Texas *Allstate, Amica, Esurance, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Auto Car Defensive Driving Insurance Discount

Texas *Allstate, Amica, Esurance, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Auto Car Defensive Driving Insurance Discount

Defensive Driving Course | Driver Improvement | Accident Prevention | Traffic School | Mature Senior Citizen Driver’s Discount Class | Traffic Safety | Allstate, Amica, Esurance, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Auto Car Insurance Discounts

This defensive driving course is for Texas Allstate, Texas Amica, Texas Esurance, Texas Farmers, Texas Geico, Texas Liberty Mutual, Texas Nationwide, Texas Progressive, Texas State Farm Car and Auto Insurance Discounts for many states. After completion of this course, you will get a certificate either by mail or direct download (for some states) to forward to your insurance company or agent. See your Allstate, Amica, Esurance, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, auto or car insurance policy for additional details. Discounts provided by auto insurance, if any, vary by company and policy.

While a defensive driving class usually costs from $15 to $35, a course that reduces driving points may be more. Check with your Allstate, Amica, Esurance, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, insurer or state department of motor vehicles to get the exact cost and where you can take the course, whether in a classroom or online.

Most companies and states will allow you to renew the training (and discount) every (3) three years.

Driver Point Reduction and Removal | CAR AND AUTO INSURANCE Discounts

Defensive Driving for Traffic Violations | Point Reduction and Removal | Auto Insurance Discounts

Texas Defensive Driving, Course, Texas Driver Improvement, Texas Traffic School, Texas Accident, Texas Crash Prevention, Online, Class, Test, Program, Internet, Texas 55 Alive, Texas Mature Driver Improvement

55 Alive, Mature Driver Improvement, Driver Improvement, Traffic School, Accident, Crash, Prevention, Online, Class, Test, Program, Internet, Texas Allstate, Texas Amica, Texas Esurance, Texas Farmers, Texas Geico, Texas Liberty Mutual, Texas Nationwide, Texas Progressive, Texas State Farm

Defensive Driving for Traffic Violations | Point Reduction and Removal | Auto Insurance Discounts





Senior Citizen Drivers Car/Auto Insurance Discount Course





Defensive Driving Discounts: An Introduction

Texas *Allstate, Amica, Esurance, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Auto Car Defensive Driving Insurance Discount. The discount may apply to your premium for three years following course completion, so the savings will more than offset the cost of the course.

Most of these courses are aimed at young drivers or seniors, and discounts often have age restrictions. Your eligibility for discounts will depend on your age, your driving record, and where you live. There are a variety of different options available, and you’ll need to consider the following factors when choosing the right course for you:

  • Course length
  • Teaching methods
  • Cost
  • Online availability, in-class, or on-the-road

6 Best Defensive Driving Courses

We’ve compiled the best defensive driving classes available and noted which insurance companies may provide discounts for graduates. You’ll find a multitude of defensive driving courses available online, but not all are reputable or will qualify you for discounts on your auto insurance. Choose the course that works for your learning style, fits in your budget, and will snag you the best discount.

Defensive Driving Courses: At a Glance

Defensive Driving CourseLength of CourseOnline or In-PersonAge RequirementsCostMay Be Accepted By
Safety Serve4-6 hoursOnline50 years or older$39.95GEICO

State Farm


AARP Smart Driver4 hoursOnline or in-person55 years or older$19.95 – $24.95American Family




AAA Roadwise6 hoursOnline or in-person55 years or older$19.95American Family




Alive at 254.5 hoursIn-person14-24 yearsVariesLiberty Mutual


State Farm


American Safety Council Safe Motorist8 hoursOnline50 years or older$12.50GEICO
B.R.A.K.E.S.4 hoursIn-Person16-20 (NC), 15-19 (other states)FreeLiberty Mutual


State Farm


Safety Serve

Safety Serve is an official online defensive driving course of the National Safety Council. The curriculum has helped 75 million drivers improve their traffic safety skills and accomplish an insurance reduction.

You can take the course online on your own schedule, and it takes about four to six hours to complete, depending on your state. Over the course of six sessions, which you can bookmark and return to at any time, you’ll learn driver safety techniques such as avoiding violations, identifying dangerous drivers and conditions, and preventing collisions.

The class is mobile responsive and interactive to make it easy to learn with any device. Upon completion of this driver improvement course, you’ll get a Certificate of Completion in the mail, and you can expect an improvement in your insurance rates at several companies. And if you’re not satisfied, there’s a 100 percent money-back guarantee.

