Pennsylvania Mature Driver Improvement Course — Frequently Asked Questions

The Pennsylvania Mature Driver Improvement Course is a PennDOT-approved educational program designed for drivers aged 55 and older who want to qualify for a guaranteed automobile insurance premium discount. Under 75 Pa.C.S. § 1799.2 — enacted by Act 6 of 1990 — all insurers authorized to write private passenger automobile insurance in Pennsylvania are required to provide a premium discount of not less than 5% to policyholders who complete this course. The Basic course is 7 hours and covers defensive driving techniques, Pennsylvania traffic laws, the effects of aging on driving, and accident prevention strategies. It is 100% online, self-paced, and requires no written or practical driving tests.

Source: 75 Pa.C.S. § 1799.2; PennDOT Mature Driver Improvement Course

The Pennsylvania Department of Transportation (PennDOT) oversees and approves all mature driver improvement courses in the state. PennDOT is responsible for establishing course standards, approving providers, and ensuring that the curriculum meets the educational requirements specified in the statute. The insurance discount provision itself falls under Title 75 (Vehicles) of Pennsylvania’s Consolidated Statutes, Chapter 17 (Financial Responsibility), making PennDOT the primary regulatory authority for course approval while the Pennsylvania Insurance Department oversees the discount implementation by insurers.

Source: 75 Pa.C.S. § 1799.2; PennDOT Publication 474

The PennDOT-approved Mature Driver Improvement Course covers a comprehensive curriculum tailored to the needs of mature drivers:

Defensive driving techniques — strategies to anticipate and avoid hazards on the road
Pennsylvania traffic laws — current rules of the road specific to PA
Effects of aging on driving — how physical and cognitive changes affect driving ability
Medication effects — how prescription and over-the-counter drugs can impair driving
Accident prevention strategies — proactive approaches to reduce collision risk
Hazard recognition — identifying and responding to road dangers
Weather and road conditions — safe driving in rain, snow, ice, and fog
Sharing the road — safely interacting with trucks, motorcycles, pedestrians, and cyclists

The course is designed to refresh knowledge, build confidence, and genuinely reduce your risk of accidents — while qualifying you for a guaranteed insurance discount.

Source: PennDOT Mature Driver Improvement Course; PennDOT Publication 474

Pennsylvania offers two versions of the Mature Driver Improvement Course:

Basic Course (7 hours): This is the initial course for first-time participants. It provides a comprehensive review of defensive driving, Pennsylvania traffic laws, and the effects of aging on driving. You must complete the Basic course before you can take the Refresher.

Refresher Course (4 hours): This is the renewal course taken every 3 years to maintain your insurance discount. It covers updated material and serves as a condensed review of the core topics. You become eligible for the Refresher after your initial 3-year discount period expires.

Both courses qualify you for the same insurance discount — a minimum of 5% off your auto insurance premium for 36 months.

Source: 75 Pa.C.S. § 1799.2(c); PennDOT Mature Driver Improvement Course

The course is entirely voluntary. No Pennsylvania driver is required by law to take the Mature Driver Improvement Course. However, completing the course triggers a mandatory insurance discount that your insurer is required by law to provide. Think of it this way: taking the course is your choice, but once you complete it and meet the eligibility requirements, the discount is not your insurer’s choice — it’s the law under 75 Pa.C.S. § 1799.2.

Source: 75 Pa.C.S. § 1799.2(a) (“shall provide a reduction in premium”)

No. The Pennsylvania Mature Driver Improvement Course does not require any written examination or behind-the-wheel driving test. PennDOT does not mandate formal testing as part of this program. The course includes knowledge checks and review questions to reinforce the material, but these are educational in nature — not a pass/fail examination. The goal is to refresh your driving knowledge and skills, not to test you under pressure. If you engage with the course content, you will have no difficulty completing it.

Source: PennDOT Mature Driver Improvement Course; PennDOT Publication 474

No. The Pennsylvania Mature Driver Improvement Course is not a ticket-dismissal or point-reduction program. It is a voluntary educational course designed specifically for mature drivers (age 55+) to qualify for a statutory insurance premium discount. Completing this course will not dismiss a traffic ticket, remove points from your driving record, or resolve any court matter. Pennsylvania does have a separate driver improvement school framework under 75 Pa.C.S. § 1553 for point-related issues, but the mature driver course under § 1799.2 serves a completely different purpose — qualifying you for the insurance premium reduction.

