Texas drivers who complete a TDLR-approved defensive driving course qualify for an auto insurance discount of 5–10% for three years. The course is online, runs about 6 hours, and costs $25–$45.
How to claim the discount
- Choose a TDLR-approved provider (idrivesafely, aceable, etc.)
- Complete the 6-hour course online
- Submit the certificate to your carrier
- Discount applies at next renewal and lasts 3 years
This discount can also dismiss one traffic ticket and keep it off your driving record — double benefit.
Frequently asked questions
Does defensive driving lower my insurance in Texas?
Yes — typically 5–10% for three years.
How long is the course?
Six hours, available online.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.