Frequently Asked Questions.

Please read below for frequently asked questions for the state of New York.


What is the cost of the course, and how do I pay?

In the state of New York, the AARP Smart Driver™ online course for Insurance and Point Reduction is $27.95 for members and $32.95 for non-members.* New York State residents may make their payments online using any major credit card through our secure server.

*The cost of the course includes an additional $8, to cover fees payable to the New York Department of Motor Vehicles, as part of being an approved point and insurance reduction course.

Due to the sensitive nature of credit card transactions, AARP Driver Safety uses the latest encryption technology to ensure maximum security. Protecting your information is a priority, and we have taken the steps to ensure the safest transaction possible.

AARP Driver Safety uses Secure Sockets Layer (SSL) technology to protect the security of your online order information. To check the security of your connection, look at the lower right-hand corner of your browser window after accessing the server. If you see an unbroken key or a closed lock (depending on your browser), then SSL is active and the server is secure. You can also double-check by looking at the URL line of your browser. When accessing a secure server, the first characters of the site address will change from "http" to "https." Some versions of browsers and some firewalls don't permit communication through secure servers. In that case, you won't be able to connect to the server and will not be able to place an order through a secure connection. If you cannot access the secure server for any reason, please register for the course by phone at 1-800-350-7025.

You are able to receive a refund if for any reason you do not complete the course or do not wish to continue it. You will have 30 days from the date of registration to request that a refund be credited back to your credit card account. Unfortunately, we are unable to issue refunds after 30 days and/or after the course completion certificate has been processed. To request a refund, contact Customer Service at 1-800-350-7025 or email All refunds will be issued within 30 days following receipt of a permissible request for cancellation.

Unfortunately, once a user has completed the course, the course material is no longer accessible. However, all participants can access our Driving Resource Center to continue learning and testing their knowledge after the course ends. Visit

Account Creation

You will need the following information when registering for this course:

  • Driver’s License Number or NYCID (required for certificate of course completion)
  • Credit card account information
  • AARP member number (required for AARP discount)

The AARP New York course incorporates an identity verification process. You will be asked to enter a phone number that will be used to validate your identity while in the course. Throughout the course, you will be asked to call in from the same telephone number you provided, and the system will validate the caller ID and ask date-of-birth-related questions which you answered at the beginning of the course. You will also be required to answer Personal Validation Questions derived from the registration information.

It is the national procedure of AARP Driver Safety to collect the driver’s license information and date of birth of each course participant. This information is required to guard against fraudulent use of the Certificates of Completion and to maintain the integrity of the program in the view of the insurance industry, state departments of motor vehicles, and state insurance commissions.

General Course

The AARP Smart Driver™ online course (a recognized New York State Internet Point and Insurance Reduction Program) is six (6) hours in length. You may complete the course all in one sitting or you can choose to complete the course at your own pace, logging on and off at your convenience. The course will automatically keep track of your progress so that when you log back on, your course will resume from where you left off. New York State residents have 30 days from the date of registration to complete this course in order to receive a certificate

If you started the course at a computer in one location and want to continue at another, simply log in using your username and password. The online version of the AARP Smart Driver™ course is designed to be convenient. You may take the course at any time from any location on a computer with an Internet connection.

Follow the useful guidelines below for finding your way around the course:

  • Use the Next and Back buttons in the lower right corner to move forward and backward through the course
  • On some slides, you may need to complete an activity before selecting the Next button
  • If you open a text box during an activity, you may also need to select the Click to Return button to close the box and continue
  • Use the controls at the bottom to adjust the volume, pause the slide, and replay the slide
  • The menu on the left lets you know where you are in the course. You can select the white triangles next to the menu items to expand and collapse each unit and its topics
  • You will need to take the course in order and cannot jump ahead. However, you can go back to the slides you have already visited by selecting the menu items
  • You can select the Resources link on the upper right side to download the helpful documents that are available throughout the course
  • You can select the Exit link in the upper right corner to leave the course at any time
  • You can always return to the course and pick up where you left off, so please be sure to use the Exit link to save your place

The online version of the AARP Smart Driver™ course is professionally narrated and animated with graphic illustrations of the concepts being taught.

