# What is defensive driving discount?

> A defensive driving discount is a price reduction that may apply after an eligible driver completes an approved safety course.

Glossary date: June 29, 2026.

## How it works

Age rules, approved courses, required hours, certificate deadlines, and discount periods differ by state and insurer.

## Example

An eligible driver completes an approved course, sends the certificate to the insurer, and receives the discount at the next permitted effective date.

## Why it matters

A course can cost time and money without qualifying for a particular policy.

## What to check on your policy

Ask the insurer which course is approved, who qualifies, how long the discount lasts, and when to submit proof.

Coverage, definitions, limits, and legal requirements vary by policy and state. Your declarations page and policy forms control your coverage.

## Related terms

- [Driving record](https://locations.goautoinsurance.com/car-insurance-glossary/driving-record.md)
- [Car insurance premium](https://locations.goautoinsurance.com/car-insurance-glossary/car-insurance-premium.md)
- [Insurance underwriting](https://locations.goautoinsurance.com/car-insurance-glossary/insurance-underwriting.md)

- [Car insurance guide](https://locations.goautoinsurance.com/car-insurance-guide.md)
- [Complete glossary](https://locations.goautoinsurance.com/car-insurance-glossary.md)