Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 14, 2022

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In a nutshell...

  • There are several ways to take drivers education courses
  • Completing defensive driving courses may help you earn a discount on your monthly insurance rates
  • It’s always a good idea for young drivers to take additional driving courses

Driving school or what is better known as driver’s education is a class or program that some states require teen drivers to participate in.

These classes prepare drivers for their learner’s permit and/or driver’s license.

Many car insurance companies look favorably on customers who undergo driving school. They see this as a way to encourage better driving, which in turn makes a person less of a risk to insure.

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How do I take a driving school course?

There are several ways to take driver’s education. Some take place in a vehicle, some in a classroom, others are done online and some are a combination of all or some of the above.

What driving school focuses on are topics such as traffic codes, laws, and vehicle operation. The instruction includes warnings of conditions that are dangerous to drivers.

Some of these conditions are poor road conditions, hazardous weather, and potential driver impairments.

The lessons include advice on how to use proper driving strategies when these problems arise. The potential consequences are also addressed if drivers don’t follow these warnings or rules of the road.

Many states offer online courses for driver’s education.

With the availability of online programs, parents are in charge of teaching their children the actual driving part of the education.

Before receiving either a learner’s permit or driver’s license, most have to complete some sort of education course for driving. After they’ve completed the course successfully, they are able to apply for a learner’s permit and then a driver’s permit.

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Can I get a waiver from having to attend driving school?

In some states with mandatory driving schools, it sometimes is possible to get a waiver for attending what would be considered a duplicate mandatory class.

These states allow students who have taken a driver’s education class to apply for and receive a waiver.

This waiver then allows them to receive their learner’s permit or driver’s license without taking some of the mandatory tests.

Will driving school lower car insurance rates only for new drivers?

It’s best to consult with your car insurance company to see exactly how much attending driving school will lower your car insurance rates. If you do not have car insurance, it’s a good idea to see how much driver education will affect your premium with each insurance company you research.

Young drivers who have just received their driver’s license tend to have higher rates when it comes to car insurance and attending driving school can often lessen the cost of such high insurance.

Statistical analysis has shown that driver’s education classes reduce the rate of accidents involving young drivers.

A driving school does not just potentially lower rates for new drivers. Many adults can also benefit from taking driving classes, both to improve skills and lower rates with a possible discount on auto insurance.

Some states and counties also provide incentives to keep your record clean if you take classes. While this might not affect your rates directly, it could affect them indirectly when seeking a better insurance rate.

A clean driving record is one of the best ways to keep your car insurance premiums low.

For those who have a clean record and still want to lower their car insurances premiums, some states do offer education courses that could potentially help. These programs are voluntary and provide additional education on car performance and automobile safety.

The best way to find these programs is to consult with your local motor vehicle department and your insurance company.

What are some other factors that contribute to lower car insurance premiums?

For young drivers who are new to the road, going to driving school is a good idea. For those young adults who are looking for more discounts, many car insurance companies extend discounts to student drivers with grades of a B or better.

Your driving habits can also influence how high or low your car insurance premiums are. For those who don’t drive much, there are auto insurance discounts called low-mileage discounts.

This is usually available for individuals who drive less than 12,000 miles during the course of a year.

While the amount of miles required for this discount varies, the average is about 6,000 miles during any given year. Car insurance companies will check your odometer on a yearly basis to see if you qualify for this discount.

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What are the best car insurance discounts?


One of the best discounts out there is a safe driving discount that is based on your driving record. For those with an impeccable record, they receive much less in the way of costly premiums.

Driver’s can also receive discounts by parking in a garage or having safety features installed on the vehicle such as airbags, anti-lock brakes, and electronic seatbelts. Some insurance companies will give discounts to those customers who have anti-theft devices.

While there is no discount specifically for those who have great credit, those with bad credit are charged more for car insurance premiums. By having a good credit score, you indirectly save money on your car insurance.

There is no doubt car insurance can be expensive but attending driving school, understanding what discounts are available, choosing a safe vehicle, maintaining a good credit score, and keeping a clean driving record can all add up to extensive discounts on your auto insurance premiums.

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