Source: 75 Pa.C.S. § 1799.2 (insurance discount); 75 Pa.C.S. § 1553 (driver improvement schools — separate program)

Under 75 Pa.C.S. § 1799.2(a), the guaranteed insurance discount is available when all named insureds on the policy have attained the age of 55 and have completed a PennDOT-approved mature driver improvement course. The key word is “all” — every named insured on the policy must be 55 or older and must have completed the course for the statutory discount to apply.

Source: 75 Pa.C.S. § 1799.2(a) (“all named insureds have attained the age of 55 years”)

You can take the course for its educational value at any age — the defensive driving techniques and safety content benefit drivers of all ages. However, the statutory insurance discount under 75 Pa.C.S. § 1799.2 is specifically limited to policyholders where all named insureds are 55 or older. If you are under 55, your insurer is not legally required to provide the discount. That said, some insurance companies voluntarily offer discounts for completing defensive driving courses regardless of age — contact your insurer to ask about their specific policies.

Source: 75 Pa.C.S. § 1799.2(a) (statutory discount limited to age 55+)

Yes. This is one of the most important requirements and is unique to Pennsylvania. The statute requires that all named insureds on the policy must be 55 or older and must have completed the course. If your spouse is a named insured on your policy, both of you must complete the course and both must be 55 or older. If any named insured has not completed the course or is under 55, the statutory discount does not apply.

Source: 75 Pa.C.S. § 1799.2(a) (“all named insureds have attained the age of 55 years and have successfully completed a driver improvement course approved by the Department of Transportation”)

The course is designed for Pennsylvania drivers and the insurance discount under 75 Pa.C.S. § 1799.2 applies to insurance policies written by insurers authorized to do business in Pennsylvania. If you live in Pennsylvania, are insured in Pennsylvania, and meet the age requirement, you can take the course regardless of where your license was issued. However, the statutory discount applies specifically to Pennsylvania-regulated private passenger automobile insurance policies. If you hold an out-of-state license but carry a Pennsylvania auto insurance policy, contact your insurer to confirm how the discount applies to your situation.

Anyone can enroll in and complete the course for its educational value. However, the statutory insurance discount applies only to policies issued by insurers authorized to write private passenger automobile insurance in Pennsylvania. If you live in another state, your state may have its own mature driver or accident prevention course program with different requirements. Pennsylvania’s § 1799.2 discount is specific to Pennsylvania-regulated insurance policies. Check with your home state’s DMV and your insurance company to determine what courses qualify for discounts in your state.

You should take the course after you turn 55, since the statutory discount requires that all named insureds have “attained the age of 55 years.” However, remember that you also need all other named insureds on the policy to be 55+ and to have completed the course. The ideal timing is to complete the course shortly after turning 55 (or shortly after the last named insured turns 55), then submit your certificates to your insurer. At just $17.99 from DDI, there’s no reason to delay once you’re eligible.

Source: 75 Pa.C.S. § 1799.2(a)

Pennsylvania law guarantees a minimum discount of 5% on your private passenger automobile insurance premiums. The statute states the reduction shall be “not less than 5%,” meaning many insurers offer more — some provide discounts of 10% or even up to 15% depending on the company and your policy. At even the minimum 5%, the savings can easily amount to $50–$200+ per year depending on your current premiums, which far exceeds DDI’s $17.99 course fee. Contact your insurer to find out their exact discount percentage.

Source: 75 Pa.C.S. § 1799.2(a) (“a reduction in premium charges … The reduction shall not be less than 5%.”)

The insurance discount lasts for 3 years (36 months). Under 75 Pa.C.S. § 1799.2(c), continuing eligibility requires that the course be retaken every 3 years. After your initial 3-year discount period expires, you can renew it by completing the shorter Refresher course (4 hours) to maintain your discount for another 36 months. There is no limit on how many times you can renew — you can continue retaking the Refresher course every 3 years to maintain your discount indefinitely.

Source: 75 Pa.C.S. § 1799.2(c) (“Continuing eligibility. A person shall retake the course every three years.”)

