American Commerce Insurance Company’s (ACIC) teenSMART discount is available to any licensed driver under the age of 21 who has successfully completed the teenSMART program and meets any state-specific eligibility requirements.  Note:  ACIC offers the teenSMART discount in certain states only. Check with your ACIC agent for availability in your state of residence. 

Savings will vary.  In many cases, savings may exceed the cost of the program and over a three-year period could potentially save you hundreds of dollars. Your ACIC Agent can help you calculate your savings using your annual premium.

When a teen becomes certified with the program, ADEPT Driver sends the teen’s certification information directly to ACIC and the discount is applied effective the date that the teen became certified.  

The discount is applied effective the date the teen passes the certification test, and is removed at the first policy renewal after the teen turns 21.

Initial eligibility requirements vary by state. Check with your local ACIC Agent to determine whether your teen would be eligible for the discount upon completion of the teenSMART program. Even without the insurance savings, you may help reduce your teen’s risk of a crash.

One complete program provides only one teenSMART certification; however, if there are multiple teens in the same household that wish to participate, additional certification units may be purchased at a discounted rate with a valid priority or coupon code.  Additional certification units contain only a unique certification identification number and an additional student workbook as the teens will share items from the complete program.

teenSMART will pay for itself in insurance savings within one year as long as your teen continues to qualify, or ADEPT Driver will refund double your purchase price back (sales tax and shipping and handling charges are not included in purchase price).