How long must a driver have been licensed in the U.S. or Canada to qualify for a Good Driver Discount policy?

To qualify for a Good Driver Discount policy, a driver must typically have been licensed for at least 18 months. This requirement is designed to ensure that the driver has sufficient experience on the road, which is a significant factor in assessing risk for the insurance company. The longer a driver has held a license, the more likely they are to have developed safe driving habits and encountered a variety of driving conditions.

The 18-month timeframe strikes a balance between allowing newer drivers to prove themselves while also providing enough time for insurers to gauge their driving behavior. Insurers often look for a track record free of accidents or violations during this period to provide discounts, which ultimately rewards safer drivers and encourages responsible driving practices.