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New York Accident Prevention Course

SafeMotorist's New York Defensive Driving course, also known as the Internet Point and Insurance Reduction Program (IPIRP), is approved by the New York DMV to reduce point penalties after a traffic citation and provide a three-year discount on your auto insurance. The entire course is available online, giving you the flexibility to train anywhere at your own pace.

Successful completion of this accident prevention course entitles you to a mandatory 10% reduction on your vehicle's liability, no-fault and collision insurance premiums. In addition, you can reduce up to four points on your driving record after a traffic violation to avoid a license suspension or revocation.

The DMV allows you to retake the Defensive Driving course every three years to renew your insurance discount and every 18 months to reduce points on your driving record.

About the Online New York Defensive Driving Course

Our online defensive driving course is approved by the New York State Department of Motor Vehicles and provides the point and insurance reduction benefits of the IPIRP training program.

This easy-to-use accident prevention course takes about six hours to complete. Designed to be straight-forward, the course consists of four learning modules. Upon completion, we will mail you a certificate that you can provide to your insurance provider to receive your discount. We will also electronically report your course completion to the DMV for point reduction.

Taking this course will give you the benefits of point and insurance reduction while providing valuable skills that help you drive safely and avoid accidents.

Why Choose Our Course?

Since 1996, we've helped millions of drivers save money on auto insurance and avoid points on their license after a traffic ticket. Our online course makes it easy to meet New York DMV requirements for point and insurance reduction.

Benefits of our online Defensive Driving course include:

  • Reduces up to four points from your driving record
  • Qualifies you for a mandatory 10% insurance reduction
  • Work at your own pace
  • Automatic completion reporting to the New York DMV
  • Fast and free delivery of your Certificate of Completion

You can retake this course every three years to renew your insurance discount and every 18 months to receive point reduction.

About Point Reduction

If you have received points on your driving record from a traffic violation within the last 18 months, then you can complete this course to reduce up to four points from counting toward a penalty such as a license suspension or revocation.

Point reduction means the DMV will subtract points from your record for the purposes of calculating a suspension. The ticket and points will not physically be removed from your driving record.

Points from future violations or points you received before the 18-month cutoff are not affected by completing this course. Also, you cannot take this course to prevent a mandatory suspension or revocation.

Upon course completion, we will notify the New York Department of Motor Vehicles, and your information will be entered into their database. This will automatically reduce your active point total by up to four points.

About the Auto Insurance Discount

This online Defensive Driving course is DMV approved and guarantees that you will receive a 10% discount on your liability, no-fault and collision insurance premiums for three years.

Regardless of your age or how many miles you drive, completing this course guarantees that you will save on your insurance rate. All you have to do is provide your course completion certificate to your insurance provider, and your discount will be automatically applied.

Want to keep the 10% insurance discount? Simply retake the course every three years to renew your discount.

Course Topics

The New York Defensive Driving course covers a wide range of topics on safe driving techniques, New York traffic laws, driving distractions and more.

Throughout the course's four modules, you'll learn about:

  • New York traffic laws
  • How to avoid crashes and accidents
  • DWI prevention
  • Aggressive driving and road rage
  • Psychological factors
  • Crash dynamics
  • Avoiding impaired driving
  • Safety equipment
  • Following and stopping distances
  • Vehicle emergencies and sharing the road
  • Traffic signals and signs
  • School busses and emergency vehicles

The New York Defensive Driving online course provides an in-depth overview of the topics above and much more.

Frequently Asked Questions

What is IPIRP?

IPIRP is the Internet Point and Insurance Reduction Program. This New York DMV program began as a classroom course known just as PIRP. Our online version satisfies all IPIRP requirements and has been approved by the New York State Department of Motor Vehicles.

How long is the online New York Defensive Driving Course?

The state requires this course to include a minimum of 5 hours and 30 minutes of education, not including quizzes. Most students can complete the course in 6 hours. Unlike the classroom course, you can log on and off as needed and complete the course on your own schedule.

How do I verify that the DMV has confirmed my course completion?

If you need to verify that the defensive driving course completion is on your record, you may request a copy of your driving record from the DMV. Visit the NYS DMV website to learn more.

What are the testing requirements?

This course does not have a final exam. To qualify for point and insurance reduction and to complete the course, you must pass content quizzes and end-of-module quizzes. Content quizzes include one review question after each lesson. End-of-module quizzes contain five multiple-choice questions, and you have five minutes to complete each.

You have up to three tries to earn a passing score of 75% or higher for both content and module quizzes. Due to DMV requirements, you will be locked out of the course and required to re-register if you do not pass a quiz within three tries.

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New York Defensive Driving Course

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