Short answer: Some states require auto insurers to discount premiums for drivers 55 and older who complete an approved accident prevention course. Minnesota sets the discount at no less than 10%. Florida, Oregon, Washington and Montana require an "appropriate" discount, and Nevada requires a reduction for 3-year periods. The discount generally lasts 2 to 3 years before you retake the course.
Ask your insurer which courses it accepts and send the completion certificate. The discount isn't automatic.
The table
| State | Discount rule | Duration and conditions | Source |
|---|---|---|---|
| Florida | Insurers' rates must include an appropriate discount on liability, PIP and collision when the principal operator is 55 or older and completed a state-approved accident prevention course | Discount lasts 3 years after the course; the insurer may require no at-fault accidents and no moving-violation convictions to keep it | Fla. Stat. §627.0652 |
| Idaho | Insurers must give an appropriate reduction on liability, medical payments and collision when the principal operator is 55 or older and completed an approved accident prevention course | Lasts 3 years; the insurer may require no at-fault accidents and no moving violations during that time. Retake every 3 years. Court-ordered courses don't qualify | Idaho Code §41-2515 |
| Kentucky | Auto liability and physical damage rate plans must include an appropriate premium reduction for at least 3 and up to 5 years for insureds 55 and older who complete an approved accident prevention course | Retake the course every 5 years. Self-instructed courses and court-ordered courses don't qualify. Members of the U.S. Armed Forces of any age who complete a military defensive driving course also qualify | KRS 304.13-063 |
| Louisiana | The commissioner must authorize an actuarially justified reduction, set by the insurer in its rate filing, on bodily injury, property damage and collision coverage when the named insured and principal operator is 55 or older and completes an approved defensive driving course | Every driver of that vehicle must be 55+ and have completed the course. It applies to new and renewal policies for 36 months after the course. Not for assigned-risk, experience-rated, preferred-plan or surcharged policies, or court-ordered courses. A separate reduction of up to 10% may be authorized for drivers of any age | La. R.S. 22:1457 |
| Minnesota | Insurers must give at least a 10% premium reduction on private passenger auto policies to insureds 55 and older who complete the 4-hour accident prevention course or a refresher | Retake the course or a refresher every 3 years to stay eligible | Minn. Stat. §65B.28 |
| Montana | Rates for liability, bodily injury or collision coverage must provide an appropriate premium reduction, as determined by the insurer, for insured operators 55 or older who complete a state highway traffic safety program | The insurer may also reimburse the program fee; its reduction is presumed appropriate unless credible data shows otherwise | Mont. Code Ann. §33-16-222 |
| Nevada | Auto liability policies for people 55 or older must provide a premium reduction for 3-year periods after completing a DMV-approved traffic safety course, retaken every 3 years | You must have no at-fault crashes, a violation-free record and no listed convictions (such as DUI) for the prior 3 years; the reduction is based on insurer data and approved by the Commissioner | NRS §690B.029 |
| Oregon | Rates must include an appropriate discount on liability, PIP or collision when the principal operator is 55 or older and completed an approved accident prevention course | Course must be within 3 years before the policy period (2 years if 70 or older); no drivers under 25 regularly use the car, and it isn't rated for business use. One discount per vehicle | ORS 742.490 |
| Utah | Rate plans for liability, PIP and collision must include an appropriate reduction when the principal operator is a named insured 55 or older who completed an accident prevention course | Lasts 3 years after the course; the insurer may require no point-assessed moving violation convictions. Court-ordered courses don't qualify | Utah Code §31A-19a-211 |
| Washington | Rate plans for personal auto liability and physical damage insurance must include an appropriate premium reduction (except underinsured motorist coverage) for insureds 55 and older | Lasts 2 years after completing an accident prevention course of at least 8 hours meeting Department of Licensing criteria | RCW 48.19.460 |
We list only states where we read the official text ourselves in October 2026. A state that is missing is not covered here; check that state's statute or insurance department.
How to get the discount
- Take a state-approved course (often available online).
- Send the certificate to your insurer and confirm the discount on your next bill.
- Set a reminder to retake it before the discount period ends.
See the California good driver discount rules and the state insurance rules hub.
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Methodology
Each row was read from the official source linked in the Source column in October 2026. This is general information, not legal advice. See also the state insurance rules hub.
Frequently asked questions
Is there a car insurance discount for seniors who take a driving course?
In this table, Florida, Minnesota and Oregon require one for drivers 55 and older who complete an approved accident prevention course.
How much is the Minnesota mature driver discount?
At least 10% on private passenger auto policies (Minn. Stat. §65B.28).
How long does the discount last?
Florida's lasts 3 years after the course. Minnesota and Oregon tie eligibility to retaking the course within 3 years (2 years in Oregon if you're 70 or older).
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. Not legal, tax or financial advice, and not a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.