GEICO Defensive Driving Course

Did you know you can get an insurance discount for a defensive driving course? Learn about the GEICO defensive driving course, how much it saves you, and when it can remove points from your record.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 21, 2022

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Things to Remember

  • You can complete the GEICO defensive driving course from home and at your own pace
  • You could earn up to a 10% insurance discount for a defensive driving course from GEICO
  • Many other insurance companies also offer a discount for taking the defensive driving course from GEICO, and some states remove driver’s license points with the class

Most drivers are always looking for ways to save on car insurance. Auto insurance discounts are an easy way to lower rates, and most insurers offer a defensive driving course discount. The GEICO defensive driving course makes you a safer driver and saves you money at the same time. It teaches essential, safe driving techniques that can help you avoid accidents.

While the company doesn’t administer the course, drivers can save up to 10% with the GEICO safe driver discount. If GEICO turns out not to be the right fit for you, many of the best auto insurance companies also accept the class and offer a discount. Discount amounts vary by insurer and state. 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 why you should participate.

What is the GEICO defensive driving course?

There are many reasons why you should take a defensive driving course. 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 mark on your insurance resume.

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.

You can sign up for the GEICO defensive driver course online. 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.

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. 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.

Once you complete the course, GEICO receives a notification automatically. Completion of the course provides a 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 — not to mention the peace of mind that comes with knowing all of your drivers have learned safe driving skills.

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How much can you save with a GEICO defensive driving discount?

Drivers can save up to 10% by taking the defensive driving course online with GEICO. However, the savings amount varies by state and insurer. The American Safety Council offers the GEICO driving safety course, which means that other insurance companies may also accept the course for a discount.

This table lists the top car insurance companies offering a defensive driver discount and the amount of the savings.

Comparison of Defensive Driving Discounts
CompanyPercentage Discount
Allstate10
American Family10
FarmersN/A
GEICO10
Liberty Mutual10
Nationwide5
Progressive10
State Farm5
Travelers10
USAA3
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Whether the GEICO driver safety course is accepted depends on your insurer. If you don’t have GEICO car insurance, check with your company before signing up for a defensive driving course to ensure that the one you choose will apply to your insurance.

A 10% discount may not seem like much, but any discount, no matter how small, adds up over time. You may also be able to combine the defensive driving discount with others for even more savings. GEICO offers discounts based on the driver, policy, and vehicle. For example, you may be able to combine defensive driving, continuous coverage, and anti-theft discounts to increase your savings.

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, saving you money down the road.

What does the GEICO driver safety course cover?

The GEICO driver safety course teaches you how to avoid collisions. Drivers who understand accident avoidance techniques have lower auto insurance rates and are safer drivers.

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. 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.

Does the GEICO defensive driving course remove points from your driver’s 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 to ensure the GEICO course meets state requirements.

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.

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GEICO Defensive Driving Course: The Bottom Line

Drivers can take the defensive driving course from GEICO online. The class is self-paced, and drivers have up to 30 days to complete it. At $30 or less for the course, you’ll more than make up for the cost with the resulting insurance discount.

In addition, many other insurers besides GEICO also accept the class, as it is offered by the American Safety Council. You can still benefit from the course, even if you aren’t a GEICO customer. Many auto insurance companies offer up to a 10% defensive driving discount. Check with your insurer to see if they accept this course and how much of a discount they offer.

Some states also allow you to use the course to remove points from your driving record. However, it varies by state, so check with your DMV.

Whatever your motivation, the GEICO defensive driving course also helps you become a better driver. The course teaches drivers 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.

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