Insurance companies that offer discounts for completion of the Safety Serve driver education course:

  • State Farm
  • Amica

Cost: $39.95

AARP Smart Driver Course

With this online course designed for seniors ages 55 and older, you can learn evidence-based techniques to become a safer driver. You’ll learn how to avoid distractions, prevent collisions, and cope with age-related effects on your driving, such as medication usage and vision/hearing changes. An evaluation of this course found that 97 percent of participants altered their driving behavior based on what they learned.

You can take this course at your own pace, and you’ll have 60 days to complete it. It takes about four hours to complete, and the course will keep track of your progress so you can finish the curriculum in multiple sittings. You’ll get a certificate of completion after you successfully pass the exam at the end of the course.

If you prefer to take the Smart Driver course in-person, you can check to see if there are classroom locations near you.

You’ll need to contact your insurance provider to make sure the course is accepted in your state, but some insurers that may accept the course include:

  • American Family
  • Farmers
  • Nationwide

Cost: $19.95 for AARP members, $24.95 for non-members

AAA Roadwise

This course designed for seniors can be taken in-person or online at your own pace. You’ll have 30 days to access the curriculum, and the course can be completed in about six hours. You’ll get a refresher on traditional rules of the road, up-to-date recommendations based on new research, and other accident prevention strategies.

The class is interactive and user-friendly, and you can complete it in multiple sittings. Once you’re done, you’ll get a certificate of completion in the mail, and depending on your insurance provider, you may also be eligible for discounted premiums. Some providers that may offer discounts for the AAA Roadwise course include:

  • American Family
  • Nationwide
  • Farmers

Cost: $19.95

Alive at 25

This in-person course is open to anyone between the ages of 14 and 24. It is designed by the National Safety Council to help young drivers learn to avoid dangerous situations on the road. It is available in the following states:

  • California
  • Colorado
  • Idaho
  • Kentucky
  • Maine
  • Wyoming

In an interactive classroom setting, students learn defensive driving techniques that will help protect them from collisions. More than 400,000 young adults have benefited from the course since 1995, and the nationally recognized program may be able to snag you discounts at the following insurance companies:

  • Liberty Mutual
  • State Farm
  • Travelers
  • USAA

Cost: Varies

American Safety Council Safe Motorist Course

If you get your car insurance through GEICO and are 50 years or older, the easiest and cheapest way to get a defensive driving discount is to take the American Safety Council Safe Motorist course. The course is eight hours long, but you get access to the online curriculum 24/7, so you can complete the course at your own pace.

You’ll answer some quiz questions in order to pass, and then your certificate of completion will be automatically submitted to GEICO. Eligible drivers will receive a mandatory discount for three years after completing the course, and a refresher course is available as well.

Eligibility requirements can vary by state, and GEICO notes that younger drivers may also be eligible in some locations, so contact GEICO to get the details.

Cost: $12.50


This free defensive driving course is rumored to be an impressive event for teens and their parents. All teen drivers, even those 18 or older, must have a parent or guardian present. Teen attendees should have at least 30 hours of driving experience under their belts. In addition, you’ll need to submit a $99 deposit to reserve your spot. If you don’t show up, you forfeit the money, but you can request it be returned when you attend, or leave it as a donation.

B.R.A.K.E.S. teaches proactive driving techniques with both a classroom and on-the-road component, so teens will have the opportunity to practice what they learn in cars provided by the program. You’ll receive a certificate of completion at the end of the class.

Insurance companies that offer defensive driving discounts to young drivers include:

  • Liberty Mutual
  • State Farm
  • USAA
  • Travelers

Call your insurance company to find out if the B.R.A.K.E.S. course will allow you to save on your premiums.

Looking for other car insurance discounts?

Defensive driving discounts aren’t the only way to save. You may be able to snag even bigger discounts for the following:

  • Good student discounts for drivers who maintain a B average
  • Safe driving programs that use telematics to track driving behavior
  • Bundling your auto insurance with another policy, such as your home or renters insurance
  • Accident-free and violation-free discounts after your driving record remains clean for a certain time period
  • Equipment-related discounts for motor vehicle safety features
  • Payment discounts, such as paperless and pay-in-full savings
  • Discounts for certain membership affiliations

Some of these discounts can save you up to 25 percent, and you’ll be able to combine multiple discounts as long as you’re eligible. That’s why it’s important to take into account all the discounts you qualify for when researching auto insurance quotes.

The Easiest Way to Save Money on Car Insurance

In order to compare car insurance rates apples-to-apples, you’ll need to factor in all the discounts available to you for the coverage you need.

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