The discount is mandatory by law. Section 1799.2(a) states that “all insurers authorized to write private passenger automobile insurance in this Commonwealth shall provide a reduction in premium charges” to qualifying policyholders. The word “shall” means the insurer has no discretion — they are legally required to provide the discount. The reduction must be not less than 5% and must be approved by the Insurance Commissioner as part of the insurer’s rate filing. If an insurer refuses to apply the discount to a qualifying policyholder, they are in violation of Pennsylvania law.

Source: 75 Pa.C.S. § 1799.2(a) (“shall provide a reduction in premium charges”)

After completing the course, you receive a certificate of completion from the course provider. This certificate is the basis for your discount qualification under 75 Pa.C.S. § 1799.2(b). Contact your insurance company or agent and submit the certificate. Most insurers accept the certificate through several methods:

Uploading through your online insurance account portal
Emailing a copy to your agent
Mailing or faxing a copy to your insurer
Providing it to your agent in person

Pro tip: Call your insurer before taking the course to ask about their preferred submission method and confirm the exact discount percentage they offer. That way, you can submit your certificate the same day you finish.

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Source: 75 Pa.C.S. § 1799.2(b) (“the participant shall be given a certificate by the sponsoring agency which shall be the basis for the discount qualification”)

The statute applies to “private passenger automobile insurance” policies broadly, not to individual vehicles. If all named insureds on your policy meet the requirements (age 55+ and course completion), the discount should apply to the policy as a whole, which covers all vehicles listed on it. However, the specific application may vary by insurer depending on how they structure their rate filings. Contact your insurance company to confirm exactly how the discount is applied across multiple vehicles on your policy.

Source: 75 Pa.C.S. § 1799.2(a) (“private passenger automobile insurance”)

No. The statute explicitly addresses this: “Successful completion of more than one course within any three-year period shall not entitle the insured to additional or increased premium discounts.” This means you only need to complete the course once every 3 years to maintain your discount. Taking the course a second time within the same 3-year window will not stack an additional discount on top of your existing one.

Source: 75 Pa.C.S. § 1799.2(a) (“Successful completion of more than one course within any three-year period shall not entitle the insured to additional or increased premium discounts.”)

The timing depends on your insurer’s billing cycle. Most insurers apply the discount at your next policy renewal after you submit proof of course completion. This means you won’t see a mid-policy adjustment in most cases — the discount kicks in when your policy next renews. The sooner you complete the course and submit your certificate, the sooner you’ll start saving at your next renewal. Some insurers may be able to apply it sooner — ask your agent about their specific process.

Source: 75 Pa.C.S. § 1799.2(a)-(b)

Yes — as long as your new insurer is authorized to write private passenger automobile insurance in Pennsylvania. The statute applies to “all insurers” in Pennsylvania, so any PA-authorized insurer must honor the discount if you meet the eligibility requirements. When you switch companies, simply provide your completion certificate to your new insurer. They are legally obligated to apply the discount just as your previous insurer was. Keep a copy of your certificate for exactly this purpose.

Source: 75 Pa.C.S. § 1799.2(a) (“All insurers authorized to write private passenger automobile insurance in this Commonwealth shall provide a reduction”)

Yes. PennDOT approves both classroom and online formats for the Mature Driver Improvement Course. DDI’s Pennsylvania course is 100% online, allowing you to complete the entire course from the comfort of your home on any device with an internet connection. Online courses that meet PennDOT’s approval standards are fully valid for earning the insurance discount — identical in every legal respect to classroom courses.

Take DDI’s PennDOT-approved course online →

Source: PennDOT Mature Driver Improvement Course (online format approved)

The Basic course is 7 hours and the Refresher course is 4 hours. Since DDI’s course is completely self-paced, you can work through the material at whatever speed is comfortable for you. There is no requirement to complete the course in a single sitting — you can spread it out over several days or even weeks. Many participants complete the Basic course over 2–3 sessions, while others prefer to work through it in one day. The Refresher course is shorter and can often be completed in a single afternoon.

Source: PennDOT Mature Driver Improvement Course (Basic: 7 hours; Refresher: 4 hours)

DDI’s course is completely self-paced. You can log in and out as many times as you need, and your progress is saved automatically every time. There is no requirement to complete the course in a single sitting, no daily minimums, and no per-session time limits. Work through it in one afternoon, or spread it out over several days or weeks — whatever fits your schedule. Many participants appreciate being able to take breaks and return right where they left off.

