Defensive driving for an insurance discount

Last updated November 10, 2026

Some Texas insurers lower your premium when you complete a driving safety course. Your insurer decides whether you qualify, how much you save and for how long.

Ask your insurer these four things first

• Do you give a discount for a Texas driving safety course?
• How much is it, and how long does it last?
• Does it apply to every driver on my policy?
• Do you accept an online course, and what proof do you need?

Ticket or discount, not both

A course you take to dismiss a ticket is reported for that purpose. Ask your insurer whether the same certificate also counts for a discount before you rely on it.

What you receive

A Texas driving safety certificate comes with a copy for the court and a copy for your insurance company. You send the insurance copy to your insurer yourself.