Will attending driving school lower my car insurance rates?

Attending driving school can lower your car insurance rates, but not all car insurance companies offer discounts for defensive driving courses. Some auto insurance companies only offer discounts to individuals who attend driving schools on an approved list, while other auto insurance companies only acknowledge driving schools on a state-sponsored list. An easier way to lower your auto insurance rates is to comparison shop online. Start now with our free comparison tool below.

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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: Dec 2, 2020

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A common belief is that by attending driving school you will automatically lower your car insurance rates however not all car insurance companies offer discounts for attending driving school.

Car insurance discounts for driving school heavily depend on the car insurance company you choose and the state you live in. Some car insurance companies only offer discounts to individuals who attend driving schools on an approved list and while other auto insurance companies only acknowledge driving schools on a state sponsored list. Cheaper car insurance rates for simply attending driving school is never a guaranteed thing so before enrolling always double check with your current (or potential) car insurance company about how you can qualify for a driving school discount.

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How much money can I save by attending driving school?

If you qualify for a driving school discount the savings can equal anywhere up to 5% of your policy premiums depending on the particular provider. However it’s important to note for young drivers that the education learned from a defensive driving course far outweigh any monetary savings and everyone should participate in some kind of driver’s education course.

However if you are considering attending driving school solely based on cost benefit then make sure to check about the potential savings on car insurance and weigh the cost of driving school vs. the amount of savings. Sometimes driving school can cost you more money and not end up saving in the short term.

What driving schools offer car insurance discounts?

The list of approved driving schools which assist with cheaper car insurance varies by state and by car insurance company. There is no master list of driving schools who automatically provide car insurance discounts so the best thing to do is check with the auto insurance companies direct and compile a list of schools who are on the qualifying list for cheaper car insurance rates.

Even after completing a defensive driving course you still may not get a discount if you ultimately choose another provider, switch car insurance companies or the school has been removed from the qualifying list. For most drivers however car insurance discounts should be an afterthought as attending a driving school can have many future benefits.

Can I combine my driving school discount with other car insurance discounts?

Most car insurance companies offer a number of discounts which can all be collectively added to a policy.  Driving school discounts do not exclude you from qualifying for other discounts but remember that discounts vary between providers. Before shopping for auto insurance its important to become familiar with car insurance and the many number of discounts available. The goal is to find the best provider with the most affordable premiums for the coverage you need and sometimes all it takes is one discount to make the difference.

What if I opt for driving school when I get a speeding ticket?

Driving schools that drivers elect to attend instead of pleading guilty to a speeding ticket are seen as an alternative to the penalty and fines of the ticket. Almost all of the time attending these types of driving schools will never lead to cheaper car insurance rates. Learn how speeding tickets affect car insurance with our article entitled “Will a speeding ticket increase my car insurance rates“.

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