Driver’s Ed Car Insurance Discounts

Some car insurance companies provide a driver's ed car insurance discount that may reduce full coverage car insurance rates by 5% or more for teen drivers and new adult drivers. Below we’ll cover some more details.

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UPDATED: May 22, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 22, 2022Fact Checked

Here's what you need to know...

  • Taking a driver’s education course will help keep the cost down for insuring your teen driver
  • Some states now mandate driver’s education before a teen can get their license
  • Compare organizations offering driver’s education classes to make sure you choose the one that’s best for you
  • Students who take driver’s education classes are at a statistically lower risk of being involved in an accident

How can you reduce your insurance policy payment with driver’s ed?

If you want to save money on auto insurance for your teen driver, a driver’s ed car insurance discount can lower your rates. While it’s hard for a teen driver to get cheap car insurance rates, taking a driver’s ed course can help. You can save five percent or more when a teen successfully completes a driver’s ed program.  Just show your insurance company your certificate of completion after you’ve passed the course.

Continue reading to learn more about saving money with a driver’s ed car insurance discount and how a driver’s ed discount can help you find affordable auto insurance for teen drivers.

Enter your ZIP code to compare multiple companies in your local area to see which company provides the best rates with driver’s ed discounts.

Will driver’s ed lower your car insurance?

Does taking driver’s ed reduce insurance rates? The short answer is yes. If you have a teen driver on your auto insurance, you can lower your rates by enrolling the teen driver in a driver’s course to lower your insurance rates.

Of course, the teen must pass the course. When a driver’s ed class is completed, they give the teen a certificate proving they passed. Show this certificate to your car insurance company, so you can start receiving a driver’s ed insurance discount.

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How to Get a Driver’s Ed Car Insurance Discount

Most auto insurance companies offer some sort of driver’s ed discount on insurance, while others will not provide insurance at all unless your teen driver takes driver’s ed.

Most high schools around the U.S. offer driver’s education classes to students 15 years old and older. In many states, due to budget cuts, there is a charge for taking the course, but typically it is far less expensive than going to a private driving school or using a private instructor.

For example, Florida has a traffic school (Florida Virtual School or FLVS) just for these purposes. Since the pandemic, many drivers have been taking FLVS Driver’s Ed online. Driver’s Ed FLVS is available to teen drivers and drivers who need to get points off of their license.

Taking an online driver’s ed course to lower your insurance rates is a smart idea. Taking a driver’s test to reduce insurance rates is a quick money-saving option. To find out which company provides the best driver’s ed discount on insurance, you will need to compare rates.

You may find that you don’t choose when it comes to your teen driver and taking driver’s ed. Many states now require a teen to take a driver’s ed before getting their driver’s license. If they don’t, they will have to wait until they are an adult to get their license.

Does attending driving school affect my auto insurance rates?

Some of the best car insurance companies offer discounts to individuals who attended a driving school. How much does driver’s ed save on insurance?

Some, but not all, insurance companies offer driving school insurance discounts. The driving school could provide decreased auto insurance rates for you, your teens, and your family. Make sure you check your provider’s requirements for getting a discount from attending driving school. Driving school discounts may reduce full coverage car insurance rates by up to five percent.

However, not all auto insurance companies and states offer insurance for individuals who attend driving school.

Before participating in a state-sponsored driving school, check with your insurance company to see if they offer this discount before enrolling.

You also want to make sure that you ask how much of a discount attending driving school will offer you. Often insurance companies will offer anything from 3-5%.

Check to see if there is a special driving school you must attend to get the discount. Normally, that means it has to be a state-sponsored safe driving course.

Does going to driving school lower car insurance rates?

Does driver’s ed make insurance cheaper? If the driving school you select is a state-sponsored driving school, there is a good chance that your insurance company will offer you a discount.

However, this is not a guarantee. You must ask your agent if this type of discount is offered on your insurance policy.

While there are many discounts offered, not all insurance companies offer discounts for attending driving school.

You need to educate yourself about the type of discounts that your insurance company offers.

Some insurance companies offer homeowner discounts, good student discounts, and safe driving discounts.

Your insurance company will not necessarily ask you or make sure you are getting these discounts. You must ask your insurance provider if you qualify for any discounts.

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Will attending driving school decrease car insurance for teen drivers?

When a policyholder has a teenage child who is nearing driving age, they typically worry about more than just their child on the road.

