Defensive Driver Car Insurance Discount

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer

UPDATED: Dec 17, 2020

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Defensive driving is the concept of preventing accidents before they happening. Outside of lowering your car insurance rates with a Defensive Driver car insurance discount, taking a defensive driver course may also help you drop points from your record.

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Table of Contents

Defensive Driver Car Insurance Discount

Below you will find the car insurance companies who offer a Defensive Driver car insurance discount. In our research, 22 of the top car insurance companies offered the Defensive Driver discount.

Car Insurance Companies Offering a Defensive Driver Discount

Companies	Totals Discounts Provided #	Defensive Driver
21st Century	21	✔️
AAA	21	✔️
Allstate	29	✔️
American Family	27	✔️
Ameriprise	18	✔️
Amica	27	✔️
Country Financial	26	✔️
Esurance	34	✔️
Farmers	34	✔️
Geico	32	✔️
Liberty Mutual	38	✔️
MetLife	38	✔️
Nationwide	35	✔️
Progressive	36	✔️
Safe Auto	22	✔️
Safeco	30	✔️
State Farm	20	✔️
The General	20	✔️
The Hanover	22	✔️
The Hartford	38	✔️
Travelers	28	✔️
USAA	28	✔️
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You can see here how much you can save with the Defensive Driver auto insurance discount by each company. Not all car insurance providers made their discount percentage public, but as you can see the highest percentage saved is 10 percent.

Defensive Driver Discount Savings by Company

Discounts	Defensive Driver
21st Century	5%
AAA	N/A
Allstate	10%
American Family	10%
Ameriprise	N/A
Amica	5%
Country Financial	5%
Esurance	10%
Farmers	N/A
Geico	N/A
Liberty Mutual	10%
MetLife	7%
Nationwide	5%
Progressive	10%
Safe Auto	10%
Safeco	5%
State Farm	5%
The General	8%
The Hanover	5%
The Hartford	10%
Travelers	10%
USAA	3%
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What is defensive driving?

So what does “preventing accidents before they happening” even mean? It’s all about being aware of your surroundings, not making assumptions about road conditions and other drivers, and knowing your state laws. According to SafeMotorist.com, techniques taught in defensive driving courses include:

Scanning the roadway and adapting to surroundings
Employing the two-second rule for following distances
Knowing your vehicle’s stopping distance
Being aware of reaction distance
Environment hazards
Vehicle emergencies
Sharing the road
Passing and necessary clear distance
Right of way
Speed adjustments and railroad crossings
Knowing your state’s traffic laws

The great news is you can easily find an online safe driving course that your car insurance will accept and that may reduce your points. Check with your insurance company and local DMV.

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