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teenSMART

Helping drivers avoid crashes and injuries. Insurance discounts available.

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teenSMART teaches skills proven to dramatically reduce crash frequency and severity.

teenSMART teaches new drivers to anticipate dangerous situations, recognize how risk changes as they drive, increase situational awareness, and expect the unexpected!

Teens that complete teenSMART reduce their chance of a collision by an average of 28% and up to 49% and have 51% fewer bodily injury claims than teens that do not complete the program. In addition, the chances of receiving a traffic citation one year after training are reduced by an average of 54% and up to 67%.

teenSMART graduates and their parents report a significant decrease in the use of distracting mobile devices while driving.

What’s included?

teenSMART includes:

Interactive computer-based lessons and practice
Realistic and challenging driving simulations that address the six leading causes of teen driver crashes and develop neurocognitive pathways associated with crash avoidance skills.

Parent-Teen activities
Safe driving discussions, videos, and in-car driving exercises reinforce the computer-based lessons.

Certification
Complete tests on your home computer, at your own pace. See test results and receive proof of completion in minutes.

Program requirements

To begin, you need:

  1. A driver license or permit for the teen driver
  2. A parent (or licensed driver 25 or older) to help complete the Parent-Teen Activities
  3. A PC or Mac that meets minimum specifications:
    • Windows 7, 8/8.1, or 10: 3.0 GHz Pentium 4 processor, 2 GB RAM
    • Mac OSX 10.9 or newer: 2.0 GHz Core 2 Duo processor, 2 GB RAM
    • Hard disk drive space: 2.5 GB
    • Download version requires 5 GB hard disk drive space during installation process and 2.5 GB after the installation is complete
    • DVD-ROM drive (not needed if you purchased the download version)
    • 1280 x 720 minimum screen resolution
    • Mouse, speakers, keyboard and printer
  4. An Internet connection
  5. Approximately 6-8 hours to complete. Training is divided into short 30-minute sessions so teens can complete the program at their own pace.
Can I get a discount on my insurance?

You can save

There’s a reason more insurance companies provide discounts for teenSMART drivers than any other program. It works!

Is your teen eligible for a teenSMART discount? Click on your insurance company to see if auto insurance discounts for teenSMART completion are available in your state.

Don’t see your insurance company? Check with your insurance agent to see if teenSMART completion might qualify you for an existing discount.

Allstate

Contact your local Allstate insurance agent to confirm your teen's eligibility for a discount. Your agent can calculate your actual premium savings upon completion of the teenSMART program. Be sure to ask your agent for a teenSMART coupon code to reduce the purchase cost as well!

Allstate offers auto insurance discounts for teenSMART completion in the following states:

  • Alabama
  • Alaska
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maine
  • Maryland
  • Michigan
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New York
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
Central Insurance Companies

Contact your local Central Mutual Insurance agent to confirm your teen's eligibility for a discount. Your agent can calculate your actual premium savings upon completion of the teenSMART program. Be sure to ask your agent for a teenSMART coupon code to reduce the purchase cost as well!
Click Buy Now to purchase.

Central Mutual Insurance offers auto insurance discounts for teenSMART completion in the following states:

  • Arizona
  • Colorado
  • Connecticut
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Kentucky
  • Michigan
  • New Hampshire
  • New York
  • New Mexico
  • Nevada
  • North Carolina
  • Ohio
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Wisconsin
Commonwealth Casualty Company

Contact your local Commonwealth Casualty Company Insurance agent to confirm your teen's eligibility for a discount. Your agent can calculate your actual premium savings upon completion of the teenSMART program. Be sure to ask your agent for a teenSMART coupon code to reduce the purchase cost as well!

CSAA Insurance Group

Contact your local AAA insurance agent to confirm your teen's eligibility for a discount. Your agent can calculate your actual premium savings upon completion of the teenSMART program. Be sure to ask your agent for a teenSMART coupon code to reduce the purchase cost as well!
Click Buy Now to purchase.

AAA offers auto insurance discounts for teenSMART completion in the following states:

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Idaho
  • Indiana
  • Kansas
  • Kentucky
  • Maryland
  • Montana
  • Nevada
  • New Jersey
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Dakota
  • Utah
  • Virginia
  • West Virginia
  • Wyoming
Erie Insurance

Contact your local Erie Insurance agent to confirm your teen's eligibility for a discount. Your agent can calculate your actual premium savings upon completion of the teenSMART program. Be sure to ask your agent for a teenSMART coupon code to reduce the purchase cost as well!

