Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jul 30, 2019

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Traffic school is something experienced drivers have never looked forward to since it usually involved spending nights and weekends attending a course taught by someone who also does not want to be there.

However traffic school has evolved over the years with many companies offering state approved courses, some which even incorporate humor in the classroom, but even these entertaining traffic schools still meant spending a lot of time away from home.

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How much is car insurance after a speeding ticket or accident?

The good news is that today more and more states are embracing online traffic school options which not only considerably cut down on the time you need to spend commuting to school but also provide the convenience of completing these courses from anywhere.

Do I have to attend traffic school in person?

The laws about how traffic school must be attended vary by county and it all depends on where you live. Some counties have a single approved driving school while others have multiple and depending on what course options these approved driving schools offer you may or may not have to attend in person.

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Why would I have to attend driving school?

There are two main reasons why anybody would attend traffic school outside of young drivers looking for lower car insurance rates.

First you have experienced drivers who are mandated by the Department of Motor Vehicles to complete a state approved traffic school course as result of a car accident involving certain injuries, multiple car accidents within a certain time period or similar situations which caused damages to others.

Secondly (probably the most popular reason) is to avoid points on your driving record and higher auto insurance rates by opting to voluntary attend driving school. The urban myth here however is a guarantee of lower auto insurance rates.

Not all auto insurance companies waive any penalty against drivers who get a moving violation and attend driving school.

You always need to check with your auto insurance company as to how they qualify attending a traffic school. Many insurers will still raise your premiums.

Can I complete any traffic school?

No. Any traffic school certificate must come from an approved traffic school. While most driving schools are state approved (since they probably would not enjoy any growth in attendance after people start finding out they have to do another one) you should never assume a traffic school is certified without checking with your local Department of Motor Vehicles.

For example, in Santa Clara County (California) drivers have only one option for traffic school – – and any course certificate presented by other traffic schools will not be accepted. If you are going to spend up to 12 hours or more in traffic school then please make sure you are attending an approved course.

Will I get cheaper auto insurance by attending traffic school?

Not necessarily. Auto insurance companies and the Department of Motor Vehicles are entirely different. The DMV is focused on public safety and regard traffic school as a way to provide drivers an opportunity to refresh their driving schools and avoid penalty of points towards license suspension.

Auto insurance companies are for-profit companies who are in the business of selling you insurance. Just because you opted to complete traffic school after doing 95 in a 65 mph zone does not make you a safer driver overnight.

How much can I save on auto insurance by attending traffic school?

This really depends on your auto insurance company. Completing a traffic school course after a ticket or car accident certainly will not lower your auto insurance rates although it may prevent you from getting higher premiums in some cases.

However, drivers who voluntarily attend traffic school and do not already have a discount on their auto insurance policy for driver’s education may benefit from a small discount on premiums.

The only way to learn how completing a traffic school course will impact auto insurance rates is by speaking with your car insurance company.

Need auto insurance or facing a premium increase due to a speeding ticket or car accident? Compare auto insurance companies today and start searching for lower auto insurance rates. Millions of drivers switch car insurance companies every year for lower rates, better coverage and many more reasons.

Simply enter your ZIP code to find a list of local auto insurance companies today.

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