Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Apr 28, 2020

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Here's what you need to know...

  • Many insurance companies offer discounts if you take a defensive driving course
  • Defensive driving courses are available in-person in every state or online through a number of different companies
  • Regardless of whether you see a large reduction in your premium, understanding the tactics behind defensive driving could save your life


If you take a defensive driver course, you could be eligible for the defensive driver car insurance discount.

The defensive driving course is offered under several different names among many major car insurance companies, and the discount that goes along with it is a popular marketing tool among these insurance majors.

The defensive driving course would be beneficial to practically every driver and could be the difference you need to make your premiums more affordable.

Families can save as much as 20 percent to 25 percent just on defensive driving discounts alone.

Your agent will be happy to share more information on how to take advantage of this savings opportunity.

To get FREE online car insurance rates from multiple companies, enter your ZIP code above!

Table of Contents

Benefits of a Defensive Driver Car Insurance Discount

Most people take the defensive driver course to avoid a court appearance or suspended license.

Any driver can benefit from the course; however, it is the individual whose license is in jeopardy or the family who needs to get back and forth to work by car or truck who benefits the most.

There are others, such as the individual or family, who cannot afford coverage otherwise.

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Discount for High-Risk Drivers

When people think of high-risk drivers they think of people who have speeding tickets or DUIs. High-risk drivers include those with bad credit, teens, and seniors.

These factors affect premiums rates with virtually all auto insurance providers.

Teens are offered the course as newcomers to the road to learn safer driving techniques in addition to what they may have learned in their basic driving course. This also makes the family eligible for the defensive driver car insurance discount.

Different states may identify this course by a different name, but it involves the same safety tips.

Some states make this part of their standard requirement for acquiring the motorcycle license designation. Others take it as a refresher course for the defensive driver car insurance discount.

In most states, the defensive driver car insurance discount is only good for a certain number of years. Typically, this time period is anywhere from three to five years.

The Defensive Driver Course

The content of the defensive driver course includes important information for best practices while behind the wheel. Topics generally include:

  • Driving in inclement weather
  • What to do in case of an accident
  • Dealing with road rage
  • How to react if you make a mistake
  • What to do if your car breaks down or loses a tire
  • What to do if law enforcement pulls you over

Each state offers defensive driver courses for your convenience and you can find a physical location where the course is taught. In addition to finding a defensive driver course in your community, you can find a convenient online course.

The DMV is another resource for finding a defensive driver course.

Searching for affordable car insurance coverage? Enter your ZIP code below for FREE quotes from top providers in your area today!