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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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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.

Buying car insurance online has never been easier. Ready to compare rates and discounts from the top car insurance companies today? Enter your ZIP code above to get started.

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
CompaniesTotals Discounts Provided #Defensive Driver
21st Century21✔️
AAA21✔️
Allstate29✔️
American Family27✔️
Ameriprise18✔️
Amica27✔️
Country Financial26✔️
Esurance34✔️
Farmers34✔️
Geico32✔️
Liberty Mutual38✔️
MetLife38✔️
Nationwide35✔️
Progressive36✔️
Safe Auto22✔️
Safeco30✔️
State Farm20✔️
The General20✔️
The Hanover22✔️
The Hartford38✔️
Travelers28✔️
USAA28✔️
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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
DiscountsDefensive Driver
21st Century5%
AAAN/A
Allstate10%
American Family10%
AmeripriseN/A
Amica5%
Country Financial5%
Esurance10%
FarmersN/A
GeicoN/A
Liberty Mutual10%
MetLife7%
Nationwide5%
Progressive10%
Safe Auto10%
Safeco5%
State Farm5%
The General8%
The Hanover5%
The Hartford10%
Travelers10%
USAA3%
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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.

Ready to compare car insurance discounts from multiple providers? Enter your ZIP code below to get started.

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