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Yes! $24.95 includes everything needed for Auto Insurance & Point Reduction.
S. A. #029
100% Online,
Any Device
Guaranteed Course

Online Defensive Driving For Lower Insurance Costs and Point Reduction

Exactly what New York drivers want and need from their DMV Approved Defensive Driving Class:

Insurance Discount
Get money back in your wallet just by completing our course for an insurance reduction of 10% in the base rate of liability, no-fault & collision premiums.
Reduce Points
Got pulled over in New York? Need to reduce points from your drivers license record? Get up to 4 points reduced off your record just for completing our online course!
Flexible & Convenient
Complete your PIRP (Point and Insurance Reduction Program) entirely from home without having to take a final exam!
Trusted Partner
TrafficSchool.com has partnered up with American Safety Council (Sponsoring Agency #029) in order to bring you an outstanding online defensive driving course.

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How New York State DMV Approved Online Defensive Driving Course Works

Taking your defensive driving course is as simple and user-friendly as possible.

Step 1 – Easy to Start - All Online

Sign-up quickly using our online registration form. Once you are registered, you can start your course immediately!

The whole course is available entirely online, using any computer or device with an internet connection. No need to attend a classroom!

Step 2 – Take the Course at Your Pace

The course is broken up into short sections with easy-to-pass quizzes. And the best part, there's no final exam!

As required by the state of New York, the Point and Insurance Reduction Program must be a minimum of 320 minutes long. You will have 30 days to complete the course, so you can finish it all at once or spread it out over multiple days.

Step 3 – Course Completion Confirmation

After successful completion of the online defensive driving course you will receive your original certificate of completion in the mail. Turn your certificate into your insurance provider to start earning a 10% reduction on the base rates of your current car liability, no-fault & collision premiums.

In addition, successful completion of the course will be reported electronically to the New York DMV. A 4-point reduction will be applied toward active driver violation points received in the past eighteen months before course completion and will not be counted by NYS DMV against the license.

One completion of the course can be used for both Point Reduction and Insurance Discount.

Step 4 – Enjoy Reduced Rates & Clean Driving Record

Your mandatory 10% auto insurance premiums savings is good for 3 years. You can renew your auto insurance discount every 36 months by retaking the course. It's that easy!

You can also breathe easier knowing up to four points on your motor vehicle driving record will not be counted against your license. You are eligible for a point reduction once in 18 months.


Driving Down Your Cost of Driving Since 1994

One Course Completion Used Towards Both Point and Insurance Reduction

Includes All You Need, Guaranteed!

Your course tuition of $24.95 includes absolutely everything you need to reduce points from your driving record and earn a 10% insurance discount.

  • NYS DMV Approved Defensive Driving Course
  • 100% Online – No Classroom Attendance Required
  • Free Electronic Reporting to the NYS DMV for Point Reduction
  • Free Mailed Original Certificate of Completion for Insurance Discount
  • You'll Pass or Your Money Back Guaranteed!

Answers to Your New York Defensive Driving Questions

Common questions with expert answers to help you better understand New York Defensive Driving

Is this an approved course?

Yes, this course is approved by the New York State Department of Motor Vehicles, NYS DMV Sponsoring Agency #029.

Why take a defensive driving course in New York?

Completion of a New York DMV approved defensive driving course qualifies you for a mandatory, 3-year insurance rate reduction of 10% in the base rate of liability, no-fault & collision premiums.

Also, if you got a traffic ticket in New York in the last 18 months, completing a defensive driving course can reduce up to 4 points from your DMV driving record.

How long does Online New York Defensive Driving take to complete?

This course takes 320 minutes to complete, as required by the state of New York. Once registered, you will have 30 days to complete the course. You may finish the course in one sitting or over the span of several days.

What happens when I finish the course?

When you finish the course, you will receive a completion certificate via first class mail to present to your insurance company. Also, your successful completion will be reported to the NY DMV electronically.