Yes. GEICO’s discounts page lists both a “Defensive Driving” discount and a “Driver Training Course” discount, though it publishes no percentage for either one. GEICO ties both to completing an approved course, and any age requirement usually comes from your state’s law, not from GEICO itself.
If your GEICO auto insurance premium feels high, don’t count on this course discount alone to fix it, since GEICO doesn’t publish how much it saves. It’s still worth doing if a state-mandated version applies to you, because in some states the reduction is required by law, not optional for the insurer.
Key Takeaways
- GEICO names two related discounts, “Defensive Driving” and “Driver Training Course,” both marked “Varies” with no published percentage.
- GEICO’s discounts page describes the eligible group as “a senior or over 55,” while its separate seniors page says “a senior or over 50.” Neither number is a guaranteed GEICO-wide rule.
- Florida law requires insurers to reduce premiums for drivers 55 and older who complete an approved course. New York requires the same reduction for a completer of any age.
- Ask GEICO for its list of approved courses before you pay for one, since not every driving course qualifies.
What GEICO Actually Offers
GEICO’s discounts page lists “Defensive Driving” and “Driver Training Course” as two separate entries, both under a “Driver’s Education” category and both marked “Varies.” The description covering both reads: “If you are a senior or over 55, you may qualify for discounts by voluntarily completing an approved driver’s education course.” No percentage or dollar figure is attached to either entry.
Why the Age Requirement Isn’t One Number
GEICO’s own pages don’t agree with each other. The discounts page says “senior or over 55.” GEICO’s dedicated page for senior drivers says “a senior or over 50” instead. Treat both as GEICO’s general framing, not a strict eligibility rule, because the number that actually controls your discount is set by your state, not by GEICO.
| State | Minimum Age | What the Law Requires |
|---|---|---|
| Florida | 55 or older | Insurers must reduce premiums for 3 years after an approved course |
| New York | No minimum age | Insurers must reduce premiums for 3 years after an approved course, for any insured |
Florida law sets the 55-and-older threshold and lets each insurer set the exact discount amount. New York’s Insurance Law, as explained by the state’s Department of Financial Services, requires the same style of reduction for a completer of any age. Your own state may set a different age or no mandate at all, so check your state department of insurance or ask GEICO directly rather than assuming either example applies to you.
How to Actually Get the Discount
- Check your state’s rule first. Search your state department of insurance or DMV site for driver improvement or defensive driving discount requirements, since the age and course-approval process are set at the state level, not by GEICO.
- Find an approved course. GEICO requires the course to be one it approves, so ask GEICO or your state’s site for a list before you pay for one.
- Send GEICO your completion certificate. GEICO doesn’t spell out one exact submission method, so ask your agent or use your online account or the GEICO Mobile app, and keep a copy for yourself.
- Ask about everything else at the same time. Mention your driving record and any other discounts you might qualify for, like GEICO’s safe driver discount, so GEICO can check more than just the one course.
If the Course Discount Alone Isn’t Enough
Since GEICO doesn’t publish a percentage for either driver’s education discount, don’t expect it to move your premium by much on its own. Our guide to lowering your GEICO car insurance covers the discounts and adjustments that GEICO documents in more detail, which is a better place to look for a bigger overall reduction.