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driver discounts

Above and beyond the low rates enjoyed by safe drivers, there are car insurance discounts that are designed to reward drivers for good behavior. We'll explain (in dollar-saving detail) our driver discounts.

Who you are affects your premium

When it comes to the cost of your premium, one of the biggest variables falls totally within your control: how you drive. Few things distinguish you as a responsible customer in your insurer's eyes like taking extra care behind the wheel. For that reason, creating a track record of smart, cautious driving is the best way to ensure lower car insurance rates and extra discounts.

How your driving can help you save

Your driving record is a major factor in determining what you pay for car insurance. These discounts are designed to reward our best drivers.


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Defensive Driver discount

Where is it offered?

  • Alabama
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Kansas
  • Kentucky
  • Michigan
  • Minnesota
  • Mississippi
  • New Jersey
  • Nevada
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Utah
  • Virginia
  • Washington

How do I get it?

Sometimes called a Mature Driver, Driver Improvement, or Accident Prevention Course discount, this perk usually applies to older drivers (age 50, 55, or 60 and older, depending on where you live) who have completed a defensive driving or driver improvement class approved by their state's DMV.

The discount won't apply if you're taking the course as part of a court order. It can also be canceled in many states if, after receiving it, you have an at-fault accident or major moving violation.

In 4 states — New York, New Jersey, Georgia, and Oklahoma — the discount is not age-based and is available to all drivers. And in South Carolina, the age requirement is 25.

How much do I save?

Up to 10 percent off certain coverages, which vary by state. In many states, the discount is good for 3 years after you complete your driver safety course.


road

Good Driver discount

Where is it offered?

  • California

How do I get it?

Hold a valid drivers license for at least 3 years with one or zero penalty points on your driving record.

How much do I save?

Thirty to 40 percent off your premium.


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Good Student discount

Where is it offered?

  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Idaho
  • Iowa
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Nebraska
  • New Jersey
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin

How do I get it?

By being a full-time high school, college, or university student under 25 years old with at least a 3.0 GPA (or a "B" average, if your scale is different). At Esurance, we believe when your mind stays sharp, your driving skills tend to follow.

You're typically eligible for the discount while enrolled as a student and up to one year afterward.

How much do I save?

Up to 10 percent on liability, collision, and medical payments coverages. Other discounted coverages vary by state.

Driven to save?

Do you see one or more of your own safe-driving traits listed above? Then start cashing in by getting your free Esurance quote today.

If you're already an Esurance policyholder and have questions about your discounts, call us anytime at 1-800-ESURANCE (1-800-378-7262).

Related links

Policy discounts
From starting a quote online to paying your bill all at once, see the many ways you can cut your premium while off the road.

Vehicle discounts
How you drive matters — and so does what you drive. See what discounts your ride can get you.

Discounts subject to eligibility. Coverages may vary between and are not available in all states. Terms, conditions, and exclusions may apply.

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