Most people know that auto insurance premiums are more expensive for younger drivers, in their teens and early 20s, because they’re statistically more likely to get in accidents than older, more experienced drivers. But did you know that your premiums also increase again once you get older — typically in your 50s, 60s, or 70s — because age-related changes like declining vision can make you riskier to insure?
Luckily, there are ways for older drivers to offset increases in their insurance costs. Mature driver discounts exist for most auto insurance carriers in many states. If you live in California and get your auto insurance from Geico, you may qualify for the Geico mature driver discount. Want to learn more? Let’s dive in.
What Is the Geico Mature Driver Discount?
The Geico mature driver discount is a program offered by Geico, an auto insurance company, for older drivers. The program recognizes that older drivers bring wisdom and experience with them when they get behind the wheel, and seeks to reward them with discounts on their insurance policies.
What Are the Requirements for the Geico Mature Driver Discount?
Typically, the program offers a discount to drivers who meet certain eligibility requirements, which can vary by state, but generally include meeting an age threshold, having a clean driving record, having Geico insurance, and having a valid driver’s license in a state where mature driver discounts are allowed.
The exact details, savings, and qualifications vary, so if you’re interested in a mature driver discount or want to know more specifics, reach out directly to your Geico agent or broker for more details.
What Are the Requirements for the Geico Mature Driver Discount in California?
To qualify for the Geico mature driver discount in California, you must:
- Be at least 55 years old.
- Have a valid California driver’s license.
- Maintain a clean driving record.
- Have a Geico insurance policy on at least one vehicle.
How to Get the Geico Mature Driver Discount
Ready to start saving? Here’s how to qualify for and obtain the Geico mature driver discount in just four steps.
1. Make sure you meet all the criteria to be eligible for the program. To get the mature driver discount in California, you need to be at least 55 years old, have a valid California driver’s license, a clean driving record, and a Geico insurance policy on at least one vehicle.
2. Sign up for a California DMV-approved mature driver course. These courses are sometimes also called defensive driver courses. They’re designed to help you refresh your driving skills after many years of experience on the road, as well as adapt to age-related changes, like declines in your vision and hearing and changes in your cognitive and motor skills. At Traffic Safety Institute, we offer an online mature driver course that’s approved by the California DMV and accepted by all major insurance carriers, including Geico.
3. Complete and pass the course and obtain your insurance discount certificate. Since the mature driver course at Traffic Safety Institute is all online, you can complete it at your own pace. Once you finish the course, pass the final exam. and pay your course fee, you’ll present your insurance discount certificate to your Geico insurance agent or broker to receive your discount.
4. Enjoy savings on your auto insurance. The insurance discount certificate you present to your insurance agent will be automatically applied to your Geico auto insurance policy, so you can start saving money right away.
FAQ About the Geico Mature Driver Discount
Still have questions about the Geico mature driver discount? You’re in the right place. Below are some of the most frequently asked questions about the defensive driving course, the discount, how much you can save, and more.
What’s the Geico Mature Driver Discount Age?
In most states, you need to be at least 50 years old to qualify for a mature driver discount, though the exact age varies by state. In California, you need to be at least 55. Here’s the good news: 99% of California drivers ages 55 and older are eligible for the discount.
How Long Is the Geico Mature Driver Discount Valid?
Once you receive your first insurance discount certificate, it’s valid for a total of three years. After that, if you want to keep your mature driver discount, you’ll need to take a renewal course. This is similar to the mature driver course, but a bit shorter, meant to refresh your skills and memory from what you learned in the initial course.
You can then keep taking renewal courses every three years to keep your mature driver discount indefinitely, as long as you continue to meet all the other eligibility criteria for the program.
How Much Can You Save With the Geico Mature Driver Discount?
The discounts senior drivers can receive for taking part in mature driver programs vary by state and insurance company. Exact discount amounts can even vary by individual insurance office, agent, or broker. It’s a good idea to call your insurance carrier to ask them about the specific discount they offer before starting the process, so you know exactly how much you can save.
The average discount amount for Geico customers in California who qualify for the mature driver discount and submit an insurance discount certificate to their insurer is 5% off their auto insurance premiums.
In California, studies show that the average cost of auto insurance premiums is $2,291 per year. At that cost, a 5% discount would be $343.65 in total savings over the three years that the mature driver discount is valid. And that’s just for your first insurance discount certificate — don’t forget that you can then take a renewal course and keep saving indefinitely.
When you take your mature driver discount course with Traffic Safety Institute, we’re the only online school that guarantees you’ll save at least $100 on your car insurance — but you can see how easy it is to save much more than that.
How Long Is the Mature Driver Course?
The course contains 13 total modules. Each one has easy-to-follow materials.
When you take the mature driver course in person, the California DMV requires you to attend 400 minutes of classroom instruction for the initial course, and 240 minutes for the renewal course.
But when you take the course online, like through Traffic Safety Institute, you can go at your own pace. The course is designed to be equivalent to the classroom version, but you get to take it from the comfort of your own home (or anywhere else with an internet connection) from any internet-connected device. You can take as much time as you need — though many people choose to conveniently finish the course in just one sitting.
How Do You Get the Geico Mature Driver Discount?
If you meet the eligibility criteria for the mature driver discount program in California, sign up for a DMV-approved defensive driving course. Complete and pass the course to obtain your insurance discount certificate, then present your certificate to your Geico insurance agent or broker. They’ll apply the discount to your auto insurance premiums for the next three years.
Sign Up for Your Mature Driver Course for Free with Traffic Safety Institute
When you’re looking for a mature driver course — especially an online course — you have a lot of options. Most online mature driver courses cost anywhere from $40 to $70 — but that doesn’t include the extra hidden fees you’ll end up paying along the way. Some courses even charge you an extra fee just to get your insurance discount certificate after you finish the course!
That’s not the case at Traffic Safety Institute. Our entire, DMV-approved course is one of the most affordable in California. There are no hidden fees, guaranteed, and for just $24.99, you get:
- DMV-approved course
- Guaranteed to pass
- Electronic certificate copy
- Free and fast shipping for your physical certificate copy
- 24/7 live chat support
- Audio read along
- $100 insurance savings guarantee
Our course is accepted by all major auto insurance carriers in California — not just Geico — so if you ever change your insurance, you can keep your discount.
Ready to start saving money on your car insurance? You can start your mature driver course with Traffic Safety Institute today — no credit card required. You don’t have to pay until after you pass.
Start saving money on your Geico car insurance. Sign up for a Mature Driver Course today and get started for free.
