegis.us (opens state website) · checked Nov 13, 2026
Who needs it
Every named insured on the policy is 55 or older and finished the courseThe discount applies to each motor vehicle on that policy.
Same source and date as above
Valid for
Policy periods that begin within three years after the courseAsk your insurer which renewal dates fall inside that window.
Same source and date as above
Agency
The course must meet the standards of the Department of TransportationAsk the provider to confirm that its course meets those standards before you pay.
Same source and date as above

How to get it done

  1. Step 1. Check your policy. Every named insured on it has to be 55 or older. The discount is at least 5%. An insurer may leave it out if it shows the commissioner in its rate filing that it already gives its own course discount.

  2. Step 2. Pick a course that meets the standards of the Department of Transportation. Ask the provider to confirm that it does. A course a court or other agency specifies for a points-schedule conviction does not count.

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

  4. Step 4. Keep the certificate the course's sponsoring agency issues, and give it to your insurer. For three years after the course, the insurer may require that you not be chargeable for an accident, not be convicted of an offense on the state's points schedule, and not be convicted of, or accept Accelerated Rehabilitative Disposition for, driving under the influence of alcohol or a controlled substance.

Courses

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Before you pay

Pay for a course only after you ask your insurer what it takes off. The law sets a minimum, so get the exact discount in writing.

Questions

Does a second course earn a bigger discount?

No. Finishing more than one course within a three-year period does not qualify you for additional discounts.

How often do I take the course again?

Every three years. The law says each participant has to take an approved course that often to stay eligible for the discount.

Does the discount cover every coverage on my policy?

Yes. The law says it applies to all coverages, for the policy periods that begin within the three years after you finish the course.

What to do next

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

www.palegis.us

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