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Auto Insurance Discounts

Many states offer price breaks to drivers who complete the AARP Smart Driver™ course

A blue model car sits atop a pile of United States currency. Participating states offer price reductions or discounts on car insurance to motorists who complete the AARP Smart Driver™ course, whether in the classroom or by taking the online course.
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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 car 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, 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 along with the District of Columbia.
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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.

*The State of New Mexico prohibits AARP from offering the course to participants under the age of 50. In other states, participants of all ages can take the AARP Smart Driver course and may receive an insurance discount upon course completion.

**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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AARP Membership — $12 for your first year when you sign up for Automatic Renewal

Get instant access to members-only products and hundreds of discounts, a free second membership, and a subscription to AARP the Magazine.