Lower Your Auto Insurance Premium

Many Texas insurance companies offer discounts to drivers who complete a state-approved defensive driving course.

Even if you haven't received a traffic ticket, completing a defensive driving course shows your insurance company that you're taking proactive steps to become a safer driver. Many insurers recognize this by offering discounts to qualifying policyholders.

Why Insurance Companies Reward Defensive Driving

Insurance companies don't only consider accidents and traffic violations. They also evaluate how likely a driver is to file future claims.

Completing a Texas-approved defensive driving course demonstrates that you've invested time in improving your driving knowledge and reducing your risk on the road. Many insurance companies view this as a positive step and offer discounts to qualifying drivers.

Before enrolling, it's a good idea to contact your insurance company and ask whether they offer a defensive driving discount.

Two Ways This Course Can Save You Money

Option 1: Qualify for an Insurance Discount

You don't need a traffic ticket to benefit from defensive driving.

Many Texas drivers voluntarily complete a state-approved course because their insurance company rewards proactive safe driving with lower premiums.

Since the course costs only $25, even a modest insurance discount may pay for the course many times over.

What You'll Receive After Completing the Course

As soon as you complete the course, you'll be able to download your official Texas Defensive Driving Certificate immediately—there's no waiting for it to arrive by mail.

• ✔ Instant certificate download upon course completion
• ✔ Official TDLR-approved completion certificate
• ✔ Submit your certificate to your insurance company when requesting a defensive driving discount
• ✔ If you're taking the course for ticket dismissal, submit the same certificate to your court as required

Insurance discounts are not guaranteed. Discount availability, eligibility, and savings vary by insurance company and policy. Contact your insurance agent or provider before enrolling to confirm whether you qualify for a defensive driving discount.

Option 2: Dismiss an Eligible Traffic Ticket

If you've recently received a traffic citation, this same course may also allow you to dismiss your ticket, provided you're eligible and your court approves defensive driving.

Dismissing the ticket can help keep the violation off your driving record and may help you avoid the insurance rate increases that often follow a conviction.

Source: CarInsurance.com rate analysis.

Why Fast Track Defensive Driving?

• Only $25 — the lowest price allowed by Texas law
• 100% online
• TDLR Approved (CP037)
• No final exam
• Complete at your own pace
• Immediate certificate download
• Accepted by Texas courts

Frequently Asked Questions

Do I need a ticket to take this course?

No. Many drivers complete defensive driving simply to qualify for an insurance discount or demonstrate proactive safe driving to their insurance company.

Will my insurance company lower my premium?

Many insurance companies offer discounts after completing a state-approved defensive driving course. Since every insurer has different eligibility requirements, contact your insurance provider to see whether you qualify.

Can this course dismiss my ticket?

If you're eligible and your court has approved defensive driving, you can submit your completion certificate to satisfy the court's requirements.

How much does the course cost?

Just $25, the lowest price permitted by Texas law.