North Dakota Mature Driver Course: The 55+ Insurance Discount

If you are 55 or older and licensed in North Dakota, completing an approved mature driver course can earn you a three-year reduction on your auto insurance premium. North Dakota Century Code 26.1-25-04.1 provides for the reduction on personal injury and property damage coverage, and providers commonly report savings starting around 5 percent.

Before you enroll, one thing is worth knowing: this is not the same course as the point reduction course, and it does not do the same job.

Two Different Courses, Two Different Jobs

This is the mistake worth avoiding. A driver over 55 who has just picked up a ticket and wants the points gone needs the point reduction course, not the mature driver course. The mature driver course improves your skills and earns the premium reduction, but it will not take points off your record.

If your goal is both, ask before assuming one course covers it.

What the Discount Is Worth

The reduction applies for three years from completion, so a course taken once returns savings across three renewal cycles rather than one.

Reported discounts commonly start around 5 percent, though the exact figure depends on your carrier and your policy. Because it applies to personal injury and property damage premiums specifically, the dollar amount varies with how much coverage you carry.

Over three years, even a modest percentage typically outweighs the cost of the course several times over, which is what makes it worth doing for drivers who qualify.

It Is Not Automatic

This is where most of the value gets lost. Nobody notifies your insurance company for you.

After you complete the course you receive a certificate of completion. You then have to contact your insurer and submit it to have the reduction applied. Call your agent, confirm they recognize the course, ask what they need, and send the certificate. Then check your next statement to confirm it was actually applied.

Keep a copy for your records. Since the reduction runs three years, you will want proof of the completion date when the renewal window comes around.

Who Qualifies

The requirements are short:

• Age 55 or older

• A valid North Dakota driver's license

• Completion of a state-approved course

Approval matters more than format. An online course approved by the North Dakota State Highway Patrol counts the same as a classroom one, which is what lets you complete it from home at your own pace rather than committing to a scheduled class.

Frequently Asked Questions

How much can I save on insurance?

Reported discounts commonly start around 5 percent on personal injury and property damage premiums, though the exact amount is set by your insurer. Ask your carrier what they apply.

How long does the reduction last?

Three years from the date you complete the course, after which you can retake an approved course to renew it.

Does the mature driver course remove points?

No. It is designed for insurance reduction. If you need points removed from your record, that is the separate point reduction course.

Do I have to be 55 to take it?

Yes, the reduction under North Dakota law applies to drivers 55 and older.

How do I get the discount applied?

Send your certificate of completion to your insurance company and ask them to apply the reduction. It is not applied automatically.

The Bottom Line

If you are 55 or older with a valid North Dakota license, the mature driver course is one of the more straightforward returns available: a few hours online for a premium reduction that runs three years. Just remember to send the certificate to your insurer, because the discount does not apply itself.

And if what you actually need is points off your record, that is the other course.

GoToTrafficSchool offers the North Dakota Mature Driver Course for $24.99 and the Point Reduction Course for $19.95, both approved by the North Dakota State Highway Patrol and completed online at your own pace. Confirm with your insurance company which benefit applies to your policy, and you can start today.