Defensive Driver Car Insurance Discount
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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.
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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.
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 ✔️
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.
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%
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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