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DDI’s Pennsylvania Mature Driver course works on any device with an internet connection:

Desktop or laptop computers (Windows or Mac)
Tablets (iPad, Android, etc.)
Smartphones (iPhone, Android)

The course runs in any modern web browser — no special software, apps, or downloads required. You can even switch devices during the course; your progress saves automatically to your account. Start on your desktop and continue on your tablet from the couch — it’s entirely flexible.

The course includes knowledge checks and review questions throughout to reinforce the material you’ve learned. These are designed to ensure you’ve engaged with and absorbed the key safety concepts — not to create a stressful testing environment. PennDOT does not require a formal written examination. If you’ve been reading the course content, you should have no difficulty completing the assessments. If you don’t pass a review question on your first attempt, you can revisit the material and try again at no additional cost.

DDI’s course is designed to be straightforward and user-friendly, even for those who aren’t particularly tech-savvy. The interface is clean, navigation is simple, and you won’t encounter complicated software or confusing menus. Your progress is saved automatically after each section, so if you experience a technical issue — internet outage, device crash, browser freeze — simply log back in and resume where you left off. No progress is lost. If you need additional help, DDI offers customer support to assist with any technical difficulties.

Upon successful completion, you receive a certificate of completion from the sponsoring agency (course provider). Under 75 Pa.C.S. § 1799.2(b), this certificate is “the basis for the discount qualification.” It serves as your official proof that you’ve completed a PennDOT-approved mature driver improvement course and is the document you submit to your insurance company to activate your discount. With Defensive Drivers Institute, your certificate is available for immediate download the moment you finish the course — no waiting, no processing delays, no mailing time.

Source: 75 Pa.C.S. § 1799.2(b) (“the participant shall be given a certificate by the sponsoring agency which shall be the basis for the discount qualification”)

Your completion certificate includes:

Your full name
Date of completion
Course name and type (Basic or Refresher)
Course provider name and approval information
Indication that the course is PennDOT-approved
Course duration

This information provides your insurance company with everything they need to verify your completion and apply the discount to your policy.

Source: 75 Pa.C.S. § 1799.2(b) (certificate requirements)

You only need to submit the certificate to your insurance company. The discount is applied by your insurer, not by PennDOT. PennDOT’s role is approving the course and setting standards — once you’ve completed a PennDOT-approved course and received your certificate, PennDOT’s involvement is complete. Simply provide the certificate to your insurance company to activate your premium discount. There is no requirement to report your completion to PennDOT or any other state agency.

Source: 75 Pa.C.S. § 1799.2(b) (“the participant shall be given a certificate by the sponsoring agency which shall be the basis for the discount qualification”)

Yes. With DDI, your certificate is stored in your online account and can be downloaded or reprinted at any time. You’ll always have access to your completion record, so losing a paper copy is never a problem. Simply log back into your DDI account and download a fresh copy whenever you need it. This is a significant advantage of taking the course online — your records are permanently accessible.

Absolutely yes. Keep a copy of your completion certificate for your personal records. You may need it for:

Insurance verification — your insurer may request proof at renewal time
Switching insurers — a new insurance company will need proof of course completion to apply the discount
Tracking your renewal date — knowing when your 3-year discount period started helps you plan for your Refresher course
Dispute resolution — if there’s ever a question about whether the discount was properly applied

With DDI, your certificate is always available for re-download from your online account, providing an extra layer of security.

Your insurance discount lasts for 3 years (36 months) from the date of course completion. To maintain the discount beyond that period, you must retake the course before or shortly after the 3-year mark. Pennsylvania law under § 1799.2(c) states: “A person shall retake the course every three years for continuing eligibility for the premium discount.” Plan to complete the Refresher course as your 3-year anniversary approaches to avoid any gap in your discount.

Renew your discount with DDI for just $17.99 →

Source: 75 Pa.C.S. § 1799.2(c) (“A person shall retake the course every three years for continuing eligibility for the premium discount.”)

The Refresher course is 4 hours — significantly shorter than the 7-hour Basic course. It covers updated material and provides a condensed review of the most important defensive driving and safety topics. Since DDI’s course is self-paced, many participants complete the Refresher in a single session, though you can spread it out over multiple sessions if you prefer.

