Mature driver motor vehicle crash prevention course
Insurance premium reduction for drivers 55 and older
Overseen by Virginia Department of Motor Vehicles (DMV)
- What it does
Only people who voluntarily complete a mature driver crash prevention course approved by DMV qualify, and the reduction lasts three years after the course.
What the source says
“Only those insured persons who have voluntarily and successfully completed a mature driver motor vehicle crash prevention course approved by the Department of Motor Vehicles shall qualify for a three-year period after the completion of the course for the reduction in rates.”
Code of Virginia § 38.2-2217: Reduction in rates for certain persons who attend mature driver motor vehicle crash prevention courses and driver improvement clinics, read October 7, 2026
Drivers who complete a mature operator safety course may qualify for reduced motor vehicle insurance premiums.
What the source says
“Drivers who successfully complete a mature operator safety course may qualify for reduced motor vehicle insurance premiums.”
Virginia DMV: Mature Driver Safety Courses, read October 7, 2026
- Who can take it
Virginia insurers' rates must give an appropriate premium reduction to insured people aged 55 and older who qualify under the law.
What the source says
“shall provide for an appropriate reduction in premium charges for those insured persons who are fifty-five years of age and older and who qualify as provided in this subsection.”
Code of Virginia § 38.2-2217: Reduction in rates for certain persons who attend mature driver motor vehicle crash prevention courses and driver improvement clinics, read October 7, 2026
A person sent to the course by a court is not eligible for the premium reduction.
What the source says
“No person assigned by the court to attend a mature driver motor vehicle crash prevention course shall be eligible for such reduction in premium charges.”
Code of Virginia § 38.2-2217: Reduction in rates for certain persons who attend mature driver motor vehicle crash prevention courses and driver improvement clinics, read October 7, 2026
- Course length
A course must provide at least eight hours of classroom presentation and discussion.
What the source says
“Courses shall provide a minimum of eight hours of classroom presentation and discussion.”
Virginia Administrative Code, 24VAC20-40: Rules and Regulations on Accident Prevention Courses for Older Drivers, read October 7, 2026
- Taking it online
A course sponsor approved by DMV for classroom delivery may also be approved to deliver the same course through a secure online medium approved by DMV.
What the source says
“a course sponsor that has been approved by the Department for the classroom delivery of a mature driver motor vehicle crash prevention course may also be approved to deliver that same substantive course through a secure computer-based medium provided via the Internet or other electronic means that have been approved by the Department”
Code of Virginia § 38.2-2217: Reduction in rates for certain persons who attend mature driver motor vehicle crash prevention courses and driver improvement clinics, read October 7, 2026
Insurers may give the premium reduction to eligible people who complete an approved crash prevention course online.
What the source says
“Such insurers may allow an appropriate reduction in premium charges to all eligible persons upon successfully completing an approved crash prevention course via the Internet or other electronic means subject to the provisions of subsection A.”
Code of Virginia § 38.2-2217: Reduction in rates for certain persons who attend mature driver motor vehicle crash prevention courses and driver improvement clinics, read October 7, 2026
- How often
A participant must take an approved course every three years to stay eligible for the premium reduction.
What the source says
“Each participant in a mature driver motor vehicle crash prevention course shall take an approved course every three years in order to continue to be eligible for the reduction in premium charges.”
Code of Virginia § 38.2-2217: Reduction in rates for certain persons who attend mature driver motor vehicle crash prevention courses and driver improvement clinics, read October 7, 2026
- Who approves it
Mature driver safety courses are approved by DMV.
What the source says
“DMV-approved mature operator's safety courses help drivers understand how aging affects driving abilities.”
Virginia DMV: Mature Driver Safety Courses, read October 7, 2026
- Good to know
No premium reduction is allowed for a self-instructed course or a course without actual classroom instruction for the minimum hours DMV sets.
What the source says
“No reduction in premiums shall be allowed for a self-instructed course or for any course that does not provide actual classroom instruction for a minimum number of hours as determined by the Department of Motor Vehicles.”
Code of Virginia § 38.2-2217: Reduction in rates for certain persons who attend mature driver motor vehicle crash prevention courses and driver improvement clinics, read October 7, 2026
Courses must include one or more written examinations covering all subject areas.
What the source says
“One or more written examinations shall be given to cover all subject areas, with scoring and feedback to reinforce learning.”
Virginia Administrative Code, 24VAC20-40: Rules and Regulations on Accident Prevention Courses for Older Drivers, read October 7, 2026
Drivers cannot earn safe driving points by completing a mature operator's safety course.
What the source says
“However, drivers cannot earn safe driving points by completing a mature operator's safety course.”
Virginia DMV: Mature Driver Safety, read October 7, 2026