Mature Driver Improvement Program
Overseen by California Department of Motor Vehicles (DMV), Occupational Licensing
- What it does
Every admitted insurer must give an appropriate percentage reduction in motor vehicle liability insurance premiums to principal operators aged 55 or older who show proof of completing the DMV-approved mature driver improvement course.
What the source says
“every admitted insurer shall provide for an appropriate percentage of reduction in premium rates for motor vehicle liability insurance for principal operators who are 55 years of age or older and who produce proof of successful completion of the mature driver improvement course provided for and approved by the Department of Motor Vehicles”
California Insurance Code section 11628.3, read October 7, 2026
- Who can take it
California's mature driver improvement courses are designed for drivers who are 55 or older, under standards set by the DMV.
What the source says
“The director shall establish standards and develop criteria for the approval of initial and renewal driver improvement courses specifically designed for the safe driving needs of drivers who are 55 years of age or older, which shall be known as mature driver improvement courses.”
California Vehicle Code section 1675, read October 7, 2026
- Course length
The first mature driver improvement course must include at least 400 minutes of instruction.
What the source says
“The initial mature driver improvement course shall include not less than 400 minutes of instruction”
California Vehicle Code section 1675, read October 7, 2026
The renewal course must include at least 240 minutes of instruction.
What the source says
“The renewal mature driver improvement course shall include not less than 240 minutes of instruction.”
California Vehicle Code section 1675, read October 7, 2026
- Taking it online
DMV's course guidelines say a non-classroom course must comply with Vehicle Code section 1675 and cover the topics the guidelines require.
What the source says
“Non-classroom curriculum must comply with the provisions of Vehicle Code Section 1675 and cover the topics required in these guidelines.”
Mature Driver Improvement Course Guidelines (OL 1008) - California DMV, read October 7, 2026
- How often
To keep the reduced premium, the insured driver must complete the course once every three years.
What the source says
“The insured shall enroll in and successfully complete the course described in subdivision (a) once every three years in order to continue to be eligible for an appropriate percentage of reduced premium.”
California Insurance Code section 11628.3, read October 7, 2026
- Certificate
The completion certificate is valid for three years and can be renewed by completing another four-hour course.
What the source says
“Your certificate is valid for three years. You can renew it by completing another four-hour course.”
California Driver's Handbook, Section 13: Seniors and Driving - California DMV, read October 7, 2026
- Who approves it
You can take the course through providers approved by the DMV.
What the source says
“You can take the course through DMV-approved providers.”
California Driver's Handbook, Section 13: Seniors and Driving - California DMV, read October 7, 2026
- Good to know
The insurance reduction does not apply when the course is completed under a court order for a traffic offense.
What the source says
“The percentage of premium rate reduction required by subdivision (a) does not apply in the event the insured enrolls in, and successfully completes, an approved course pursuant to a court order provided for in Section 42005 of the Vehicle Code.”
California Insurance Code section 11628.3, read October 7, 2026
A course provider may charge tuition of no more than $30 for a mature driver improvement course.
What the source says
“A course provider conducting a mature driver improvement course pursuant to Section 1675 may charge a tuition not to exceed thirty dollars ($30).”
California Vehicle Code section 1676, read October 7, 2026