In Florida, individuals aged 55+ can lower their premiums by up to 15% by completing a mature driver course. The discount is valid for three consecutive years, resulting in massive savings.
Here’s everything you need to know about the Florida mature driver insurance discount course, including the signup process, eligibility requirements, costs, and potential benefits.
What Is the Mature Driving Program in Florida?
The mature driver program in Florida is a six-hour course designed for drivers aged 55 and older who wish to reduce their insurance premiums. It revolves around traffic laws, accident prevention, defensive driving, and related topics.
Section 627.0652, Florida Statutes, requires insurance companies to offer discounts for drivers who take the course. To qualify, applicants must enroll in a state-approved program and submit a valid completion certificate to their insurance providers when they’re done.
You can take the mature driver course online or in person. Our Florida Mature Driver Course consists of seven lessons followed by short quizzes. The final exam has 40 questions, and you must answer at least 80% of them correctly to pass. If you fail, you can retake the test for free.
How Much Can I Save on Insurance with the Florida Mature Driver Course?
In Florida, insurance companies are legally required to lower your premiums after you complete a mature driver course. The discount varies between 3% and 10% and applies for three consecutive years.
How much you’ll save depends on your insurance provider. Insurance providers like Progressive, Nationwide, AAA, GEICO, and Allstate all offer mature driver discounts. In some cases, the discount can be as high as 15%. After three years, you may retake the course to become eligible for a new discount.
Who Is Eligible for a Driver Improvement Course in Florida?
The mature driver improvement course is available to Florida drivers over 55. However, age alone doesn’t qualify you for an insurance discount.
To keep the discount for three years, drivers must:
❌ Not be convicted of or plead no contest to moving violations.
❌ Not to be found at fault in a crash.
So, if you get 10% off your insurance rates after completing the Florida mature driver course and are later cited for running a red light, you risk losing the discount.
How Do I Sign Up for the Florida Mature Driver Course?
Ready to get started? First, look for mature driver courses approved by the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). You can find them in FLHSMV’s list of licensed course providers.
Or, you can register directly with Traffic Safety Institute. We’re a fully licensed online school. Just follow these steps to get started:
- Access the registration page.
- Sign up with Google or enter your email address along with a strong password.
- Start the course for free (no credit card required!)
- After you pass the final exam, enter your mailing address, date of birth, and driver’s license number at checkout.
- Pay our flat fee of only $23.99.
Note: We’re legally required to ask for your driver’s license number, mailing address, and date of birth. This information is used to verify your identity, ensure compliance with FLHSMV regulations, and confirm you’re eligible for the mature driver discount.
How Long is the Florida Mature Driver course?
You must complete six hours of study to pass the Florida mature driver course. If you sign up for an online program, you can learn at your own pace from anywhere.
Our Florida mature driver course is mobile-friendly and can be completed in one sitting. However, if you have a tight schedule, you can pause as needed and resume from where you left off.
Our lessons are engaging and easy to follow, covering relevant topics like:
- Defensive and safe driving strategies
- The impact of aging on driving performance
- How to deal with age-related driving challenges
- How medications can affect driving
- Recent changes to traffic laws and regulations
- Proper use of vehicle safety equipment
- Distraction avoidance techniques
Each module concludes with a multiple-choice quiz designed to assess your knowledge and reinforce the key points. Go through all modules, then take and pass the final exam to receive your certificate of completion.
How Much Does the Florida Mature Driver Course Cost?
Florida mature driver course cost varies from school to school. Expect to pay anywhere between $45 and $70, or as little as $23.99 — if you choose Traffic Safety Institute.
Unlike other course providers, we don’t charge extra for services like course retakes, audio content, or certificate delivery. For example, while most schools charge $10 to $15 for electronic certificates, we offer them at no cost.
| Traffic Safety Institute | Other FL Mature Driver Courses | |
|---|---|---|
| Total Cost | $23.99 | $45–70 |
| FLHSMV Approved Course Cost | Included | $20 – $30 |
| Unlimited Retakes | Included | No |
| Instant Electronic Certificate Copy | Included | +$10 – $15 |
| Free Audio Read Along | Included | +$5 – $10 |
| $100 Savings Guarantee | Included | No |
| Live Chat | 24/7 Live Chat | No |
Is a Driver Safety Course Worth It?
Now that you know more about the Florida mature driver course, you might be wondering if it’s worth it. The answer is a sound yes. Taking this course can save you hundreds – or even thousands – of dollars.
Let’s do the math.
According to NerdWallet, Florida residents pay an average of $2,571 per year for full auto insurance coverage. Here’s how much you could save by completing the mature driver program:
| Discount amount | Savings over one year | Savings over three years |
|---|---|---|
| 5% | $128.55 | $385.65 |
| 10% | $257.10 | $771.30 |
| 15% | $385.65 | $1,156.95 |
| *Actual savings may vary depending on your insurer, policy details, and driving history. | ||
The driver improvement course at Traffic Safety Institute costs less than $30 and could save you up to $385 per year, or $1,156 over three years. Even if your insurance carrier offers a lower discount, you’ll still save at least $100 per year.
Get Your Insurance Discount with Traffic Safety Institute
Our Florida mature driver course is approved by the FLHSMV and accepted by all insurers in Florida. You can complete it in one sitting or over several sessions and study from any device, including your smartphone.
We also offer lots of extra perks, like:
✅ Unlimited retakes
✅ Audio read-along
✅ Interactive quizzes
✅ Save-and-resume feature
✅ 24/7 live chat support
✅ Instant electronic certificate copy
✅ $100 savings guarantee
✅ All-inclusive flat fee
Need one more reason to choose us? At Traffic Safety Institute, you can take the mature driver insurance discount course for free and pay only after you pass. We won’t even ask for your credit card information when you sign up.
Don’t spend more than you have to on car insurance. Start the mature driver improvement course for FREE — and lower your premiums for three consecutive years.