There are six (6) section-end quizzes contained in the course, which are conducted online. The quizzes are graded and must be passed with a minimum score of 80%. The main purpose of these quizzes is to help you feel comfortable that you understand the information being presented and to verify your participation in the course. You will have two (2) attempts at passing the section-end quiz prior to being locked out of the course. If you are locked out of the course, you may call the Customer Service line at 1-800-350-7025 for assistance. There is no final exam.

Periodically throughout the course, you will also be required to participate in quizzes taken over the phone to validate your identity. When prompted, you must call 1-800-350-7025 right away to take your quiz. Please make sure you are in a quiet place so outside noise does not interfere with the testing process.

In compliance with New York State Vehicle and Traffic Law Section 215(a), 399-1 and 399-n, and Section 2336 of the Insurance Law, licensed New York motorists may complete an Internet Point and Insurance Reduction Program, lasting a minimum of approximately 340 minutes. Upon completing this course and if you are the principal operator of a motor vehicle, you will receive a minimum 10% reduction in the base rate of your automobile and motorcycle liability and collision insurance premiums each year for three years. You may be eligible to reduce as many as four (4) points on your driving record. The DMV computer will automatically note your eligibility to receive the reduction. Please check with your insurance company or agent for any additional requirements for eligibility.

NOTE: The point total cannot be reduced below zero. Point reduction can only be credited once every eighteen (18) months. Points which are reduced remain on a motorist's record, but are not counted by the Department in determining further administrative actions against the licensee. Point reduction does not affect actions mandated by statute, such as license revocation for three (3) speeding convictions within eighteen (18) months and point reduction does not affect suspensions or revocations already in place.

You will receive your Certificate of Completion within 5-15 business days after you complete the course via standard U.S. Mail. If you need to receive your certificate sooner, we offer an express service for an additional fee (FedEx – 2 day, Standard Overnight, Priority Overnight.)

Upon purchasing the course for a family member or friend, you will be asked to provide the state in which the recipient has a valid driver’s license, his/her full name and email address. Once the course has been purchased, you will receive a confirmation email, and the recipient will receive an email notifying him/her that he/she has received an AARP Smart Driver online course from you. Before beginning the course, the recipient will be prompted to set up his/her user account, and then he/she will be ready to get started.

After purchasing the course for a family member or friend, you will receive an email with your receipt, along with a notification that your gift has been emailed to the intended recipient.


If you get disconnected from your Internet provider for any reason, simply reconnect and log back in to and start your course again. You can continue the course from where you left off.

Our expertly trained Customer Support staff is ready to help you 7 days per week. You can contact our friendly representatives by phone or email, whichever works better for you.

Speak to a representative: 1-800-350-7025

If you prefer to correspond by mail, please mail us at:
AARP Driver Safety
4201 FM 1960 West, Ste. 100
Houston, TX 77068

Unfortunately, the course is unavailable on tablet or mobile devices at this time.


  • Internet Explorer, Firefox and Google Chrome
    (The AARP Smart Driver online course is compatible with the current and previous version of each browser above.)


  • Adobe Flash Player
  • Adobe Reader

Operating System:

  • Windows XP SP3, Windows 2003, Windows Vista, Windows 7, Windows 8, or Windows 10
  • Mac OS X 10.4 or greater
  • Linux


  • Sound card
  • Speakers or headphones
  • Mouse or other pointing device
  • Screen resolution 1024x768
  • Broadband Internet connection (DSL, T1, cable modem, ISDN)
  • Dial-up Internet access is not supported

How to Find Your System Information

The location of your system information will vary based on the operating system you are using. To see steps to system information for each operating system, click here.

Windows XP, 2003, and Vista

  • Click "Start" on the Taskbar
  • Go to "All Programs"
  • Go to "Accessories"
  • Go to "System Tools"
  • Click "System Information"

Windows 7

  • Click "Start" on the Taskbar
  • Click on Control Panel
  • Click on System.D19


  • Go to Finder, which will be an icon in your dock
  • Click "Macintosh HD"
  • Open the "Application" folder
  • Open the "Utilities" folder
  • Click on "Apple System Profile", and read the information that comes up

Additional Info

AARP Smart Driver™ Online Course

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