The Point & Insurance Reduction Program, approved by the New Jersey Motor Vehicle Commission (MVC), is available through private companies or corporations, called "course sponsors," throughout the state of New Jersey.  Each qualifying course must meet strict standards for the safe driving information presented and program effectiveness. If you complete an approved Defensive Driving Course in NJ:

  1. It will help refresh your driving knowledge with a review of time-tested safe driving tips and an overview of today's vehicle and traffic laws.
  2. You may be eligible to reduce as many as two (2) points on your driving record. The MVC computer will automatically note your eligibility to receive the reduction.
  3. If you are the principal operator of a motor vehicle, you will receive a minimum 5% reduction in the base rate of your automobile liability and collision insurance premiums each year for three years.

In 2008 the New Jersey Motor Vehicle Commission allowed "course sponsors" to make the NJ Defensive Driving course available online.

Point and Insurance Reduction Program

Defensive Driving
Defensive Driving Forms of Payment

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