Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: May 13, 2021

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Key Takeaways

  • Defensive driver courses are offered online and in-person by a variety of companies
  • A defensive driver discount can save you up to 15% on your car insurance
  • Most companies offer a defensive driver discount, but the amount and requirements vary by company and state

A defensive driver discount is offered by most car insurance companies if you take an approved course and meet the requirements. Insurance companies offer this incentive because a defensive driver class makes you a safer driver.

However, the amount of the discount varies by company so 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 quotes with a defensive driver discount from multiple companies near you for free.

What is a defensive driver discount, and how do you get it?

Car insurance with a defensive driver discount is pretty easy to find and usually requires you to attend a defensive driving course.

The defensive driving course is basically a refresher on driving statistics and safety. It usually covers everything from the safest time to drive to the rules of the road.

Being a safe driver is extremely important. According to the Insurance Information Institute, 42,060 people died in motor vehicle crashes in 2020. A defensive driver course can keep you safe in addition to lowering your car insurance rates.

These classes range from 4 – 12 hours can be done online or in person, although not all online courses will get you a discount. For example, not all insurance companies will accept a free defensive driving course online and may require you to attend a class they pick.

Once you’ve completed the course, you simply send your completed paperwork to your insurance company. The discount is typically in effect for three years.

In addition to getting a car insurance discount, you may need to take a defensive driving course for other reasons. For example, in some states, taking a defensive driving course will remove points from your license. You may also be ordered to take a class if you’ve committed a major traffic violation.

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What car insurance companies offer a defensive driver discount?

Most car insurance companies will offer some sort of discount for taking a defensive driving class. However, some companies only offer the discount for driver under the age of 25 or over the age of 60. They may also require that you have a clean driving record to receive the discount.

Check out this table to see which car insurance companies offer a defensive driver discount. If the amount of the discount is known, it is listed.

Defensive Driver Car Insurance Discount Available By Company
CompanyDefensive Driver Discount Available
21st CenturyX
American FamilyX
Ameriprise (Connect)X
Country FinancialX
Liberty MutualX
Safe AutoX
State Farm10-15%
The GeneralX
The HanoverX
The HartfordX
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Every car insurance company will offer a different discount amount and have different requirements for drivers to receive the discount. For example, the defensive driving discount from GEICO will be different than the discount offered by State Farm.

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

A defensive driver discount is just one of many available car insurance discounts you should always ask about. 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. To find the most affordable car insurance with a defensive driver discount, shop around and compare quotes.

Enter your ZIP code now to compare car insurance rates with a defensive driver discount for free.