Most budget-conscious families begin to worry about how adding their teenager will significantly increase their annual car insurance premiums.

Teenagers, especially male teens, are the most expensive group to insure because they are less experienced drivers and are therefore more likely to be in an accident.

Auto insurance companies consider male teenagers to be more likely to take risks on the road. As a result, they’re a higher insurance liability.

Parents can offset the toll their teenagers will take on their auto insurance rates by making their teens attend a driver’s education course.

The responsibility to teach a teen to drive fell solely on his parent’s shoulders in the past. Today, teens can take a class at high school from a qualified instructor.

Today, most schools offer their own driver’s education course, but if the policyholder’s school does not, there are driving schools in most cities.

Driver’s education courses are a good idea because they teach the teen the rules of the road and special defensive driving techniques that help prevent accidents altogether.

Once the teenager has taken and passed the driver’s education course, the parent can submit their certificate to their car insurance provider for a discount.

Will attending driving school decrease car insurance rates for a family?

Depending on your insurance company, if everyone listed on the policy as a driver attends a state-sponsored driving school, there is a good chance that the company may offer a discount for each driver.

However, some insurance companies only offer a discount for the main driver or policyholder on the policy. If you are a parent, then having your teen driver take classes is a great idea.

Chances are your insurer will view that as lessening the risk of coverage for a young driver. In addition to the financial incentive, these classes will help your child to be a safer driver.

Will attending driving school decrease car insurance rates for me in my state?

There is no law mandating what discounts an insurance company must offer in any state. It all depends on your insurance company if they offer a driving school discount. Taking a defensive driving course for an insurance discount is worth investigating.

Again, not every insurance company offers the same discounts, nor do they always inform their customers about available discounts.

The best way to find out what discounts are offered is to speak directly to your insurance agent so that you get accurate information about the discounts available. This is going to be the best way to see if they offer insurance discounts for driver’s ed.

Always talk to an insurance agent about available discounts and ways to save money on your policy to help keep your family and vehicles protected as well as save you money.

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Will a driving course decrease teens’ auto insurance rates?

Taking a driving course may decrease teenage insurance rates by $27.21/mo and reduce the likelihood of an accident or claim in the future.

  • The expenses associated with having a teen driver in the home can be overwhelming.
  • The benefits of taking the driving course for teens are not limited to a decrease in premiums.
  • Regardless of taking a driver’s ed course, teen boys do not always pay more for their car insurance (see our age and gender guide to car insurance for more details).

Completing a driving course will decrease teenagers’ rates for auto insurance. If your teen takes a defensive driving course, it will make them better prepared for the road.

In some opinions, teen defensive driving courses should be mandatory. Although basic driving courses are provided in schools, all teens do not learn to drive through these classes.

These courses specifically relate to the issues facing teen drivers.

If you send your teen to a privately owned driving school, the class will most likely cost even more than the average class.

What are the benefits for teens enrolled in a defensive driving course?

Although each state regulates its driving laws and practices, most carry an incentive for teens to take defensive driving courses. These courses can decrease rates by at least 10 percent or more.

Statistics have proven that teens who take defensive driving courses are less likely to be involved in an accident.

Your young adult will learn responsible driving skills that will carry them through life. If an accident occurs, your teen will know the steps to follow.

Driving courses also minimize additional expenses by decreasing the likelihood of an accident or claim.

After taking the course, teens are often asked to sign an agreement that reminds them to obey the following rules of conduct:

  • No more than two friends in the car at a time
  • No talking or texting on the cell phone while driving
  • No loud music while driving
  • Remember your curfew

Most parents enforce these rules, whether their young person takes the course or not. However, for those who do take the course, the agreement is encouraged.

Where do I find a defensive driving course for teens?

If your public school does not offer this course, you can find online references to a school that is in your city.

Your state’s DMV should also have a list of schools of this nature on-site and on its website.

Someone who has already taken the course would be an excellent source since teens frequently communicate this information to one another.

Be sure to check with your insurance provider to find out if you qualify for a defensive driving discount.

The Best Places to Take Driver’s Education

If you look for driver’s education options in your phone book or online, you will find that there are a lot of choices. According to Traffic School Critics, This may lead to you questioning just what kind, of course, you should choose for your child.

