Car insurance glossary
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.
Also called: driver safety course discount
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.
Related car insurance terms
Put the terms into context
Read the full guide, find a nearby GoAuto office, or start a quote with the coverage details you want to discuss.