How To Get a Defensive Driving Insurance Discount

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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At The Hartford, we believe in rewarding safe drivers. The AARP® Auto Insurance Program from The Hartford1 offers car insurance discounts and exclusive benefits for being responsible on the road, like our defensive driving discount. If you complete an approved defensive driving course online or in-person, you can enjoy a discount of up to 5% on your car insurance premium for the next three years.
 

What Are Defensive Driving Courses?

Whether it’s traffic violations or traffic tickets, the unexpected happens to drivers every day. That’s why it’s important to be as prepared as possible. Defensive driver courses teach important driving skills and techniques designed to prevent car accidents and keep your driving record clean. You’ll not only learn the newest techniques on safe driving, but you may be able to receive car insurance discounts if your courses are approved by your insurer.
 

Getting a Defensive Driving Course Insurance Discount

man researching How To Get a Defensive Driving Course Insurance DiscountWhether it’s traffic violations or traffic tickets, the unexpected happens to drivers every day. That’s why it’s important to be as prepared as possible. Defensive driver courses teach important driving skills and techniques designed to prevent car accidents and keep your driving record clean. You’ll not only learn the newest techniques on safe driving, but you may be able to receive car insurance discounts if your courses are approved by your insurer.
 
The Hartford makes it simple to get car insurance discounts for your safe driving habits. If you complete an approved defensive driving course, like the AARP Smart Driver™ course, you can enjoy savings on your auto insurance policy.
 
You can easily find different defensive driver courses online, or you can opt to take one locally. To make sure your course is approved for our discount, call 800-423-6789 to speak to a Hartford representative. It’s possible the discounted amount varies by state, and not all courses that teach safe driving techniques will quality for the credit.
 

How Does the Defensive Driver Discount Work?

Defensive driving insurance discounts work by reducing your car insurance premium after you’ve completed an approved course. At The Hartford, you can enjoy a discount applied to your car insurance for the next three years after you send us a copy of your certificate. Then, we’ll apply the savings to your car insurance premium.

Frequently Asked Questions

If you’ve completed an approved defensive driving course, you can enjoy a discount of up to 5% on your car insurance for the next three years. To learn more, call The Hartford at 888-546-9099.
While you can find defensive driving courses online, you may want to make sure the course is approved by your insurance company. Call 800-423-6789 to speak to our representatives about getting an insurance discount for defensive driving courses.
Usually there are no age eligibility requirements to qualify for defensive driving discounts. These safe driving courses benefit drivers of all ages by sharpening their skills on the road, resulting in car insurance premium savings.
Most car insurance companies offer some sort of discount for safe drivers. To learn more about qualifying for a defensive driving course insurance discount, along with other benefits and savings from The Hartford, call us at 888-546-9099.
Defensive driving courses can cost anywhere from $15 to $100.
 

Additional Discounts From The Hartford

couple researching Additional Discounts From The HartfordAt The Hartford, we believe in rewarding experienced drivers who stay safe behind the wheel. With the AARP Auto Insurance Program from The Hartford, safe drivers can take advantage of numerous car insurance discounts, all designed to help you save money.
 
  • Bundle insurance savings: Save up to 12% on your auto insurance and up to 20% on your home, condo or renters insurance when you bundle policies. through the AARP Auto and Home Insurance Program from The Hartford.**
  • Paid-in-full discounts: If you pay your bill in full instead of making monthly payments, you can receive extra savings.
  • Vehicle safety discounts: Having certain safety features in your car, like airbags, can save you money.
  • Safe driver discount: Drive safe to save. To qualify for a safe driver discount, you’ll typically need to have no at-fault collisions, accidents or violations for at least five years as well as no comprehensive losses. 

Get a Car Insurance Quote From The Hartford

Since 1984, the AARP Auto Insurance Program from The Hartford has been protecting drivers and their families on the road. To learn more about our defensive driver discount and other benefits to help you stay safe and save, get car insurance quotes online or call our representatives at 888-546-9099.
 
 
Last Updated: March 19, 2025
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.