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Motorists in New Jersey can take advantage of defensive driving courses to improve their auto insurance rates as well as reduce the number of points on their license. Unlike other states where this discount is available only to select age groups, defensive driving discounts can generally be applied to everyone in New Jersey. For older drivers over 50 years of age, a mature driver improvement course is also available. It's a worthwhile investment of time, and one of the unique opportunities to both delay license suspension and save on car insurance in NJ.
There are two ways to attend a defensive driving course in New Jersey. The first is through a certified in-classroom class, and the second is through online-only courses approved by the NJMVC (New Jersey Motor Vehicles Commission). Defensive driving courses require 6 hours of class time if done in person but can be done at your own pace for the online-only options. At the end of the course, participants must take an exam in order to certify that they have passed the course. New Jersey requires that drivers answer a 50 question multiple choice test with at least 80% correct answers for a passing grade. In-class participants can take the exam three times without penalty.
What Are the Benefits of Taking Defensive Driving Courses in New Jersey?
Passing a NJ-certified Defensive Driving Course or Mature Driver Improvement Course yields the following benefits:
- A two point reduction on any points accumulated for driving violations on your license. The point reduction is useful in keeping you from getting your license suspended, which occurs once you've accumulated a total of 12 points. Reductions in the total number of points can also impact your insurance rates or your eligibility for the voluntary insurance market. You can take this class once every 5 years to get the 2 point reduction, but they can only reduce existing points and cannot be applied towards future points you might earn.
- Auto insurance discounts with your carrier for up to three years. Many carriers in New Jersey will reduce your auto insurance premiums if you successfully complete a defensive driving course. The typical amount is up to 10% of the relevant coverage. Some carriers may opt to give you a smaller discount. For instance, GEICO only offers a 5% discount in New Jersey for a completed course. As with the points lookback, the auto insurance discounts associated with the course apply for three years, after which you will need to attend another course to renew this discount.
Defensive Driving Course Providers in New Jersey
To help you shop for defensive driving courses we've researched the approved online and in-classroom providers and their prices. The New Jersey MVC site does not include prices since they want to equally advertise all your options. Your best bet is to use one of the online MVC approved classes, since they're more convenient and flexible in letting you complete the requirements at your own leisure.
Online New Jersey Defensive Driving Courses
These courses can be completed completely through the internet. While prices vary significantly among providers, as long as you complete the required materials and pass the exam, the benefits (premium discount and point reduction) are the same.
|A & A Safe2Drive||www.safe2drive.com||$24.95|
|AAA||onlinedip.aaa.com/nj||$35.05 - $38.95|
|AARP||aarpdriversafety.org||$17.95 - $21.95|
|American Safety Council||www.safemotorist.com||$20.00|
|American Safety Institute, Inc.||www.njinsurancereduction.com||$24.95|
|Cheap Defensive Driving Course||www.cheapdefensivedrivingcourse.com||$27.95|
|Cheap Easy Fast New Jersey Defensive Driving||www.cheapeasyfastnj.com||$27.95|
|Complete Today Defensive Driving||www.completetodaydefensivedriving.com||$18.95|
|Defensive Drivers Group||www.defensivedriversgroup.com||$24.95|
|Defensive Driving Express.com||www.defensivedrivingexpress.com||$24.95|
|Easy New Jersey Defensive Driving||www.easynjdefensivedriving.com||$34.95|
|Fast and Stress Free Traffic School||www.fastandstressfreetrafficschool.com||$29.95|
|Garden State Safety Council||www.gardenstatesafetycouncil.com||$44.95|
|I Drive Safely||www.idrivesafely.com||$49.00|
|Improv ... The Comedy Club Presents||www.myimprov.com||$19.95|
|License Me Driving School||www.mynjdl.com||$20.00|
|National Driving and Traffic School||www.njdriversafety.org||$29.95|
|National Safety Council||www.ddcnsc.org/nj||$34.95|
|National Traffic Safety Institute (NTSI)||www.ntsi.com||$32.50|
|New Jersey Safety Council||www.njsafety.org||$28.95|