Mature Driver (Senior Citizen) Discount Insurance course
Overseen by Florida Department of Highway Safety and Motor Vehicles (FLHSMV)
- What it does
The premium reduction lasts for 3 years after the course is completed, though the insurer may set conditions for keeping it.
What the source says
“(2) The premium reduction required by this section shall be effective for an insured for a 3-year period after successful completion of the approved course, except that the insurer may require, as a condition of maintaining the discount, that the insured:”
Section 627.0652, Florida Statutes (2026): Insurance discounts for certain persons completing safety course, read October 7, 2026
The amount of the discount is decided by each insurance company.
What the source says
“The amount of the discount is at the discretion of each insurance company and will typically last for three years as long as the driver:”
FLHSMV: Mature Driver Discount Insurance Courses, read October 7, 2026
- Who can take it
Florida law requires insurers' rates to give an appropriate premium reduction when the vehicle's main driver is an insured aged 55 or older who has completed a motor vehicle accident prevention course approved by the Department.
What the source says
“shall provide for an appropriate reduction in premium charges as to such coverages when the principal operator on the covered vehicle is an insured 55 years of age or older who has successfully completed a motor vehicle accident prevention course approved by the Department of Highway Safety and Motor Vehicles”
Section 627.0652, Florida Statutes (2026): Insurance discounts for certain persons completing safety course, read October 7, 2026
- Course length
The Department sets the minimum number of hours needed to complete a course.
What the source says
“The Department of Highway Safety and Motor Vehicles shall establish the minimum number of hours necessary for completion of a course.”
Section 627.0652, Florida Statutes (2026): Insurance discounts for certain persons completing safety course, read October 7, 2026
- Certificate
The organization offering the course gives each person who completes it a certificate to use to qualify for the premium discount.
What the source says
“(4) The organization offering the course shall, upon a person’s successful completion of the course, issue the person a certificate that the person may use to qualify for the premium discount required by this section.”
Section 627.0652, Florida Statutes (2026): Insurance discounts for certain persons completing safety course, read October 7, 2026
- Who approves it
The Department of Highway Safety and Motor Vehicles approves the courses that qualify.
What the source says
“(3) The Department of Highway Safety and Motor Vehicles shall approve motor vehicle accident prevention courses for the purposes of this section.”
Section 627.0652, Florida Statutes (2026): Insurance discounts for certain persons completing safety course, read October 7, 2026
- Good to know
An approved course must require each person to pass a written test on the content of the course.
What the source says
“A course approved by the Department of Highway Safety and Motor Vehicles shall require each person completing the course to pass a written test given by the course evaluating the person’s knowledge of the content of the course.”
Section 627.0652, Florida Statutes (2026): Insurance discounts for certain persons completing safety course, read October 7, 2026
The discount law does not apply when the course is taken as a punishment ordered by a court or other government body for a moving traffic violation.
What the source says
“(5) This section does not apply if the approved course is taken as punishment specified by a court or other governmental entity resulting from a moving traffic violation.”
Section 627.0652, Florida Statutes (2026): Insurance discounts for certain persons completing safety course, read October 7, 2026