Short Answer
Yes. Many insurance companies in Florida offer discounts when you voluntarily complete the 4-Hour Basic Driver Improvement (BDI) course. After finishing, simply download your certificate and provide it to your insurance provider.
How the Insurance Discount Works
The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) allows drivers to take the BDI course voluntarily, even if they do not have a traffic citation.
Insurance companies may reward voluntary completion with a safe driver discount.
The amount of the discount varies by insurer, but it typically ranges from 5% to 15% off your premium.
Important: Discounts are offered at the insurer’s discretion, not guaranteed by the state.
Steps to Claim Your Discount
Complete the 4-Hour BDI course.
Log in to your account and download your Certificate of Completion.
Contact your insurance provider and ask about their safe driver discount policy.
Submit the certificate by email, fax, or upload to their online portal.
Keep a copy of the certificate for your records.
Who Benefits Most from Insurance Discounts
Voluntary Students: Drivers who take the course without a citation.
Older Drivers: Some insurers offer discounts for mature drivers (55+).
Parents of Teen Drivers: Taking the course can sometimes lower premiums for households with young drivers.
Safe Driver Programs: Insurers often apply the discount as long as the certificate is current (some may require renewal every 2–3 years).
Frequently Asked Questions
Q: Does the discount apply if I took the course for a ticket?
A: Usually no. Most insurers only apply discounts for voluntary completions, not for court-ordered or citation-related cases.
Q: How much money will I save?
A: Savings vary by company but are often between 5% and 15%. Check directly with your insurer.
Q: Is the discount permanent?
A: No. Some insurers apply it for 2–3 years. After that, you may need to retake the course to renew the discount.
Q: What if my insurer doesn’t offer this program?
A: Not all companies provide the discount. It’s best to ask your provider in advance.
At a Glance: BDI Insurance Discount
Question | Answer |
Available for voluntary courses? | Yes |
Available for ticket cases? | Usually no |
Savings amount? | 5%–15% (varies) |
Submission required? | Yes – send certificate to insurer |
How to renew? | May need to retake every 2–3 years |
Why This Matters
Provides a financial incentive to complete the course even without a ticket.
Reinforces defensive driving skills and traffic law knowledge.
Encourages safer driving habits while reducing insurance costs.