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Take AARP’s Smart Driver course and you could save money on your car insurance. Learn more

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Auto Insurance Discounts

Many states offer price breaks to motorists who complete the AARP Smart Driver Course

Participating states offer price reductions or discounts on auto insurance to motorists who complete the AARP Smart Driver™ Course, whether in the classroom or by taking the online course.

In many states the discounts are mandatory, so automobile insurance companies must offer insurance discounts to people completing a classroom-based, state-approved driver-improvement course. Discounts may vary based on the participant's age, driving record and other factors, and all participants are encouraged to check with their insurance agent before completing the AARP Smart Driver Course.

  • The 35 locations are Alabama, Alaska, Arkansas, California, Colorado, Connecticut, the District of Columbia, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Montana, Nevada, New Jersey, New Mexico, New York, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Washington, West Virginia and Wyoming.

Additionally, 23 states and the District of Columbia require automobile insurance companies to offer insurance discounts to people completing a state-approved driver-improvement course that is conducted online.

  • The 23 states are Alaska, California, Colorado, Connecticut, Delaware, Florida, Idaho, Kansas, Louisiana, Maine, Minnesota, Mississippi, Montana, Nevada, New Jersey, New Mexico, New York, North Dakota, Oregon, Pennsylvania, Tennessee, Virginia and Washington along with the District of Columbia.*

In the states where auto insurance premium discounts are not mandated, several insurance companies voluntarily provide premium discounts to participants completing the AARP Smart Driver Course.

Participants must contact their insurance company or agent for more details on any of these options.

*In some states, separate rules apply to online driver-improvement courses (as opposed to courses being completed in a classroom setting). Check with your insurance company or agent before taking an online course to find out whether you would be eligible for a discount.

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This program is supported by a generous grant from Toyota to AARP Foundation.

*Upon completion, you may be eligible to receive an auto insurance discount. Other restrictions apply.

Consult your agent for details.