According to the Pension Rights Center, in 2021, nearly 56 million Americans were 65 and older — and half of them had less than $27,382 in yearly income from all sources. Many of today’s older Americans struggle to earn enough for a comfortable retirement, which is why it’s more important than even to know about all the ways seniors can save money.
If you use Farmers for your auto insurance, you could qualify for a mature driver discount and save at least $100 on your premiums — guaranteed. Read on for all the details.
What Is the Farmers Mature Driver Discount?
The Farmers Mature Driver Discount is a discount program offered by Farmers Insurance to reward senior drivers for their experience behind the wheel by discounting their auto insurance premiums. The decades of experience that mature drivers often have on the roads help them contribute to a safer driving environment for everyone, so programs like this help make auto insurance more affordable for older drivers.
What Are the Requirements for the Farmers Mature Driver Discount?
To qualify for the Farmers mature driver discount, drivers need to be 55-65 years old (depending on the state where they live), have a clean driving record, and have completed a DMV-approved defensive driving course within the last three years. Check with your Farmers Insurance agent or office for the exact age requirements in your state.
What Are the Requirements for the Farmers Mature Driver Discount in California?
To take advantage of the Farmers 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 Farmers insurance policy on at least one vehicle.
- Complete and pass a DMV-approved defensive driving course at least once every three years (more on that below).
How to Get the Farmers Mature Driver Discount
Ready to start saving on your Farmers insurance policy? Here’s how to qualify for and obtain the discount from Farmers Insurance, step-by-step.
1. Make sure you’re eligible for the mature driver discount. Check the list above and ensure you meet all the criteria. The requirements will vary by state, so if you live somewhere other than California, you may want to call your Farmers agent or insurance office to find out their specific requirements to qualify for the discount.
2. Sign up for a California DMV-approved mature driver course — also sometimes called a defensive driving course. These courses are designed to help you refresh your driving skills and adapt to age-related changes, like natural decline in your vision, hearing, and reaction time. At Traffic Safety Institute, we offer a mature driver course that’s approved by the California DMV in all counties and accepted by every major insurance carrier in the state, including Farmers. Plus, we’re the only traffic school that guarantees you’ll save at least $100 on your auto insurance premiums with our mature driver course.
3. Complete the course and receive your insurance discount certificate. You’ll need to present the certificate to your Farmers Insurance agent to get your discount. At Traffic Safety Institute, you receive your auto insurance discount certificate as soon as you complete the course and pass the final exam.
4. Submit your insurance discount certificate to your Farmers Insurance office or agent. They’ll apply the mature driver discount to your policy so you can start saving on your auto insurance premiums.
FAQ About the Farmers Mature Driver Discount
Still have more questions about the mature driver discount? Below are some of the most frequently asked questions about getting the discount — in general, or specifically from Farmers Insurance.
1. What’s the Farmers Mature Driver Discount Age?
At Farmers Insurance, the age to qualify is either 55 or 65, depending on the state where you live. In California, you have to be at least 55 years old to qualify. 99% of California drivers 55 and older are eligible for the program.
2. How Long Is the Farmers Mature Driver Discount Valid?
When you take a defensive driving course and qualify for a mature driver discount, your first insurance discount certificate stays valid for three years. Then, you need to take a renewal course. It’s similar to the defensive driving course you took to get the first certificate, but it’s shorter — it’ll just help you refresh your memory on what you learned.
If you want to keep your discount, you’ll need to take the renewal course every three years to get a new discount certificate to send to your Farmers Insurance broker.
3. How Much Can You Save With the Farmers Mature Driver Discount?
Discounts for drivers who take advantage of mature driver discounts can vary by state and by auto insurance company. They’re also often at the discretion of individual insurance brokers and providers, so it’s always a good idea to check with your insurance agent for details on exactly how much you can expect to save.
However, in California, Farmers offers a steeper discount than many other insurance carriers, at 10-15% for most drivers who qualify and submit an insurance discount certificate after completing a mature driver course.
Considering the average cost of an auto insurance premium in California is $2,291 per year, a 15% discount over three years would net you a savings of $1,030.95 in total. And that’s after taking a defensive driving course just one time, before even having to renew your insurance discount certificate.
When you take your mature driver course with Traffic Safety Institute, we guarantee a savings of at least $100 — but you can see how easy it is to save much more than that, especially if you use Farmers Insurance for your auto coverage.
4. How Long Is the Mature Driver Course?
The California DMV-approved course contains 13 modules of easy-to-follow course materials. The DMV requires 400 minutes of classroom instruction if you take the course in person (or 240 minutes for the refresher course).
But when you take your mature driver course online (like through Traffic Safety Institute) you can complete it from the comfort of your own home, at your own pace. You can take as long as you’d like to finish — though many students complete the online course in just one sitting.
5. How Do You Get the Farmers Mature Driver Discount?
First, make sure you meet the eligibility requirements for your state. Then, complete and pass a DMV-approved defensive driving course to obtain an insurance discount certificate. Present your discount certificate to your auto insurance agent or broker and they’ll apply a mature driver discount to your insurance premiums. The discount is valid for three years, but you can extend it by taking a refresher course.
Sign Up for Your Mature Driver Course for Free with Traffic Safety Institute
When you choose to take a mature driver course online, you have a lot of options. Many schools offer courses that are DMV-approved, usually from $40 to $70 per course. But most of them also charge hidden fees for obtaining your insurance discount certificate once you pass.
At Traffic Safety Institute, there are no hidden fees. For $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 mature driver course is accepted by every major insurance carrier (like AAA or State Farm) in California — not just Farmers Insurance — so if you ever switch insurers, you’ll still get a discount.
Ready to start saving? You can sign up and start your course today, no credit card required. At Traffic Safety Institute, you’re guaranteed to pass, so you don’t have to pay until you do.
Start saving — sign up for your mature driver course today.
