Motor vehicle accident prevention course
Premium reduction for drivers 55 and older
- What it does
Alabama law requires insurers to include an appropriate reduction in automobile insurance premiums for a person 55 or older who completes an approved accident prevention course, with certain exceptions.
What the source says
“requires insurers to include an appropriate reduction in automobile insurance premiums for a person 55 years of age or older who completes an approved accident prevention course, with certain exceptions.”
Insurance Bulletin regarding recently enacted laws (Act No. 2000-432) - Alabama Department of Insurance, read October 7, 2026
- Taking it online
As amended in 2012, the law refers to classroom or online hours of instruction.
What the source says
“classroom or online hours of instruction, the instructors for”
HB193 Enrolled, 2012 Regular Session - Alabama Legislature (amending Section 27-13-121), read October 7, 2026
- How often
A participant takes an approved course every three years to stay eligible for the premium reduction.
What the source says
“Each participant shall take an approved course every three years to continue to be eligible for the reduction in premiums provided in this section.”
Insurance Bulletin regarding recently enacted laws (Act No. 2000-432) - Alabama Department of Insurance, read October 7, 2026
- Who approves it
The course must be sponsored by the National Safety Council, the American Automobile Association or the American Association of Retired Persons, or be an equivalent program approved by the Department of Public Safety.
What the source says
“the motor vehicle accident prevention course shall be sponsored by the National Safety Council, the American Automobile Association, or the American Association of Retired Persons or shall be an equivalent program approved by the Department of Public Safety.”
Insurance Bulletin regarding recently enacted laws (Act No. 2000-432) - Alabama Department of Insurance, read October 7, 2026