Motor vehicle accident prevention course
Safe Driver Insurance Discount Program, drivers 55 and older
Overseen by Illinois Secretary of State, Driver Services Department
- What it does
Illinois law requires auto liability insurance rates to include an appropriate reduction, as determined by the insurer, for an insured person over 55 who completes the National Safety Council's Defensive Driving Course or a motor vehicle crash prevention course, including an eLearning course.
What the source says
“The rates and premium charges for every policy of automobile liability insurance shall include appropriate reductions as determined by the insurer for any insured over age 55 upon successful completion of the National Safety Council's Defensive Driving Course or a motor vehicle crash prevention course, including an eLearning course”
Illinois Insurance Code, 215 ILCS 5/143.29, read October 7, 2026
The discount is valid for 3 years, as long as the driver has no accidents or violations.
What the source says
“The discount is valid for 3 years, as long as you have no accidents or violations.”
Safe Driver Insurance Discount Program | Illinois Secretary of State, read October 7, 2026
- Who can take it
The Safe Driver Insurance Discount Program is open to Illinois residents aged 55 or older.
What the source says
“Open to Illinois residents age 55 or older”
Safe Driver Insurance Discount Program | Illinois Secretary of State, read October 7, 2026
A driver must be free of violations and accidents for at least one year before enrolling.
What the source says
“You must be free of violations and accidents for at least one year before enrolling.”
Safe Driver Insurance Discount Program | Illinois Secretary of State, read October 7, 2026
- Course length
An approved course must provide at least eight hours of in-person classroom instruction or at least four hours of virtual or e-learning instruction.
What the source says
“provide a minimum of eight hours of in-person classroom instruction or a minimum of four hours of virtual or e-learning instruction.”
50 Ill. Adm. Code 8000.20 | Course and Provider Approval, read October 7, 2026
- Taking it online
Drivers enroll in a state-approved online or in-person safety course.
What the source says
“Enroll in a state-approved online or in-person safety course.”
Safe Driver Insurance Discount Program | Illinois Secretary of State, read October 7, 2026
- Certificate
When the provider reports a completion, the Secretary of State issues the driver a letter of completion to present to the insurer.
What the source says
“Upon notification of course completion by the Provider, the Secretary shall issue a letter of completion to the driver that may be presented by the driver to the driver's insurer for the purpose of applying for the liability premium reduction.”
50 Ill. Adm. Code 8000.100 | Records of Certification of Course Completion, read October 7, 2026