Does the Arizona Defensive Driving Course (DDC) Lower Insurance
Completing the Arizona Defensive Driving Course can benefit your insurance in two ways. First, because the citation is dismissed and does not appear on your MVD record, your insurer is unlikely to see it and your rates should not increase because of that violation. Second, some insurance providers offer a discount for voluntarily completing a state-certified defensive driving course.
Citation Dismissal and Your Insurance Rate
When your citation is diverted, the violation is dismissed before it is recorded on your MVD driving record. Most insurers check your MVD record when calculating rates. Because the violation does not appear, it typically does not affect your premium. This is separate from any discount — it simply means the citation should have no negative impact on your insurance rate.
Possible Insurance Discount
Some Arizona insurance providers offer a discount for completing a state-approved defensive driving course. Whether you qualify depends entirely on your insurer, your policy type, and your driving history. Driving Logic cannot guarantee a discount and does not submit certificates to insurance companies.
How to Find Out If You Qualify
Contact your insurance provider directly. Ask whether they offer a discount for completing an Arizona Supreme Court-certified defensive driving course and what documentation they require. If a discount is available, you will need to provide your completion certificate.
Quick Facts
Detail | Information |
Citation kept off MVD record | Yes — if course completed successfully |
Insurance sees the violation | Unlikely — dismissed citations typically not on MVD record |
Discount guaranteed | No — insurer-dependent |
What to provide insurer | Completion certificate (PDF emailed after course) |
Does Driving Logic submit to insurers | No — you submit directly |
Frequently Asked Questions
Will my insurance go up because of my citation if I complete the course? Because the citation is dismissed and does not appear on your MVD record, most insurers will not see it and your rates should not increase for that citation.
Will completing the course automatically lower my insurance? Not automatically. A possible discount requires you to contact your insurer, confirm eligibility, and submit your certificate. The citation dismissal benefit happens regardless of whether a discount is available.
How much could I save on insurance with a discount? Discount amounts vary by insurer. Contact your insurance provider for specifics.
Does Driving Logic contact my insurer for me? No. Driving Logic reports your completion to the Arizona court database only. You are responsible for contacting your insurer and submitting your certificate if a discount applies.
Can I take the course just for the insurance discount without using it for a ticket? Voluntary enrollment for insurance discount purposes may be available. Contact Driving Logic to confirm eligibility and pricing for non-diversion enrollment.