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Some Things to Know About the Cost of Defensive Driving
Finding the best defensive driving courses isn’t easy, given the many options on the market. The differences in price add to the confusion, making it even harder to choose a school that meets your needs.
A good starting point is to look for state-approved programs. This will ensure you qualify for ticket dismissal, insurance savings, or other perks.
Here are some cost-related aspects to consider when comparing defensive driving courses.
Costs Vary by State
Defensive driving classes can vary in price by up to $100, depending on the state. (See How Much Does the Defensive Driving Course Cost?)
For instance, Alabama schools charge as much as $125 for a four-hour course and $150 for eight-hour courses. By comparison, Delaware drivers pay as little as $10 to $35 for a standard six-hour course.
Some States Have Limits on Costs
States require course providers to charge a minimum or maximum price for defensive driver training.
A good example is Texas, where the lowest price allowed is $25. Michigan, on the other hand, lets course providers set their own fees, but they may not charge more than $100.
Defensive Driver Training Pays for Itself
In most states, taking defensive driving courses can lead to discounts of 5-10%. This could lower your rates by hundreds of dollars per year. The discount is valid for two or three years, depending on the provider.
Basically, you’ll get back whatever you paid for defensive driving classes.
For example, our Texas defensive driving course costs $31 and can save you up to 10% on auto insurance for three consecutive years.
Let’s do the math: If the average annual cost of full coverage insurance is $3,580, taking our course could save up to $358 per year. That’s $1,074 over three years!
Some insurance providers will reduce your premiums by only 2%. Even so, you’ll still save $71 per year, or $213 over the three years.
The Course Fees Are Lower Than What You’d Pay in Fines
Defensive driving courses teach you to anticipate potential hazards, adjust your speed based on the road conditions, minimize distractions, and more. Mastering these techniques can help you avoid traffic tickets and the associated fines.
The cost of defensive driving classes is lower than what you’d pay for a traffic ticket. Depending on the state, the course may also help you dismiss a ticket or remove points from your license. This will prevent your insurance rates from going up after a traffic violation, resulting in further savings.
For instance, a speeding ticket in Texas carries fines of $146 to $500 or more. Plus, it can raise your insurance premiums by up to 29% per year for three consecutive years.
If you are eligible for defensive driving courses in Texas, you can take our course to get the ticket dismissed. By doing so, you’ll maintain a clean driving record and keep your premiums from increasing.
What You’ll Pay Depends on the Course Provider
Defensive driving classes are offered by state agencies, insurance carriers, universities and community colleges, driving schools, and private organizations. This aspect alone influences their cost.
For example, universities and state agencies often charge more than driving schools, but there are cases where the former provide these courses for free.
Say you live in North Carolina. You could sign up with a traffic school and pay $25-$30 for defensive driving classes or complete training at Johnston Community College and pay a minimum fee of $75.
So, why this difference?
A possible explanation is that community colleges have higher administrative costs than the average traffic school. Plus, they may offer in-person instruction, which increases their operating expenses.
Shorter Courses Cost Less
In some states, drivers can opt for courses of different durations, depending on whether they want to dismiss a ticket or lower their insurance premiums. Longer courses often cost more due to the increased instructional time and additional learning materials.
Let’s assume you’re based in Maine. Most insurers will give you a discount for taking a one-hour defensive driving course. The court, on the other hand, may ask you to complete a six-hour course to remove three points from your record.
Online Classes Are Often Cheaper
Online defensive driving courses are often cheaper than in-person instruction. The schools offering them have lower administrative and operating costs, and can pass those savings on to students.
For example, we provide online traffic safety courses in Nevada. These cover defensive driving techniques and other relevant topics, helping students qualify for a three-point reduction. Our five-hour course costs only $21.99 — though other schools charge as much as $40-$50.
By comparison, in-person traffic safety classes cost up to $180 or more. Plus, they don’t offer the same flexibility and convenience as online courses.
Some Courses Are Better Than Others
While it’s possible to find free or low-cost defensive driving classes, they may not help you much.
A $5 course is unlikely to be certified by your state’s DMV, meaning you can’t use it to meet a court order. Plus, most insurance companies only accept state-approved courses.
However, there are plenty of options that check all the right boxes without breaking the bank.
At Traffic Safety Institute, our online courses are licensed by relevant state regulatory bodies and approved by all courts. What’s more, they are accepted by all major insurance providers and can help you save hundreds of dollars a year.
Our flat fee covers the learning materials, same-day submission to the DMV, and other perks, such as 24/7 live chat.
Defensive Driving at Traffic Safety Institute
Most courts allow drivers to take defensive driving courses for ticket dismissal or point reduction. In some states, these classes are called traffic safety classes, driver improvement clinics, or driver safety courses.
Our courses focus on defensive driving strategies, but you’ll also learn other useful things like:
- Factors that impact driving performance
- Traffic laws and regulations
- Distracted driving prevention
- Alcohol and traffic safety
- Safe driving practices and habits
For example, we’ll teach you how to spot and deal with reckless drivers, manage distractions, avoid road hazards, and get the most out of your car’s safety features. Our curriculum goes beyond defensive driving.
But why choose Traffic Safety Institute?
One reason is that you can take our courses for free and pay only after you pass. Our flat fee covers the course cost and other services, including:
- Unlimited retakes
- Electronic certificate copy
- Same-day submission to the DMV or TDLR (depending on the state)
- 24/7 customer support
- Free audio read-along
Other traffic schools charge extra for these services or bill you for stuff you don’t need. It’s not uncommon to sign up for a $15 driver safety course and end up paying $40-$50 or even more.
Need one more reason to join? You can complete our courses online from any device and study at your own pace. If you feel like taking a break, the system will automatically save your progress.
But don’t just take our word for it.
Check out the thousands of reviews we’ve received from drivers. Most students find our courses helpful and easy to understand, which reflects our commitment to providing a seamless learning experience.
Don’t wait until it’s too late. Use our defensive driving promo code to get $1 off the course fee.
FAQs about Defensive Driving Promo Codes
Want to know about defensive driver training? Below are the answers to some frequently asked questions.
Is there a free defensive driving course?
Some private organizations offer free defensive driver classes, but these may not be officially recognized or available to all drivers.
For example, the North Dakota Insurance Reserve Fund has a free online course for corporate clients. The course appears to be officially recognized, but you cannot access it unless your employer signs you up.
What is the defensive driver discount?
The defensive driver discount is a reduction in auto insurance premiums for completing a defensive driving course. It varies between 5% and 20% and remains in effect for two or three years, after which you may retake the course to renew it.
Is defensive driving worth it?
Yes, it is. Defensive driving can improve your safety on the road, leading to a lower risk of accidents. Plus, it makes it easier to keep your car in top shape and avoid costly repairs due to hard braking, rapid acceleration, tailgating, and other bad driving habits.
What’s more, defensive driver training may lower your insurance rates or help you dismiss a traffic citation. Depending on the state, it can also help reduce or mask the points on your record.
How long does it take to finish a defensive driving course?
Defensive driving courses take four to eight hours, depending on the school and your state’s requirements.
For instance, Texas law requires six hours of training. The same goes for Maine, New Mexico, Oklahoma, and other states. Colorado, on the other hand, has a minimum eight-hour requirement.