To make it easier, here are some questions you should ask:

  • Is it state-licensed? – A state license means the school or instructor will teach your teen what they need to know before taking their driver’s education test. Many schools are licensed to provide the actual driving exam, which means after completing the course, they can go to the DMV and get their picture taken!
  • Is it affordable? – There are a variety of price points for driver’s education courses. You really don’t have to pay a fortune to provide your child with a quality driver’s education. You should compare prices with several facilities in your area before you decide.
  • Is it convenient? – Taking a driver’s ed class at school is convenient for both the teen and their parents. Classes take place during or right after school, and your kid should get credit from the school for taking the course. If that isn’t an option, find a school that will work with your schedule.
  • Do they provide the vehicle? – Some schools require you to provide your vehicle for training while others provide the cars. While you’re at it, ensure that they train for both automatic and manual so your child can drive any type of car!
  • How long does it take? – While you don’t want your child to finish their course in three days, you also don’t want them to take their class for four months. A normal driver’s education course can take anywhere from ten days to six weeks, depending on the type of training.

Are you feeling more confident about getting car insurance? Check out some additional benefits a driver’s ed program can have for you.

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Driver’s Education Benefits

According to the Centers for Disease Control (CDC), the number one cause of death for teens between 15 and 19 years old is car accidents, usually with a teen as a driver.

Teens who take driver’s education have fewer accidents than those who don’t take driver’s ed.

The purpose of a driver’s education is to do more than teach your child the rules of the road. The right class will teach them offensive and defensive driving and respect the dangers of the road.

Of course, you don’t want to overlook the possible benefit of getting a discount on your car insurance premiums as well. Insuring a teen driver isn’t cheap!

Be warned that successful completion of a state-approved driver education program does not, alone, make a teenager a responsible, experienced driver.

Teen Drivers and New Drivers Can Increase Car Insurance Rates

The average cost of car insurance for teen drivers and new drivers is higher than other drivers in the United States. Let’s examine the cost of auto insurance for new drivers and teen drivers in the data below.

Teen Driver and New Driver Car Insurance Rates Comparison
Driver SummaryAverage Monthly Car Insurance RatesAverage Annual Car Insurance Rates
Teen Driver (Ages 16 to 19)$353$4,231
New Adult Driver (Adults Around 25)$237$2,847
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Although some new drivers aren’t teens, they pose the same risks as inexperienced teen drivers. Therefore, car insurance companies will increase their rates higher than average.

Since each company is different, you’ll likely pay more for auto insurance as a new adult driver or teen driver.

Saving Money on Auto Insurance

The truth is that paying for a driver’s education course for your child will not reduce your insurance rates enough to make up for the cost of the class.

Typically, the discount is 10-20% off of the total premium. However, the discount can be lower with some insurance companies.

If you want a deeper discount, you need to take advantage of other discounts, such as a good student discount. Consider keeping your child out of the driver’s seat on any vehicle that carries collision and/or comprehensive insurance.

Liability car insurance coverage is a lot more affordable than a policy that carries comprehensive and collision insurance.

You can get a discount on your teen’s insurance if they take driver’s education; however, that doesn’t mean you want to stop there. You need to take advantage of every rate reduction that you can.

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What other discounts are available for drivers?

Most car insurance companies offer many discounts, so no matter what, their policyholders can be eligible for one or more of them.

Some common auto insurance discounts are multi-policy discounts, multi-car discounts, accident-free discounts, good student discounts, long-term policyholder discounts, anti-theft discounts, and car safety discounts.

The majority of drivers today qualify for anti-theft and car safety discounts since safety features have come standard for most new cars for years.

Car alarms, seatbelts, anti-lock brakes, and airbags are all features that can make a car eligible for a discount.

Are there other ways the family can save on teen car insurance?

There are other ways the family can save on teen coverage as well. If your student maintains good grades, your family will be eligible for a discount.

More tips include:

  • Paying premiums in advance
  • Selecting a higher deductible
  • Invest in a car alarm
  • Ask about car or truck safety features

If you mention your teen’s driver safety course in addition to these recommended tips, you can decrease your teen’s coverage to an affordable rate.

If you decide to purchase apartment rental insurance and combine it with your other coverage with the same company, you may be eligible for yet another discount.

Ready to compare driver’s ed car insurance discount quotes? Enter your ZIP code now to buy car insurance with a driver’s ed discount.

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

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