Mature Driver Improvement Course
Basic and Refresher
Overseen by Pennsylvania Department of Transportation (PennDOT), Driver and Vehicle Services
- What it does
Under Pennsylvania law you are entitled to at least a 5% discount on your vehicle insurance if you are 55 or older and successfully complete a PennDOT-approved Basic Mature Driver Improvement Course.
What the source says
“Under Pennsylvania law, you are entitled to at least a 5% discount on your vehicle insurance if you are 55 or older and successfully complete a PennDOT-approved Basic Mature Driver Improvement Course.”
Mature Driver Improvement Course (PennDOT Driver and Vehicle Services), read October 7, 2026
The discount applies to all coverages for policy periods beginning within three years after you complete the course, and it may not be less than 5%.
What the source says
“This discount shall apply to all coverages for all policy periods beginning within the three-year period immediately following the successful completion of the course and shall be approved by the commissioner as part of the insurer's rate filing, provided that such discount shall not be less than 5%.”
Pennsylvania Consolidated Statutes Title 75, section 1799.2, Driver improvement course discounts (Pennsylvania General Assembly), read October 7, 2026
- Who can take it
The insurance discount applies to each vehicle on a policy where all named insureds are 55 or older and have successfully completed an approved course.
What the source says
“shall provide a premium discount for each motor vehicle on a policy under which all named insureds are 55 years of age or older and have successfully completed a motor vehicle driver improvement course meeting the standards of the Department of Transportation.”
Pennsylvania Consolidated Statutes Title 75, section 1799.2, Driver improvement course discounts (Pennsylvania General Assembly), read October 7, 2026
- Taking it online
PennDOT's list of approved course providers includes one that offers its course online only.
What the source says
“Safe 2 Drive (offers online course only) 1-800-763-1297”
Mature Driver Improvement Course Insert (PennDOT PUB 474, 4-26), read October 7, 2026
- How often
To keep the discount you must take an approved course every three years.
What the source says
“Each participant shall take an approved course every three years to continue to be eligible for the discount on insurance.”
Pennsylvania Consolidated Statutes Title 75, section 1799.2, Driver improvement course discounts (Pennsylvania General Assembly), read October 7, 2026
PennDOT says the discount is maintained by completing the Refresher Mature Driver Improvement Course every three years.
What the source says
“In order to maintain the discount, individuals would have to take the Refresher Mature Driver Improvement Course every three years.”
Mature Driver Improvement Course (PennDOT Driver and Vehicle Services), read October 7, 2026
- Certificate
When you complete the approved course, its sponsoring agency issues you a certificate that is the basis for the insurance discount.
What the source says
“Upon successfully completing the approved course, each participant shall be issued, by the course's sponsoring agency, a certificate which shall be the basis of qualification for the discount on insurance.”
Pennsylvania Consolidated Statutes Title 75, section 1799.2, Driver improvement course discounts (Pennsylvania General Assembly), read October 7, 2026
- Who approves it
PennDOT publishes a list of the organizations that offer PennDOT-approved Basic and Refresher courses.
What the source says
“The organizations listed below offer the PennDOT-approved Basic and Refresher Mature Driver Improvement courses.”
Mature Driver Improvement Course (PennDOT Driver and Vehicle Services), read October 7, 2026
- Good to know
The approved courses have no written or practical driving tests.
What the source says
“There are no written or practical driving tests.”
Mature Driver Improvement Course (PennDOT Driver and Vehicle Services), read October 7, 2026
The discount law does not apply when the course is ordered by a court or other government body because of a traffic conviction.
What the source says
“This section shall not apply in the event the approved course is specified by a court or other governmental entity resulting from a conviction of an offense enumerated in section 1535.”
Pennsylvania Consolidated Statutes Title 75, section 1799.2, Driver improvement course discounts (Pennsylvania General Assembly), read October 7, 2026