Erie Insurance offers auto insurance discounts for teenSMART completion in the following states:

  • Virginia
  • Wisconsin
The Hanover Insurance Group

Contact your local Hanover Insurance agent to confirm your teen's eligibility for a discount. Your agent can calculate your actual premium savings upon completion of the teenSMART program. Be sure to ask your agent for a teenSMART coupon code to reduce the purchase cost as well!

Hanover offers auto insurance discounts for teenSMART completion in the following states:

  • Connecticut
  • Georgia
  • Indiana
  • Illinois
  • Maine
  • Massachusetts
  • Michigan
  • Ohio
  • Pennsylvania
  • Tennessee
  • Vermont
  • Virginia
  • Wisconsin
Liberty Mutual

Please contact your local Liberty Mutual insurance agent to confirm your teen's eligibility for a discount. If you are eligible, your agent can calculate your actual premium savings upon completion of the teenSMART program. Be sure to ask your agent for a teenSMART discount code to reduce the purchase cost as well!

MAPFRE Insurance

Contact your local MAPFRE Insurance agent to confirm your teen's eligibility for a discount. Your agent can calculate your actual premium savings upon completion of the teenSMART program. Be sure to ask your agent for a teenSMART coupon code to reduce the purchase cost as well!
Click Buy Now to purchase.

MAPFRE Insurance offers an auto insurance discount for teenSMART completion in the following states:

  • Arizona
  • California
  • Florida
  • Idaho
  • Maine
  • Massachusetts
  • New Jersey
  • New York
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • Vermont
  • Washington

Need to find a MAPFRE Insurance Agent? Visit us at www.mapfreinsurance.com

MAPFRE InsuranceSM is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates: American Commerce Insurance Company℠ (Columbus, Ohio); Citation Insurance Company℠ (Webster, MA); The Commerce Insurance Company℠ (Webster, MA); Commerce West Insurance Company℠ (California COA No. 06715; Pleasanton, CA): MAPFRE Insurance Company℠ (California COA No. 18643; Florham Park, NJ); MAPFRE Insurance Company of Florida℠ (Miami, FL); and MAPFRE Insurance Company of New York℠ (Garden City, NY). Not all companies are licensed to do business in all states. Not all products are available in all states.

MetLife

Check in with your local MetLife agent for more details.

Mutual of Enumclaw

Contact your local Mutual of Enumclaw Insurance agent to confirm your teen's eligibility for a discount. Your agent can calculate your actual premium savings upon completion of the teenSMART program. Be sure to ask your agent for a teenSMART coupon code to reduce the purchase cost as well!
Click Buy Now to purchase.

Mutual of Enumclaw Insurance offers auto insurance discounts for teenSMART completion in the following states:

  • Arizona
  • Idaho
  • Montana
  • Oregon
  • Utah
  • Washington

Visit us at www.mutualofenumclaw.com

West Bend

Contact your local West Bend agent to confirm your teen's eligibility for a discount. Your agent can calculate your actual premium savings upon completion of the teenSMART program.

West Bend may offer auto insurance discounts for teenSMART completion in the following states:

  • Illinois
  • Indiana
  • Iowa
  • Minnesota
  • Wisconsin
teenSMART logo
TeenSMART
'teensmart

What is teenSMART?

teenSMART works because it addresses the six chief factors behind teen auto collisions.

By using advanced behavioral science, research, and testing, teenSMART focuses on altering driver behavior and reducing a teen's risk of collisions.

teenSMART includes:

Interactive computer-based lessons and practice: Realistic and challenging driving simulations address the six leading causes of teen driver crashes and develop neurocognitive pathways associated with crash avoidance skills.

Parent-Teen Activities: Safe driving discussions, videos, and in-car driving exercises reinforce the computer-based lessons.

Certification: Complete tests on your home computer, at your own pace. See test results and receive proof of completion in minutes.

To begin, you need:

  • A driver license or permit for the teen driver
  • A parent (or licensed driver 26 or older) to help complete the Parent-Teen Activities
  • A PC or Mac that meets minimum specifications
  • An Internet connection
  • Approximately 8 hours to complete. Training is divided into short 30-minute chapters so teens can complete the program at their own pace.

The Big Six

Visual search icon
VISUAL
SEARCH
Hazard detection icon
HAZARD
DETECTION
Speed adjustment icon
SPEED
ADJUSTMENT
Space management icon
SPACE
MANAGEMENT
Risk perception icon
RISK
PERCEPTION
Lifestyle issues icon
LIFESTYLE
ISSUES

How is teenSMART different?

