teenSMART
Helping drivers avoid crashes and injuries.
Insurance discounts available!
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.
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.
To begin, you need:
- A driver license or permit for the teen driver
- A parent (or licensed driver 25 or older) to help complete the Parent-Teen Activities
- System minimum specifications:
For the download / DVD versions
A PC or Mac that meets these minimum specifications:
- Windows 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
- External mouse recommended, speakers, keyboard and printer
For the online version
A PC, Mac, Chromebook or iPad that meets these minimum specifications:
- We recommend using the Chrome web browser.
- Windows 10: 3.0 GHz Pentium 4 processor, 2 GB RAM (Recommend 4GB)
- Supported Browsers: Edge, Firefox, Chrome (Recommend updating to the latest browser version)
- Mac OSX 10.12 or newer: 2.0 GHz Core 2 Duo processor, 2 GB RAM
- Supported Browsers: Safari, Chrome (Recommend updating to the latest browser version)
- Chrome OS: 81.0.4044 or newer, 2.16 GHz Celeron processor, 2 GB RAM (Recommend 4GB)
- Supported Browsers: Chrome
- iPad OS 13.5.1: Gen 5 iPad or greater, Gen 2 iPad Air or greater
- Supported Browsers: Safari, Chrome (Recommend updating to the latest browser version)
- 1280 x 720 minimum screen resolution
- External mouse recommended, speakers, keyboard and printer
- An Internet connection
- Approximately 6-8 hours to complete. Training is divided into short 30-minute sessions so teens can complete the program at their own pace.
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.
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
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
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!
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
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
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
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!
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
- Maine
- Massachusetts
- New Jersey
- New York
- Pennsylvania
- Rhode Island
- Vermont
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.
By completing teenSMART you may reduce your premium by up to 10% for three years. Check with your MetLife Auto & Home agent or representative to see if teenSMART completion qualifies you for its Driver Improvement Course Discount. Two years driving experience required to qualify for discount.
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
- Wyoming
Visit us at www.mutualofenumclaw.com
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:
- Arizona
- Illinois
- Indiana
- Iowa
- Minnesota
- Wisconsin
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, Mac, Chromebook or iPad that meets the 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
HAZARD
DETECTION
SPEED
ADJUSTMENT
SPACE
MANAGEMENT
RISK
PERCEPTION
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.
