Geico Defensive Driving Course Review (2024)
Licensed drivers of all ages can sign up for a Geico driver defensive course online. The Geico defensive driver discount amount averages 10%, but State Farm and Farmers offer bigger discounts. Use this Geico defensive driving course review to compare course requirements and auto insurance discounts.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Sep 11, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Drivers can save 10% with Geico defensive driver discounts. Check out this Geico defensive driving course review to learn where to sign up for classes and get free insurance quotes with our tool above.
While the company doesn’t administer the course, it accepts classes from its approved list online and offers discounts to licensed drivers who receive a certificate of completion. There are many reasons why you should take a defensive driving course, especially to save money on car insurance, but some states also allow you to use the course to remove points from your driver’s license.
Keep reading to learn more about the Geico defensive driving course and how to participate.
- You could save 10% with a defensive driving course discount from Geico
- Complete the Geico free defensive driving course online at your own pace
- Some states charge $15-$25 to take the Geico Insurance defensive driving course
Geico Defensive Driving Course Review
Maybe you had a close call on the road or want all the auto insurance discounts you can get. Regardless of your reason, a defensive driving course can be an excellent way to lower rates and improve your standing with the insurance company.
The Geico driver safety course is an easy way to lower auto insurance rates. The American Safety Council administers the class to any driver who wants to participate, no matter your insurer. Although the council gears classes toward teens or seniors, the course isn’t intended for any specific group. Whatever your age, classes typically cover the same material. Learn more in our Geico auto insurance review.
How to Sign Up for Geico Defensive Driving
You can sign up for the Geico defensive driver course online. Just choose your state from the pull-down menu at geico.com/ddc. While the price varies depending on the website you sign up with, it’s generally less than $30 — a small price to pay for significantly lowering your auto insurance rates.
The course itself is four to six hours long, depending on your state’s requirements, and you can complete it at your own pace. If you work a full-time job, you can split the course into several days to better fit your busy schedule. You have up to 30 days to complete the course once you begin.
You can complete the Geico defensive driver course online using your computer, tablet, or phone. There is a short quiz after each section you must pass to get your discount.
Once you complete the course, Geico receives a notification automatically. Completion of the course provides a defensive driver discount for three years, after which point, you can retake the course to renew the discount. All drivers on your policy can take the course for the most savings.
Geico Defensive Driving Course Answers
We can’t provide you with the actual Geico defensive driving course test answers, but we can prepare you for what to expect in the class.
The Geico driver safety course teaches you how to avoid collisions. Topics covered in the Geico safe driving course include:
- Maintaining a safe driving distance
- Limiting the force of impact
- How to drive in bad weather
- How to correct if you lose control of your car
- Road rage and aggressive driving
- How alcohol and drugs affect driving skills
Safe driving skills are essential. Drivers who understand accident avoidance techniques have lower auto insurance rates and are safer drivers. A defensive driving course allows drivers to brush up on skills that keep them safe and lower auto insurance rates.
Whether you’ve been driving for years or got your license recently, the class offers tips and reminders on driving safely and responsibly.
Removing Points on Your License
Each state determines whether or not a defensive driving course removes points from your license. Although most states accept courses taught by the American Safety Council and the National Safety Council, check with your DMV and read National Safety Council defensive driving course reviews to ensure the Geico course meets state requirements.
Do points affect auto insurance rates? If you have points on your license, it’s recommended to remove them as soon as possible.
While most states automatically remove points every three to five years, your auto insurance rates increase with points. To keep rates low, avoid acquiring points on your driver’s license and take extra classes, such as a defensive driving course, that remove those points from your license.
Learn More: DMV Points vs. Insurance Points Explained
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Geico Defensive Driving Course Discount
Does Geico give a discount for defensive driving courses? Yes, drivers can save up to 10% by taking the defensive driving course online with Geico. However, the savings amount varies by state and insurer.
