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Good Driver & Defensive Driving Discount

Car Insurance Discounts for Safe & Defensive Drivers

A Good Driving discount and a Defensive Driver discount are two separate ways of thanking you for driving responsibly. The Good Driving discount is automatically applied to recognize customers with good driving behavior over a period of five years, while a Defensive Driver discount is a state-mandated discount applied when you complete a defensive driver course.

We believe the best drivers on the road are the safest drivers, which is why we recognize them accordingly with our Good Driving and Defensive Driver discounts. American Family believes that proactive drivers should be rewarded for their smart habits. Read on to find out if your safe driving habits qualify you for any of the following discounts on your car insurance.

Good Driving Discount

There are drivers, and then there are good drivers. While we could simply say thank you for being safe on the road, we’d like to show our thanks instead. That's why we offer the Good Driving discount, where you can earn a discount on your premium.Our qualifications for a Good Driving discount are simple no accidents, violations or claims within the last 5 years. Sound like you? Congratulations! You may be eligible for a reduced insurance premium, depending on your policy.**

Defensive Driver Discount

Are you over the age of 55 and a resident of a qualifying state? If so, you’ve got an opportunity to study up to save some serious cash. In certain locations, when you complete an approved driver course, you could be eligible for our Defensive Driver discount. And while the price varies from state to state, defensive driving school is a great investment for both your safety and your car insurance premium. We’d call that a win-win.

Who qualifies?

Residents over 55, in the following states, are eligible for a Defensive Driver discount:

  • Colorado
  • Georgia***
  • Idaho
  • Illinois
  • Kansas
  • Minnesota
  • Nevada
  • North Dakota
  • Ohio
  • Oregon
  • Utah
  • Washington

Drivers of the following states are ineligible for the Defensive Driver insurance discounts:

  • Arizona
  • Indiana
  • Iowa
  • Missouri
  • Nebraska
  • South Dakota
  • Wisconsin

How to Start Saving With Good Driving & Defensive Driver Discounts

Our Good Driving discount is designed to do the work for you.

While you focus on the road, we take care of the rest. Simply drive safe and responsibly and we’ll reward you. It’s that easy! Both new and current policyholders are eligible for Good Driving discounts with a clear driving record over the last five years, depending on location and policy.

Defensive Driver discounts are awarded if you’ve completed a defensive driving course and you meet eligibility requirements. Simply provide us with a certificate from a state-approved defensive driving school and you can earn our Defensive Driver discount.

If you would like to find out more about Good Driving or Defensive Driver discounts with us, find an agent or get a quote today.

Find out now if you qualify for other American Family auto discounts!

*Good Driving discounts are based on a variety of factors, including location and policy.

** While the Good Driving discount program isn’t available in Oregon, we provide good driver discounts right into your policy.

*** Residents of any driving age in Georgia are eligible for a Defensive Driver discount provided that certain requirements are met. For Georgia residents under 25, you will need at least 30 hours of classroom training. For drivers over 25, that number is reduced to 6 hours of classroom training.

Discounts may vary by state, property policy form and company underwriting the auto policy. Discounts may not apply to all coverages on an auto or property policy.