Accident prevention course for persons 55 and older
Insurance premium reduction
Overseen by Minnesota Department of Public Safety, Driver and Vehicle Services
- What it does
Minnesota law requires an insurer to give a premium reduction of at least ten percent on its private passenger vehicle insurance policies to qualifying insured people aged 55 and older.
What the source says
“An insurer must provide an appropriate premium reduction of at least ten percent on its policies of private passenger vehicle insurance, as defined in section 65B.001, subdivision 2, issued, delivered, or renewed in this state, to insureds 55 years old and older”
Minnesota Statutes 65B.28 | Accident prevention course premium reductions, read October 7, 2026
- Who can take it
The reduction is for insured people aged 55 and older who successfully complete an accident prevention course or refresher course.
What the source says
“to insureds 55 years old and older who successfully complete an accident prevention course or refresher course established under subdivisions 2 and 3.”
Minnesota Statutes 65B.28 | Accident prevention course premium reductions, read October 7, 2026
- Course length
The accident prevention course must be a total of four hours.
What the source says
“(c) The accident prevention course must be a total of four hours.”
Minnesota Statutes 65B.28 | Accident prevention course premium reductions, read October 7, 2026
The refresher course is no more than four hours.
What the source says
“The refresher course shall be no more than four hours, and based on the curriculum established under subdivision 2.”
Minnesota Statutes 65B.28 | Accident prevention course premium reductions, read October 7, 2026
- Taking it online
Minnesota's list of approved accident prevention courses has one column for a four-hour classroom course and one for a four-hour online course.
What the source says
“Four (4) hour classroom course Four (4) hour online course”
Approved accident prevention courses | Minnesota Department of Public Safety, Driver and Vehicle Services, read October 7, 2026
- How often
A person 55 or older may retake the course or take the refresher course every three years to stay eligible for the premium reduction.
What the source says
“A person 55 years old and older may retake the original course or take the refresher course every three years and receive a course completion certificate to remain eligible for the premium reduction in subdivision 1.”
Minnesota Statutes 65B.28 | Accident prevention course premium reductions, read October 7, 2026
- Certificate
The course administrator issues a certificate of completion to each person who satisfactorily completes the course.
What the source says
“The administrator shall issue a certificate of completion to each person who satisfactorily completes the accident prevention course.”
Minnesota Rules, Chapter 7411 | Driver Education, read October 7, 2026
- Who approves it
A person or organization may apply for approval to offer an accident prevention course to insured people aged 55 and older.
What the source says
“A person or organization may apply for approval to offer an accident prevention course to insureds 55 years of age and older.”
Minnesota Rules, Chapter 7411 | Driver Education, read October 7, 2026