Defensive Driving Courses Reduce Insurance Points?


Defensive driving courses are designed to improve drivers’ skills, enhance their awareness on the road, and promote safe driving practices. Beyond their educational benefits, these courses may also offer the potential to reduce insurance points for drivers who have accumulated demerits on their driving records due to various violations or at-fault accidents. In this article, we will explore the effectiveness of defensive driving courses in reducing insurance points, the benefits they offer, eligibility criteria, and considerations for drivers considering this option.

How Defensive Driving Courses Work

Defensive driving courses provide drivers with valuable knowledge and techniques to handle challenging driving situations safely. They cover topics such as traffic laws, collision avoidance, defensive driving strategies, and the importance of maintaining a clear mindset while behind the wheel. Drivers who complete these courses gain a better understanding of potential hazards on the road and learn how to respond to emergencies effectively.

Reduction of Insurance Points

In many states and regions, completing a defensive driving course can lead to a reduction in insurance points on a driver’s record. Insurance points are assigned by insurers to assess a driver’s risk level and determine insurance premiums. A driver with a history of violations or accidents typically accumulates insurance points, resulting in higher insurance costs. By voluntarily taking a defensive driving course, drivers demonstrate their commitment to improving their driving skills and reducing the risk of future incidents, leading some insurers to reward them by removing or reducing points from their record.

Benefits of Defensive Driving Courses

Defensive driving courses offer numerous benefits beyond the potential reduction of insurance points:

1. Improved Driving Skills: Defensive driving courses equip drivers with valuable skills to anticipate and respond to potential hazards, ultimately making them safer drivers.

2. Lower Insurance Premiums: As mentioned earlier, completing a defensive driving course can lead to reduced insurance points and, consequently, lower insurance premiums.

3. Accident Prevention: By learning defensive driving techniques, drivers can actively avoid potential accidents and minimize the risk of being involved in collisions.

Eligibility Criteria and Duration of Benefits

Eligibility criteria for defensive driving courses and their benefits vary depending on the state or insurer. In some regions, drivers may be eligible to take a defensive driving course after receiving a certain number of violations or accumulating a specific number of insurance points. The benefits of completing a defensive driving course may last for a predetermined period, typically ranging from one to three years. During this time, the driver’s insurance points may be reduced or remain unaffected, depending on the specific insurer’s policies.

Considerations for Drivers

Before enrolling in a defensive driving course, drivers should consider the following factors:

1. Eligibility: Verify with the appropriate authorities or your insurance company to ensure you meet the eligibility criteria for taking a defensive driving course.

2. Course Accreditation: Choose a defensive driving course that is recognized and accredited by your state’s Department of Motor Vehicles or relevant authorities.

3. Insurance Company Approval: Confirm with your insurance company that they accept defensive driving course completion as a means to reduce insurance points and lower premiums.


Defensive driving courses offer valuable knowledge and skills to drivers, helping them become safer and more responsible on the road. Additionally, completing these courses can lead to a reduction in insurance points and lower insurance premiums for drivers with a history of violations or accidents. While the benefits of defensive driving courses can be significant, drivers should ensure they meet the eligibility criteria and verify with their insurance company that they accept this form of mitigation. By taking proactive steps to enhance their driving skills, drivers can not only become safer on the road but also potentially enjoy cost savings on their auto insurance premiums.