This table lists the top car insurance companies offering a discount and explains how to get a defensive driving discount with each:
Auto Insurance Companies With Driver's Ed Discounts
Company Requirements Discount
Allstate Complete the teenSMART® driver education program. 10%
American Family Successfully complete a defensive driving course. 5%
Farmers Offer senior driver's ed Discount. Must be at least 65 (55 years in some states). Driver's Education course must be approved by DMV. 15%
Geico Successfully complete an approved course. 10%
State Farm All drivers of vehicles under 21 have to complete a qualifying course. 12%
The Hanover Successfully complete the Hanover SafeTeen Program. 7%
The Hartford Successfully complete a driver training course or defensive driving course. 6%
Travelers Successfully complete an approved course. 9%
USAA Successfully complete an approved course. 11%
How much discount does Geico give for defensive driving courses? The Geico safety course discount averages 10%, which is less than some other companies. In comparison, Farmers offers up to 15% off for taking the Geico defensive driving course for seniors while USAA gives 11% discounts to drivers of any age who complete an approved course.
Compare more Geico vs. USAA auto insurance and Farmers vs. Geico auto insurance.
How to Add the Geico Driver Safety Course Discount to a Policy
Wondering how to add defensive driving to Geico auto insurance? As an existing Geico policyholder, once you complete the course and earn the defensive driving discount, Geico will automatically apply the savings to your policy for three years.
Since the American Safety Council offers the Geico driving safety course, other insurance companies may also accept the course for a discount. If you aren't a Geico customer, you will likely need to forward the course completion certificate to your insurer. Once the company receives proof that you successfully passed, it will apply the discount.Michelle Robbins Licensed Insurance Agent
Whether the Geico driver safety course and which one is accepted depends on your insurer and the state you live in. For example, for the defensive driving course in New Jersey, Geico provides the class through the American Safety Council. Some states use SafetyServe Geico courses while others accept the Geico accident prevention course. Check with your company before signing up to ensure that the one you choose will apply to your policy.
Comparing Geico Auto Insurance Rates
Driving behavior plays a crucial role in determining auto insurance rates, with safe driving habits leading to lower premiums while accidents and speeding tickets can significantly raise Geico insurance rates. Insurance companies assess risk based on various factors, including a driver’s history of accidents and traffic violations.
Drivers with safe driving habits pay the lowest rates. On the other hand, those accidents or speeding tickets pay more for high-risk auto insurance.
DUI Full Coverage Auto Insurance Monthly Rates vs. Clean Record by Provider
| Insurance Company | Clean Record | One DUI |
|---|---|---|
 | $86 | $240 |
 | $160 | $225 |
 | $117 | $176 |
 | $97 | $166 |
 | $139 | $198 |
 | $80 | $132 |
 | $174 | $234 |
 | $115 | $161 |
 | $105 | $186 |
 | $86 | $202 |
 | $112 | $250 |
 | $99 | $239 |
| U.S. Average | $119 | $173 |
Geico raises rates much higher after an accident than other companies. However, drivers who complete driver’s education programs after being involved in accidents, including Geico defensive driving courses, will also benefit from lower rates.
A 10% discount may not seem like much, but any discount, no matter how small, adds up over time. Geico also offers discounts based on the driver, policy, and vehicle, and you may be able to combine the defensive driving discount with others for even more savings.
For example, you may be able to combine defensive driving, continuous coverage, and anti-theft discounts to get even cheaper Geico insurance. Use our guide to get more Geico auto insurance discounts and stack your savings.
Read More:
Geico Defensive Driving Course Review: The Bottom Line
If you sign up for a defensive driving course, Geico will give you a discount of 10%. The Geico five-hour course is self-paced, and drivers have up to 30 days to complete it. At $30 or less for the course, you’ll more than makeup for the cost with the resulting insurance discount.
Safe drivers who work from home or drive less than 10,000 miles per year will save more money signing up for Geico DriveEasy on top of taking a defensive driving course. Find out how much you can save in our Geico DriveEasy review.
You can still benefit from the course even if you aren't a Geico customer since many other insurers besides Geico also accept the class, as it is offered by the American Safety Council. Most auto insurance companies offer between 8% and 15% off in defensive driving discounts. Check with your insurer to see if they accept this course and how much of a discount it offers.Kalyn Johnson Insurance Claims Support & Sr. Adjuster
Whatever your motivation, the Geico defensive driving course helps you become a better driver by teaching safe driving skills, like how to correct if you lose control of your vehicle. Take advantage of a defensive driving course to save money and stay safe on the road. Just remember that many factors affect your auto insurance rates, and your driving record is the most significant.
