How To Get a Driver’s Ed Auto Insurance Discount (2024)
You could save up to 10% with a driver's ed discount from companies such as Geico, State Farm, and Progressive. In addition, you may find a program offering an online defensive driving course for an insurance discount. We'll help you learn how to get a driver's ed auto insurance discount.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 13, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Insurance companies have different requirements for a driver’s ed discount
- Some driver’s education discounts are solely for teenage drivers or senior citizens
- Drivers must complete the driver’s education course and provide proof of completion
Not all companies offer a driver’s ed discount on insurance. If a company does, you must ensure the driver’s ed class you took qualifies for an auto insurance discount since companies don’t accept some programs. Some insurers offering a driver’s ed insurance discount, such as Geico, State Farm, and Progressive, help auto insurance policyholders save up to 10%.
Read on to learn more about getting a driver’s ed insurance discount, where to find the best auto insurance companies with a driver’s ed discount, and other discounts that can decrease insurance rates.
How to Get a Driver’s Ed Auto Insurance Discount
To get a discount for taking a driver’s ed course, check if your insurance company offers a discount. You also need to check the insurance company’s requirements for what counts as a suitable course and contact your insurance company with proof upon completion.
Ensure the Auto Insurance Company Offers a Discount for Driver’s Ed Courses
Not all insurance companies offer a driver’s ed discount. Check out the list of main insurance companies below to see which insurance companies offer discounts for customers who take driver’s ed courses:
Auto Insurance Companies With Driver's Ed Discounts
Company Requirements Discount Percentage
Allstate Complete the teenSMART® driver education program. 10%
American Family Successfully complete a defensive driving course. 5%
Farmers Offer senior driver's ed Discount. Must be at least 65 (55 years in some states). Driver's Education course must be approved by DMV. 15%
Geico Successfully complete an approved course. 8%
State Farm All drivers of vehicles under 21 have to complete a qualifying course. 12%
The Hanover Successfully complete the Hanover SafeTeen Program. 7%
The Hartford Successfully complete a driver training course or defensive driving course. 6%
Travelers Successfully complete an approved course. 9%
USAA Successfully complete an approved course. 11%
Read More:
- Geico Auto Insurance Review
- State Farm Auto Insurance Review
- Farmers Auto Insurance Review
- American Family Auto Insurance Review
- Allstate Auto Insurance Review
Even if you don’t see your insurance company on the list, it may still have a program for safe drivers to earn a policy discount.
Complete Applicable Driver’s Ed Course
Before signing up for a driver’s ed class, call your insurance company and check that it accepts the program you’re taking. Some insurance companies require the course to be hosted by either the insurance company or a DMV-approved course.
Once you’ve double-checked that your course will count towards a discount, you need to complete it to receive an insurance discount for driver’s ed. Insurance companies won’t give discounts to drivers who didn’t complete a driver’s ed or defensive driving course.
Give Your Auto Insurance Company a Copy of Your Driver’s Ed Certificate
Once you’ve completed the driver’s ed course, contact your insurer to let them know and provide proof. Most insurance companies will want to see the certificate of completion.
If the insurance company is offering the driver’s ed course, then you likely don’t need to provide proof for the discount.
After informing your insurance company and showing them the certificate, you should get an applicable driver’s ed discount immediately applied to your policy.
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Other Discounts That Decrease Auto Insurance Costs
Since not every provider or state offers driver’s ed discounts, it’s important not to depend on a driver’s ed discount to reduce costs. There are plenty of other discounts that may be available at your insurance company and can help you obtain affordable car insurance, such as:
- Autopay discounts: Some insurers offer a small discount if you sign up for autopay.
- Bundling discounts: You’ll earn a discount if you bundle multiple insurance policies, such as home and auto insurance.
- Car safety discounts: The more safety features your car has and the better it performs in a crash, the lower your rate will be.
- Early signing discounts: Some insurers will offer discounts for early signing.
- Full payment discounts: Paying in full rather than on a payment plan often earns you a discount on a car insurance policy.
- Low mileage discounts: Some insurers offer a low-mileage auto insurance discount.
- Multi-car discounts: Insurers will offer a multi-car discount if you have more than one car.
- Paperless discounts: Going paperless for bills and other documents can earn you a small discount. Read more to learn how to get an electronic automatic billing auto insurance discount.
- Safe driver program discounts: Signing up with an insurance company’s safe driving program or having a clean record can earn you a significant discount. You can also earn cash back for being a safe driver.
Taking advantage of discounts and shopping around at different insurance providers for insurance quotes can help you save on your car insurance policy. Even if your insurance company doesn’t offer a driver’s ed discount, taking a course can help you become a better driver, saving you money in the long run.
How to Get Auto Insurance Savings With Driver’s Ed Discounts
Before taking a driver’s ed course, it’s essential to check that your insurance company offers a discount and that it approves your chosen course. Then you must complete the course successfully and show your certificate to earn a driver’s ed discount on insurance.
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Even if you don’t earn a driver’s ed discount, there are still plenty of ways to save. To find the best car insurance rates in your area, use our free quote comparison tool today to find cheap auto insurance rates online.
Frequently Asked Questions
How much does defensive driving lower insurance with Geico?
You could save up to 10% on coverage with a driver’s ed insurance discount at Geico.
How much does driver’s ed save you on insurance?
A driver’s ed insurance discount could save you up to 10% with companies such as Geico, Allstate, or State Farm.
How long does the driver’s ed discount last?
Usually, your driver’s ed car insurance discount will apply for three years or more, depending on the company.
Are there any discounts for safe drivers or having a clean record?
Yes, many insurance companies offer discounts for safe drivers. Signing up for a safe driving program or maintaining a clean driving record can often earn you a significant discount on your auto insurance premium.
Can I save on car insurance by bundling policies or signing up for autopay?
Yes, bundling multiple insurance policies, such as home and auto insurance, with the same insurance company can often result in a discount. Additionally, signing up for autopay can sometimes lead to a small discount on your premium.
Is it worth taking a driver’s ed course even if I don’t qualify for a discount?
Yes, taking a driver’s ed course can still be valuable in improving your driving skills and making you a safer driver. This can benefit you in the long run by potentially reducing the risk of accidents and qualifying for other discounts or favorable rates in the future.
Are there other discounts besides driver’s ed that can decrease insurance costs?
Yes, there are other discounts that can help reduce insurance costs. These include autopay discounts, bundling discounts for combining multiple insurance policies, car safety discounts, early signing discounts, full payment discounts, low mileage discounts, multi-car discounts, paperless discounts, and safe driver program discounts. Each insurance company may offer different types of discounts, so it’s beneficial to inquire about all potential discounts.
Can I get a driver’s ed discount if I already have a clean driving record?
Yes, even if you have a clean driving record, completing a driver’s ed course can still make you eligible for a discount. The discount is often based on the completion of the course rather than your driving history.
Is there an age limit for taking a driver’s ed course?
The age limit for driver’s ed courses varies by state and insurance company. While some programs are primarily designed for new or young drivers, there may be options available for drivers of all ages. Check with your insurance company for age-related requirements.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.