Source: PennDOT Mature Driver Improvement Course (Refresher: 4 hours)

Yes. You are not required to use the same provider for your Refresher course that you used for the Basic course. Any PennDOT-approved provider’s Refresher course is valid for renewing your discount. If you completed your Basic course with another provider and want to switch to DDI for the Refresher, you’re welcome to do so — and vice versa. The certificate from any PennDOT-approved provider will qualify you for the same statutory discount.

Source: 75 Pa.C.S. § 1799.2 (discount tied to completion of PennDOT-approved course, not specific provider)

If more than 3 years pass without retaking the course, your discount will expire and your insurance company will adjust your premium back to the non-discounted rate at your next renewal. However, you can reactivate the discount at any time by completing the Refresher course and submitting your new certificate to your insurer. There is no penalty for letting the discount lapse — you simply lose the savings for the period you’re uncovered. The sooner you complete the Refresher, the sooner your discount resumes.

Source: 75 Pa.C.S. § 1799.2(c) (continuing eligibility requires retaking every 3 years)

Yes. Under 75 Pa.C.S. § 1799.2(c), the insurer may require the following as conditions for continuing eligibility for the discount:

(1) No chargeable accidents during the discount period
(2) No convictions under Section 1535 (Pennsylvania’s schedule of convictions and points)
(3) No conviction or Accelerated Rehabilitative Disposition (ARD) for driving under the influence

These conditions are at the insurer’s discretion — the statute says the insurer “may require” them, not that it must. Not all insurers impose all three conditions. Contact your insurance company to find out which, if any, additional conditions they require for maintaining your discount.

Source: 75 Pa.C.S. § 1799.2(c)(1)-(3)

75 Pa.C.S. § 1799.2 (Driver improvement course discounts) is the controlling statute. It was added to Pennsylvania law by Act 6 of 1990 (February 7, 1990, P.L.11, No.6), effective July 1, 1990. The statute is located within Title 75 (Vehicles), Chapter 17 (Financial Responsibility), and mandates that all insurers authorized to write private passenger automobile insurance in Pennsylvania shall provide a premium reduction of not less than 5% to policyholders who meet the eligibility requirements.

Source: 75 Pa.C.S. § 1799.2 (enacted by Act 6 of 1990, eff. July 1, 1990)

No — not if the policyholder meets all the statutory requirements. The word “shall” in § 1799.2(a) creates a mandatory obligation: insurers “shall provide a reduction in premium charges.” The discount amount must be “not less than 5%” and must be “approved by the commissioner as part of the rate filing.” If a qualifying policyholder submits proof of course completion and the insurer refuses to apply the discount, the insurer is in violation of Pennsylvania law. You can file a complaint with the Pennsylvania Insurance Department if your insurer improperly denies the discount.

Source: 75 Pa.C.S. § 1799.2(a) (“shall provide a reduction in premium charges”; “The reduction shall not be less than 5%.”)

No. Section 1799.2(d) explicitly states: “This section shall not apply to the successful completion of a driver improvement course that is ordered by a court of competent jurisdiction as a result of a conviction under section 1535.” In other words, if you were ordered by a court to take a driver improvement course because of a conviction under Pennsylvania’s schedule of convictions and points (§ 1535), completing that court-ordered course does not qualify you for the insurance discount. The discount is only available for voluntary completion of the course.

Source: 75 Pa.C.S. § 1799.2(d) (“This section shall not apply to the successful completion of a driver improvement course that is ordered by a court of competent jurisdiction as a result of a conviction under section 1535.”)

Under § 1799.2(c)(3), your insurer may require that you have no DUI conviction or Accelerated Rehabilitative Disposition (ARD) as a condition for continuing eligibility for the discount. ARD is a pre-trial diversion program commonly used for first-time DUI offenders in Pennsylvania. If your insurer includes this as a condition and you have a DUI conviction or ARD on your record, they may deny the continuing discount — but this is at the insurer’s discretion, not an automatic disqualification. Not all insurers impose this condition. Contact your insurance company to understand their specific requirements.

Source: 75 Pa.C.S. § 1799.2(c)(3) (“no conviction of or acceptance of Accelerated Rehabilitative Disposition for driving under the influence”)

Pennsylvania’s Mature Driver Improvement Course program has several characteristics that set it apart from other states:

Age threshold: PA requires age 55+, which is lower than many states (e.g., Connecticut requires 60+, some states require 65+). This makes the program accessible to a wider range of drivers.

