Did you know insurance companies in New York provide significant discounts to safe drivers? You can save money on your insurance without changing your provider. Take control of your insurance costs by completing our NYS DMV-approved New York defensive driving course.

New York's Internet Point and Insurance Reduction Program (IPIRP) is an online course that provides a mandatory 10% insurance discount for three years. And when your reduced rate expires, you can take the course again to extend your savings.

The defensive driving discount is applied to the base rate of your current liability, no-fault and collision insurance premiums. It takes no time for the savings to add up. In addition to your discount, the defensive driving course reduces up to four points on your driving record.

Premiums, fees and other discounts that you may qualify for vary with each insurance company. While every provider in New York accepts the defensive driving insurance reduction, be sure to contact your insurance company and ask about any specific policies related to the IPIRP discount.

During the call, you can also ask about other discounts you might qualify for, such as safe driver discounts and discounts for teens with good grades.

Who Qualifies for the Insurance Discount?

The New York IPIRP insurance discount is available to anyone who voluntarily completes a NYS DMV-approved defensive driving course. You can learn more about how IPIRP works on the New York DMV website.

Every insurance company is different, so be sure to check your provider's policies for the discount. The reason you take the course plays a factor, too. If a court orders you to take the course, you might not qualify for the insurance discount.

How Much Is the New York Defensive Driving Insurance Discount?

According to the New York DMV, the defensive driving course reduces auto insurance premiums by a mandatory 10% that lasts for three years.

After the discount expires, you can retake the defensive driving course to secure your discount for another three years.

How Do I Redeem My Discount?

After you pass the course, we will mail you a certificate that proves you completed our state-approved defensive driving course. You must send the certificate to your insurance company to redeem your 10% discount.

Be sure to contact your insurance company to find out how to submit your certificate of completion. Instructions may vary depending on your provider.

Which Insurance Providers Offer a Defensive Driving Discount?

Find additional info about insurance providers in New York who accept the 10% defensive driving discount. You may qualify for other discounts to your rate as well.


New York drivers that take an approved online defensive driving course qualify for a 10% insurance reduction. GEICO's insurance discount is applied to your collision, no-fault and liability premiums for three years.

It is important to submit your certificate of competition in a timely manner. Contact your GEICO insurance agent to learn how to redeem your defensive driving discount.


AAA Auto Insurance provides a 10% discount on collision, liability and no-fault insurance premiums after you complete an online defensive driving course. The course also allows for a four-point reduction on your driving record. Remember to submit your certificate of completion to your AAA insurance agent.

21st Century Insurance

21st Century Insurance offers a variety of discounts to New York drivers. The 10% insurance reduction is available to those who complete a state-approved defensive driving course.

You can access additional savings if you qualify for the company's good driver discount, superior driver discount or good student discount. Talk to your 21st Century agent to make sure you're taking advantage of every discount available to you.

State Farm

State Farm believes in rewarding safe drivers. When you voluntarily take a New York IPIRP course online, you can get a mandatory 10% insurance discount for three years.

The company's Drive Safe & Save program gives you additional access to savings. By using an app or OnStar to monitor your driving, you could save up to 30% on your insurance rate. This discount is provided to drivers who avoid risky behaviors like speeding, hard braking and distracted driving.

Your State Farm agent can provide information about the defensive driving discount, the Drive Safe & Save program and other discounts that can reduce your insurance rate.


The United State Automobile Association (USAA) provides a variety of insurance reductions in New York, including a 10% discount for completing a state-approved defensive driving class. That discount remains in effect for three years. The company also offers a loyalty program for drivers, along with a discount for accident-free drivers. Contact your USAA agent to find out how to access the best savings.


Nationwide rewards its safest drivers with insurance discounts. New York drivers who take a NYS DMV-approved defensive driving course receive a 10% insurance discount for three years. Other discounts are available for people with a safe driving record and teens who maintain good grades. Check with your Nationwide insurance agent about terms for the 10% insurance reduction and other driver discounts.


Drivers of all ages can benefit from Allstate insurance discounts. Allstate customers in New York can receive a 10% insurance reduction by completing an approved online defensive driving course. Your Allstate agent can explain the defensive driving discount and a variety of other options that can save you money on your insurance premium.


Drivers with clean records can save with MetLife auto insurance discounts. New York drivers can get a 10% insurance reduction after taking a state-approved online defensive driving course. MetLife also offers 15% off to high school and college students with good grades and a 12% to 20% discount to drivers who steer clear of claims and violations for five years. Your MetLife insurance agent can walk you through the discounts you qualify for.


Improving your understanding of traffic laws and safe driving strategies is never a bad idea. Travelers provides a 10% insurance discount to New York drivers who complete a defensive driving course voluntarily. Contact your Travelers agent to learn about other insurance discount offers, including a 23% safe driving discount or up to 13% off for holding multiple insurance policies with the company.

American Family Insurance

American Family Insurance provides a range of insurance discounts. New York drivers can take a state-approved defensive driving course to qualify for a 10% insurance reduction that is good for three years. Reach out to your American Family Insurance agent for specifics on the IPIRP discount and other ways you can bring down your auto insurance premium.

Even if your car insurance company is not listed above, you'll qualify for a 10% defensive driving discount if you meet your provider's requirements. Keep in mind that most companies offer a variety of other discounts as well. Don't let insurance premium discounts pass you by!

Additional Links and Resources:


21st Century Insurance. (n.d.). 21st car Insurance Discounts. Retrieved from https://www.21st.com/discounts

AAA. (n.d.). Auto Insurance Overview. Retrieved from https://northeast.aaa.com/insurance/auto-insurance/auto-insurance-overview.html

Allstate. (2019, September). 7 Easy Ways to Help Lower Your Car Insurance Premiums. Retrieved from https://www.allstate.com/tr/car-insurance/how-to-lower-car-insurance-premiums.aspx

American Family Insurance. (n.d.). Car Insurance for Safe Drivers. Retrieved from https://www.amfam.com/insurance/car/discounts/good-driver-and-defensive-driving-discount

GEICO. (n.d.). Defensive Driving Course for GEICO Customers. Retrieved from https://geico.amersc.com/NewYork/NewYork.aspx

Metlife. (n.d.). Auto Insurance FAQs. Retrieved from https://www.metlife.com/insurance/auto-insurance/faq/

Nationwide. (n.d.). Defensive Driving Discount. Retrieved from https://www.nationwide.com/personal/insurance/auto/discounts/types/defensive-driving

New York DMV. (n.d.). Approved Courses. Retrieved from https://dmv.ny.gov/pirp/online

New York DMV. (n.d.). How Insurance Premium Reduction Works. Retrieved from https://dmv.ny.gov/tickets/reduce-insurance-premium

New York DMV. (n.d.). Point & Insurance Reduction Program. Retrieved from https://dmv.ny.gov/brochure/point-insurance-reduction-program

Travelers. (n.d.). Car Insurance Discounts. Retrieved from https://www.travelers.com/car-insurance/discounts

USAA. (n.d.). 5 Ways to Help Lower Auto Insurance Rates. Retrieved from https://www.usaa.com/inet/wc/advice-auto-5-ways-to-help-lower-auto-insurance-rates