What is the defensive driver discount?

You can save up to 15% on your car insurance with a defensive driver discount. The defensive driving course discount amount and requirements will vary by company. For example, some companies won’t offer a discount for a free defensive driving course online and will require an in-person class. In addition to lowering your car insurance rates, a defensive driver course gives drivers a refresher on the rules of the road and driver safety.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: May 28, 2021

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Things to Know

  • Many different companies offer a defensive driving course online or in-person
  • You can save up to 15% on your car insurance by taking a class
  • Most car insurance companies offer a defensive driver discount but have different requirements

Most car insurance companies offer a defensive driver discount if you take an approved course. Since this type of class makes you a safer driver, insurers are willing to offer you an incentive in the form of a discount.

The amount of the discount will vary by company so compare rates to find the most affordable car insurance with a defensive driver discount. Shop around to see who can give you the best deal.

Enter your ZIP code to compare car insurance quotes with a defensive driver discount from multiple companies today.

What is a defensive driver discount?

Although you will have to take a class, it’s pretty easy to find car insurance with a defensive driver discount.

Not only will the class help you get a car insurance discount, but it will also make you a safer driver. A defensive driving course acts as a refresher on rules of the road and driver safety.

According to the Insurance Information Institute, in 2020 alone 42,060 people were killed in car accidents. A class that gives you tips on driving safely and reduces your costs is a win-win.

A defensive driving course can be done in person or online and will usually be between 4-12 hours. Not all classes are the same, however.

Keep in mind that not all insurance companies will accept each type of class. For example, a free defensive driving course online might make you a better driver, but you might not get a discount. Car insurance companies will have a certain type of class they require you to attend to get your discount.

After you take the course, you will send your paperwork to your car insurance company. In most cases, you will receive a discount for three years.

There are other reasons you might take a defensive driving class. For example, you might be ordered to take a class if you’ve been charged with a major traffic violation or reckless driving. In some states, a defensive driving class will also remove points from your license.

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What car insurance companies offer a defensive driving discount?

Although most car insurance companies offer a defensive driving discount, they will have different requirements. Some companies only offer the discount if you are over age 60 or are a young driver. You may also have to show a clean driving record for a certain amount of time in order to receive the discount.

This table lists the car insurance companies with a defensive driving discount. The amount of the discount is listed if it is known.

Defensive Driver Car Insurance Discount Available By Company
CompanyDefensive Driver Discount Available
21st CenturyX
AAAX
AllstateX
American FamilyX
Ameriprise (Connect)X
AmicaX
Country FinancialX
EsuranceX
FarmersX
GEICOX
Liberty MutualX
MetLife7%
NationwideX
ProgressiveX
Safe AutoX
SafecoX
State Farm10-15%
The GeneralX
The HanoverX
The HartfordX
TravelersX
USAAX
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Each car insurance company will have different requirements and offer a different discount. For example, the defensive driving discount from GEICO is different than the discount offered by Nationwide.

How much does defensive driving lower insurance from GEICO? It depends on your state but could be up to 10%.

A defensive driver discount is just one of many car insurance discounts for which you might be eligible. Most companies allow you to combine multiple discounts for even greater savings. Check with your company to see if you are eligible for car insurance discounts.

Defensive Driver Discount: The Bottom Line

Most car insurance companies offer a defensive driver discount, but you might only be eligible if you are a certain age or have a clean driving record for a period of time.

Shop around before you buy car insurance with a defensive driver discount. Comparing different companies will help you find the best discount and the cheapest rates.

Enter your ZIP code now to compare car insurance rates with a defensive driver discount from multiple companies near you for free.

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