Our program is superior to traditional driver-safety programs in three key ways

We treat the causes of crashes
Our programs address the causes of crashes, not the rules of the road or opinions. Starting with epidemiology studies that focus on crash reduction as a treatable behavioral disorder, our world-recognized experts created teenSMART, a scientifically-based system that targets the six leading causes of crashes that account for over 90% of all crashes.

Proven neurocognitive training
Our training dramatically improves crash reduction skills like visual awareness, hazard detection, risk perception including distracted driving, judging safe gaps in traffic flow, identifying clues of trouble, and knowing your escape route.

Verified effectiveness
Our program has been vetted by hundreds of insurance company actuaries for over two decades. Our graduates have 30% fewer crashes with 51% fewer bodily injury claims. In addition, teens are 70% less likely to receive a traffic violation. teenSMART is the most evaluated and validated teen driver crash reduction program in the world. Approved in 49 states for insurance discounts, teenSMART is the only teen driver discount approved by the California Department of Insurance for a 20% premium discount based on evidence of crash reduction.

Why be a teenSMART driver?

It Works:  teenSMART uses realistic driving simulations proven to improve driving skills, attitudes and behaviors. Research has consistently shown improvement in crash reduction skills and reductions in crash frequency and severity.

It's Valid: teenSMART is the most widely evaluated and tested teen driver-safety program ever developed.

It's Proven: In repeated trials, teens who complete teenSMART have up to 30% fewer collisions one year after training than teens who didn't take teenSMART.

It's Fun: The program includes simulations and exercises that are both engaging and effective. New drivers learn to anticipate dangerous situations, develop critical decision-making skills, become aware of their surroundings and expect the unexpected.

