Adaptive Cruise Control Car Insurance Discount

An adaptive cruise control car insurance discount will only be around 5 percent and isn’t available everywhere. Collision avoidance system insurance discounts aren’t as big as you would think. Keep reading to find out which feature on your car is worth a discount on your car insurance and check to see if you are eligible for any hidden auto insurance discounts.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 2, 2021

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Here's What You Need to Know

  • Adaptive cruise control discounts are low and hard to find.
  • Although car safety features won’t get you big car insurance discounts, you can bundle them to save more.
  • You may be eligible for other discounts like good student or multi-vehicle.

While you might think you’re going to get a huge adaptive cruise control car insurance discount, that isn’t the case.

Do more safety features lower car insurance?

Car insurance companies generally offer some sort of discount for the newer safety features in vehicles today, but discounts are usually low.

Some features can earn you up to 20 percent, but usually, discounts fall under 10 percent.

Although discounts are a great way to get cheap car insurance, shopping around will help you find the lowest rates out there.

Enter your ZIP code now to compare quotes and see who has the best adaptive cruise control discount.

Adaptive Cruise Control and Car Insurance

Adaptive cruise control adjusts your speed to maintain a safe distance from the car in front of you. This is especially helpful on interstates or long road trips.

According to a 2018 AAA survey, 29 percent of people trusted their adaptive cruise control enough to do other things while driving.

This sounds like a great safety feature, so why don’t auto insurance companies offer adaptive cruise control insurance discounts?

First, this is a fairly new addition to cars in the last couple of years and isn’t available on all cars. Although it assists in safe driving, it’s not widespread enough to garner big car insurance discounts.

Second, car insurance companies have pointed out that these new safety features cost more to repair.

For example, if your side mirror has blindspot detection, it can cost thousands of dollars to replace it. Before, a side mirror only cost a couple of hundred dollars to replace.

There are some car features that lower insurance rates. Take a look at this table to see which hidden auto insurance discounts are already in your car.

Car Insurance Discounts Available by Company
CompaniesAdaptive HeadlightsAdaptive Cruise ControlAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlForward Collision WarningGreen VehicleLane Departure WarningNewer VehiclePassive RestraintVIN EtchingVehicle Recovery
21st CenturyN/AN/AYesYesYesN/AN/AYesN/AYesYesN/AYes
AAAN/AN/AYesYesYesN/AN/AN/AN/AYesYesN/AYes
AllstateN/AN/A10%10%2%2%N/A10%N/A30%30%N/A10%
American FamilyN/AN/AYesYesYesYesN/AN/AN/AN/A30%N/AYes
AmeripriseN/AN/A3%3%YesN/AN/AN/AN/AN/A3%N/A5%
AmicaYesN/A5%25%N/A5%8%N/AN/AN/A30%N/A10%
Country FinancialYesN/AYes10%YesYesYesN/AN/A10%YesN/AN/A
EsuranceN/AN/A5%25%YesN/AN/AYesN/AYes33%Yes25%
FarmersYesN/AYesYesYesYesN/A5%N/AYesYesYesYes
GeicoN/AN/A5%25%1%N/AN/AN/AN/AYes40%N/A25%
Liberty Mutual5%5%5%20%5%5%5%10%YesN/AYes5%35%
MetLifeYesYes5%10%5%YesYesN/AYesYes5%10%10%
NationwideYesYes5%25%5%YesYesN/AYesYes20%Yes25%
ProgressiveYesYesYesYesYesYesYesN/AYesYesYesYesYes
Safe AutoN/AN/A5%N/A5%N/AN/AN/AN/AYes5%YesYes
SafecoN/AN/AYesYesN/AN/AN/AN/AN/AYes2%YesYes
State FarmN/AN/A5%15%N/AN/AN/AN/AN/A40%40%N/A5%
The GeneralN/AN/A8%8%N/AN/AN/AN/AN/AN/A8%N/A8%
The HanoverN/AN/A5%5%5%N/AN/AN/AN/AN/A5%N/AYes
The Hartford3%N/A3%3%3%N/A3%3%N/A3%3%N/A3%
TravelersN/AN/AYesYesYesN/AN/A10%N/A10%YesYesYes
USAAN/AN/AYesYesYesN/AN/AN/AN/A12%YesYesYes
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Liberty Mutual offers a 5 percent discount for adaptive cruise control, but most companies don’t offer a discount at all. Collision avoidance system insurance discounts are pretty low or non-existent across the board.

The good news is that if your car has multiple safety features, you can bundle them to save even more money.

Watch this video to learn more about how adaptive cruise control works.

You can easily see how useful this safety feature is, even if you aren’t getting a car insurance discount. Check with your agent to see if your company offers this discount.

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Ways to Receive a Discount on Vehicle Insurance

There are so many discounts out there for car insurance. Whether you’re looking for what insurance companies give discounts for defensive driving or who offers good student car insurance discounts, there’s something for everyone.

A few of the more common discounts offered by a number of companies are:

  • Safe driving
  • Multi-car
  • Multi-policy
  • Low mileage
  • Occupation
  • Loyalty

The best way to find out what discounts are available to you is to shop around. Your car insurance policy renews every six months or year. That is the perfect time to check to make sure your rates are still competitive.

Other ways to save include keeping a good driving record and credit score. While adaptive cruise control car insurance discounts for seniors may not save much, a defensive driving program can make a difference. Also, speak with an agent to customize the coverages you need so you’re getting the most bang for your buck.

Now that you know more about car insurance discounts, compare quotes to get the best rates. Enter your ZIP code now to see if your adaptive cruise control can earn you a discount.

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