If you or someone on your policy has a lot of accidents or tickets on their driving record, auto insurance rates will be on the higher end of the scale, even with a defensive driving discount. A defensive driving class can help you avoid costly accidents in the future, but comparing rates online will save you money right now. Enter your ZIP code to get cheap auto insurance quotes from local companies today.
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Frequently Asked Questions
How do I lower my Geico auto insurance rates?
Avoiding claims and speeding tickets, bundling home and auto policies, and signing up for a Geico-approved defensive driving course will lower your insurance rates by 10% or more.
Does Geico accept defensive driving?
Yes, policyholders can earn a Geico defensive driver discount for successfully completing a safe driver course online.
What is the Geico defensive driving course?
The defensive driving course for Geico is an online training program designed to help drivers enhance their driving skills and knowledge. It covers various topics related to defensive driving techniques, safe driving habits, traffic laws, and accident prevention strategies.
Who can take the Geico defensive driving course?
The Geico defensive driving course is available to licensed drivers of all ages, and there is no defensive driving discount age limit. Any driver looking to improve their driving records, lower their insurance rates, or fulfill court-mandated requirements will benefit from taking the class.
Is the Geico online defensive driving course approved by authorities?
Yes, Geico defensive driving courses are approved by state authorities across the United States. For example, the Geico defensive driving course in NJ is approved by the New Jersey Motor Vehicle Commission. Check with your local Department of Motor Vehicles (DMV) or court to confirm if the course is accepted in your area.
How long is the Geico defensive driving course?
The duration of the Geico defensive driving class varies depending on the state and specific requirements. On average, the course can be completed in about 4 to 8 hours. However, Geico allows you to complete the course at your own pace, so you can take breaks and progress at a speed that suits you.
Does Geico give discounts for defensive driving courses?
Yes, many insurance providers, including Geico, offer insurance premium discounts to drivers who complete an approved defensive driving course. You may be eligible for a Geico driving course discount after successfully completing the class online. However, it’s important to check with your provider to determine the specific discount amount and any eligibility requirements.
Is the Geico defensive driving discount worth it?
The Geico discount for a defensive driving course is an easy way to save money on auto insurance, especially for young drivers who have expensive rates.
How much is the Geico defensive driving discount?
Geico defensive driving discount amounts vary based on where you live and your existing driving record. In general, drivers save around 10%.
How much does defensive driving lower Geico insurance rates?
If you pay around $200/mo for insurance, the Geico defensive driving course discount will take about $20 off your rates each month.
How much does the Geico driving course cost?
An online defensive driving course with Geico costs between $10 and $25 depending on your state and any ongoing promotions. Policyholders may be eligible for discounted rates with a Geico defensive driving course promo code. Visit Geico’s official website or contact customer service to get the most up-to-date information on course fees.
Does Florida have a defensive driving course to lower insurance?
Yes, there are defensive driving courses in Florida through Geico for drivers of all ages. Visit geico.ddc.com for more information on the Geico mature driver course in Florida.
Is there a Geico defensive driving course in New York?
Yes, you can sign up for Geico defensive driving course in NY through the American Safety Council or the Geico website. The state’s course is shorter but still meets the requirements of the Geico six-hour course.
Is the Geico drivers safety course difficult to complete?
The Geico defensive driving course is designed to be user-friendly and easy to understand. It uses interactive multimedia elements, including videos, animations, and quizzes, to engage learners. The content is typically straightforward and focuses on practical driving techniques and safety guidelines, making it accessible for most individuals.
Can I take the Geico defensive driving course if I have a busy schedule?
Yes, one of the advantages of the Geico Safe Driver course is its flexibility. Since it’s online, you can access it 24/7 from any device with an internet connection. This allows you to study at your own pace and conveniently fit the course into your schedule.
How can I sign up for defensive driving through Geico?
Visit Geico’s official website and navigate to the defensive driving section at geico.com/ddc. There, you will find information on how to enroll, the course fees, and any other relevant details. Follow the provided instructions to create an account. You’ll be provided with a Geico defensive driving course login, which you will use to make payments and start the course.
Will I receive a certificate after completing the safe motorist course for Geico customers?
Yes, upon successfully completing the Geico defensive driving course, you will typically receive a completion certificate. The certificate can be downloaded or mailed to you, depending on the options provided by Geico. This certificate serves as proof that you have completed an approved defensive
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.