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teenSmart is an excellent program to create situational awareness for a young driver. It is a wonderful learning tool and I had both of my teenage sons use the program. I am very pleased with it and confident my sons are better prepared to be safer on the road.— DM, Parent, Anthem, AZ
Liberty Mutual is a leader in driver-safety research. teenSMART is a key component in our mission to keep young drivers safe on the road and out of the hospital. We observed significant crash reduction with less severe crashes among the teens that completed the program. Teen drivers are very important to Liberty Mutual and learning crash avoidance techniques now will give our teen drivers skills they can use for a lifetime.— Kathleen G. Bissell, CPCU Liberty Mutual Insurance Assistant Vice President Senior Regional Director - Public Affairs
teenSMART was not only a great tool for my son, but my wife and I also found very useful information that was beneficial to us. The Insurance discount was a great benefit!— DR, Parent, Noblesville, IN
I really thought this was a great program for my teen. I loved the teen/parent activities! And I have to admit...it was a good refresher for me too!— AZ, Parent, Pflugerville, TX
I was left feeling more confident in my child’s driving after this course. Having the chance to take the course with him gave me a chance to reflect with him on my own driving experiences to help my son.— GR, Parent, Jacksonville, FL
Great suggestions for interaction and key driving practices.— JJ, Parent, Fullerton, CA
teenSMART was a fun interactive course that helped me learn a lot more about the functions of my car and gave me more in-depth knowledge about my responsibility as a driver and how to safely to optimize my driving experience.— LA, Teen, Norfolk, VA
This was a very cool thing for us to do....it was fun and educational. He is doing very well driving. Thanks so much for offering it.— KR, Parent, Alliance, OH
There is a large difference in parent taught drivers and teenSMART taught drivers. They have become numb to our advice, whereas teenSMART creates a sense of urgency. Thanks!— MR, Parent, Jones, OK
This course reinforced the importance of safe driving to my son, who just got his license. He took away some key points that I hope will keep him safe as he builds on his independent driving experience. A win-win, as Mom will save some money on insurance as well.— SK, Parent, Bedford, IN
Just wanted you to know how wonderful teenSMART has been for me and my parents. Thank you so much for offering this great program to young and inexperienced drivers like myself.— Jason C., Teen, Deland, FL
The course was both very entertaining and very informative, and I feel like a much better and more prepared driver after completing it.— HH, Teen, El Dorado Hills, CA
I absolutely loved the teenSMART driving program. As opposed to other outdated and unhelpful driving program, I felt that teenSMART was an actually an accurate depiction of what teenagers face on the road today. I also loved the hands-on virtual simulations, which really taught me real-life skills that I apply to my driving now.— A.C, Teen, Cherry Hill, NJ
The insurance discount was a minor factor, getting my teen to improve his driving skills, and risk reduction were the primary factors.— PC, Parent, Safford, AZ
This program was super helpful in making me a safer driver!!— ER, Teen, Moraga, CA
Very helpful and explanatory easy to understand and not so boring like others here they just talk liked the simulations.— AW, Teen, Stockton
Knowing my teen driver has completed this course has eased my mind regarding how well he does when I'm not riding with him.— LB, Parent, Largo, FL
It's a really great program that made me feel safer driving.— AZ, Teen, Los Angeles, CA
The program was interesting and I ended up having fun completing it which was not what I was expecting. The simulations were also great and I enjoyed them a lot.— SS, Teen, Tubac, AZ
This was an excellent course. It reinforced past lessons and introduced new topics that were pertinent to any new driver. I also enjoyed the time spent with my son, both driving and watching the videos. I actually learned a few new tricks and re-learned some old ones. Thanks so much.— Mark H., Parent, Oakdale, CA
AAA Insurance has been an advocate for teen driver-safety for decades. We offer the teenSMART discount because we want teen drivers to have the best tools available to remain safe on the road. We find that teens that complete the program have fewer crashes with less severe outcomes. That is why we recommend teenSMART.— Matthew Hardin, CPCU Regional Vice President, AAA Northern California, Nevada and Utah Insurance Exchange
Even though my teen carries a 4.0. GPA , they don't always listen to their parents. Thank you teenSMART!— LA, Parent, Santa Clarita, CA
I learned a lot more stuff than what my driver's ed course taught me! I was able to get my licenses with just my Driver's ed completion ticket but now I feel safer and more knowledgable by going through teenSMART! The stimulators were very life like and made me feel like I was in a real car especially when it was time sensitive!— KD, Teen, Copeland, KS
teenSMART was as meaningful for our 16-year-old as it was for our 18-year-old, if not more so. We have recommended it to our daughter's prep school parent group. Thank you for developing a program which will make our roads safer for everyone.— Richard M., Parent, Tampa, FL
I thought that teenSMART was a really effective program. It was simple and engaging and really improved my confidence in the car.— JD, Teen, Corvallis, OR
This program helped my teen be more aware and it also has made her realize about the things going on in environment around her.— MJ, Parent, Wellington, NV
Even if you think you are a pretty good driver, everyone could use a refresher course now and then! teenSMART definitely increased my confidence behind the wheel when it comes to safety!— JGN, Teen
My son was already a good, yet inexperienced, driver. Very conscious of what was going on around him. After completing this course he has become even more aware of what's going on around him. Most people can get "tunnel vision" while driving so I believe this course made him realize there is more going on than what's immediately in front of and behind him. I would definitely recommend this course to everyone.— TS, Parent, Marietta, GA
When I discovered and reviewed teenSMART, I made it a mandatory learning component to my kids' driver training. As a former California Highway Patrol officer, I have investigated thousands of traffic collisions. Driver error was a major component in the cause of the collisions. teenSMART has a verified record of reducing those errors that cause traffic collisions. It is incomprehensible why any parent would not demand that teenSMART be a part of a teen's driver training.— Brian L., Parent, Elk Grove, CA
The best in customer service. My teen was able to quote statistics- wow!— CB, Parent, Tewksbury, MA
