What Is Defensive Driving?
Defensive driving is a set of skills that lets you defend yourself against poor driving conditions and other drivers' mistakes. "Defensive driving courses" are state-approved classes that offer legal and insurance benefits.
Benefits by State
| State | Point Reduction | Insurance Discount | Ticket Dismissal? |
|---|---|---|---|
| California | Yes (1–2 points) | Up to 10% | Yes |
| Texas | Yes | Up to 10% | Yes (once/year) |
| New York | 4 points | 10% | Limited |
| Florida | 3 points | Up to 10% | Yes |
💡 Pro Tip
The 10% insurance discount can save $100–$400/year depending on your policy. A $30 online course can pay for itself many times over.