All-named-insureds requirement: PA is unique in requiring that all named insureds on the policy be 55+ and complete the course — not just the primary driver. Many states only require the principal operator to qualify.

3-year duration: PA’s discount lasts 36 months, which is longer than some states (e.g., Connecticut’s minimum is 24 months). This means fewer renewals and longer savings periods.

Insurer conditions: PA allows insurers to impose additional conditions for continuing eligibility (no chargeable accidents, no § 1535 convictions, no DUI/ARD) — a feature not all states include.

Minimum 5% discount: This is consistent with most states that mandate a minimum discount floor.

Source: 75 Pa.C.S. § 1799.2

No. The statute requires completion of “a driver improvement course approved by the Department of Transportation” — meaning PennDOT specifically. A course approved by another state’s DMV or DOT does not satisfy Pennsylvania’s requirement. If you’ve recently moved to Pennsylvania from another state, you’ll need to complete a PennDOT-approved course to qualify for the discount under Pennsylvania law, even if you previously completed a similar course in your former state.

Source: 75 Pa.C.S. § 1799.2(a) (“a driver improvement course approved by the Department of Transportation”)

You can take the course for its educational value, but the statutory discount under § 1799.2 applies only to insurers authorized to write private passenger automobile insurance in Pennsylvania. If you’re insured through an out-of-state policy, the Pennsylvania statute doesn’t compel your insurer to provide the discount. However, your state may have its own mature driver program with its own requirements. Check with your state’s DMV and your insurance company to determine what courses qualify for discounts where you’re insured.

DDI’s Pennsylvania Mature Driver Improvement Course costs just $17.99. That’s the complete price — no hidden fees, no processing charges, no extra certificate costs. At $17.99 for a course that guarantees you a minimum 5% insurance discount for 3 full years, the return on investment is extraordinary. Even a modest 5% discount on a typical Pennsylvania auto insurance premium can save you $75–$250+ per year, meaning the course pays for itself many times over in the first month alone.

Enroll now for just $17.99 →

Everything. DDI’s $17.99 course fee includes:

Full PennDOT-approved course content (Basic or Refresher)
Unlimited login sessions — work at your own pace
Automatic progress saving
All knowledge checks and assessments
Instant downloadable certificate of completion
Access to your certificate anytime through your account
Customer support

There are no additional fees for the certificate, processing, or any other component. The price you see is the price you pay — $17.99, period.

DDI offers one of the most affordable options available for the Pennsylvania Mature Driver Improvement Course. For comparison, some other providers charge $24.95 or more for the same PennDOT-approved course. Since every PennDOT-approved provider delivers a course that qualifies for the same statutory discount, the primary differences are price, convenience, and user experience. At $17.99, DDI provides exceptional value — a lower price point with the same legal validity, instant certificate delivery, and a modern, user-friendly online platform.

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Getting started is simple:

Visit DDI’s Pennsylvania Mature Driver Course page

Register — create your account and pay the $17.99 course fee
Start learning — begin the course immediately, at your own pace
Get your certificate — receive it instantly upon completion
Submit to your insurer — send the certificate to your insurance company and start saving

The entire process from enrollment to certificate can be completed in a single day if you choose — or spread it out over days or weeks. It’s entirely up to you.

Start your Pennsylvania Mature Driver course today — just $17.99 →

Yes. Since Pennsylvania requires all named insureds to complete the course, many couples enroll together. Each person creates their own account and completes the course independently at their own pace. Each person pays the $17.99 course fee and receives their own individual certificate of completion. You can then submit both certificates to your insurer at the same time to activate the discount on your shared policy. At $35.98 total for both of you, the investment pays for itself many times over with 3 years of insurance savings.

Enroll today — just $17.99 per person →

Yes. Since DDI’s course is 100% online, you can take it from anywhere in Pennsylvania — whether you’re in Philadelphia, Pittsburgh, Allentown, Erie, Reading, Scranton, Lancaster, or any other city or town in the Commonwealth. All you need is a device with an internet connection. There’s no need to drive to a classroom, find parking, or adjust your schedule around class times. Complete the course from the comfort of your own home on your own schedule.

Start your Pennsylvania Mature Driver course today — just $17.99 →