All my children are teenSMART certified and are much better drivers now. None of them have been involved in an accident. teenSMART is an excellent program and I always recommend it to friends who have kids learning to drive.— ML, Parent, Piedmont, CA
My husband and I enjoyed completing this program with our son. It reinforces all of the same rules, guidelines and techniques we are trying to teach him, so he is hearing it from more than just us. We will definitely use teenSMART with our two younger sons when they learn to drive.— LA, Parent, Fountain Valley, CA
This program was great for my teen as well as my older teen that completed this program. The other day my teen was driving ,came upon a situation,and quoted something that he learned in the program. That shows me the program was well worth it. I already have recommended this program to a couple of my co-workers.— JF, Parent, Tremont, IL
I would recommend this teenSMART to some of my class mates so they are better on the road also.— RL, Teen, Kingsburg, CA
We feel it was very great that he did the teenSMART, he got alot out of it, and so did we!— LS, Parent, Oakdale, CA
We enjoyed the program. The time spent behind the wheel was invaluable and created the opportunity for some good communication. We are happy we chose to participate.— Pat N., Parent, Mundelein, IL
Thanks for helping me become a safer driver. Now, when driving, I feel more confident in my abilities to judge gaps and hazardous situations.— SH, Teen, Smyrna, TN
Allstate supports teen driver safety through research. We have observed the performance of teenSMART for many years and see that teens that complete the program have fewer collisions and injuries. That is why we are proud to offer a significant discount for those that complete the teenSMART program here in California. We want our teens to be safe on the road and know they are in good hands.— Jeffery L. Thomas, PCU Territorial Product Manager California Region, Allstate Insurance
Although nothing replaces years of experience in the safe driving world the teenSMART experience definitely gave my daughter a learning insight that would normally take at least a year or two of good driving experience she now has a positive heads up in her driving world thanks to teenSMART.— JS, Parent, Madison, FL
The program was great and very well done. The simulations were great. The information was of the time and useful. I was VERY impressed.— MM, Parent, Forrest Hill, MD
Great tool for helping me become a better driver; would like to commend you on a great program. Also, I think it is great that insurance companies realize how much this helps young drivers and encourage them to use a great program like this.— Joel G., Teen, Windsor, CO
My teen at first didn't want to do the program, but when she completed it, said she thought it really helped her. She was fully engaged in the driving simulations, and I think ended up enjoying the program.— YR, Parent, South Glastonbury, CT
teenSMART video clips made it easy to follow along and interactive for my student. Young Adults these days have a very short attention span and teenSMART made "fun" for my teen who enjoyed it.— SL, Parent, Littleton, CO
teenSMART is the best gift any parent could ever give their child! I enjoyed participating with my teen on all the modules, and I even learned how to improve my driving skills as well! teenSmart is a MUST!! — Plano,TX Parent
This was an amazing program. Extremely well done. Worth every penny!— PT, Parent, Shelbey Township, MI
This program is phenomenal! Thank you for giving me the opportunity to complete it and for making me a better driver!— KM, Teen, Corning, CA
My 2nd child has completed teenSMART! The program brings additional awareness and confidence behind the wheel.— SA, Parent, CT
It made me more confident. It is really a one on one program other than Drivers Ed I had to take and it made me feel more safe and smart when getting behind the wheel.— NH, Teen, Milwaukee, WI
This is our second teen to utilize teenSMART. It gets us a fantastic discount with our insurance company but more importantly, It taught both kids things they did not learn from their driver's manual or from our teaching while driving. We appreciate the videos and feedback which really emphasized what the kids need to be paying attention to when they drive.— CN, Parent, San Jose, CA
This program was truly amazing! I already have my license, but I wished I knew some of this beforehand, because now I feel more comfortable while driving. Now that I’m usually by myself while driving, it’s nice to know that I know what I’m doing. And I can drive safely and not be nervous about what’s going on around me 🙂— CM, Teen, St. Charles, FL
teenSMART served as a positive reinforcement of the tips and training we gave to our daughter during her permit driving time. She has proven to be very alert and cautious and teenSMART has reiterated that practicing caution is living with wisdom.— PH, Parent, Windyville, MO
This is a well done program and does not come across as condescending toward the teen or adult. The driving simulations are a great tool for both new and experienced drivers and gives us an opportunity to point out to our new driver the issues she’ll face every day from slow to fast drivers, pedestrians, oncoming traffic, entrance/exits to business, buses taking up the view, etc. Basic and advanced topics were at the right pace to keep the teen interested and on task. There should be a refresher program for experienced drivers.— RAW, Parent, Tucson, AZ
This was very helpful and I now use the skills I have learned from teenSMART.— AJ, Teen, Newfane, VT
I have had the pleasure of going through the teenSMART program with my 17 year old daughter a few months ago. I have to say this was one of the best programs I have seen during my 26 year career as a Police Officer. There is no doubt that after a young driver takes your program that they will be a more aware and safety conscious driver. Yes we saved money on our car insurance, but there is no amount I can place on the safety of my daughter. My wife and I feel more confident in her abilities after watching her complete your program.— Chief Michael A. DeLorenzo, Berlin Police Department, Berlin, NJ
My teen was a pretty good driver already. However, the teenSMART program raised his awareness of his own driving as well as the awareness that what he may take for granted is actually very important and affects others besides himself. I think he "respects" being on the road more. He was really engaged in each module and received personal encouragement from them, even though initially he agreed to do the program "for his parents." This was indeed a good experience.— PB, Parent, Baltimore, MD
Great program. Really helps new drivers to think about so many things that can come up. Love the interactive driving examples and worksheets.— MH, Parent, Buckeye, AZ
This was an amazing program. Thank you for offering it to us. It was very well designed and thought out. My son definitely improved his driving skills.— DF, Parent, Lewisville, TX
I think that my son will be a more careful and more alert driver due to the teensmart program. I am a driving instructor and wish that all of my students could complete this program.— MM, Parent, Hartfield, OH