How to Get an Adaptive Headlights Discount

Most major auto insurance providers offer an adaptive headlights discount. However, this is only one of several auto insurance discounts to ask for when it comes to safety features. An adaptive headlights discount will typically save you 5% on your rate, but combined with other safety features you could end up saving 20% or more.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 28, 2021

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Things to Remember

  • Adaptive headlights can turn with the vehicle to always illuminate the road ahead of you.
  • You can save about 5% on your rates with an adaptive headlights auto insurance discount.
  • Combine other safety feature discounts to maximize savings.

In recent years, technology has improved vehicle safety features tenfold. One such feature is adaptive headlights. If your car has adaptive headlights, you may be wondering if you’re eligible for an adaptive headlights discount on your auto insurance.

Fortunately, some of the best auto insurance companies offer an adaptive headlights discount. Not only do adaptive headlights keep you safer on the road, but they can also save you money on your auto insurance rate.

Keep reading to learn what adaptive headlights are, how safety features lower your auto insurance rate, and how much you can save with adaptive headlights auto insurance discounts.

Save even more on car insurance with our free comparison tool above. Enter your ZIP code to find affordable auto insurance near you.

How much can I save with an adaptive headlights auto insurance discount?

When looking for cheap auto insurance rates, it’s important to find as many discounts as you can. You may have heard about the adaptive headlights discount and you’re probably wondering how much it can help you save.

An adaptive headlights discount alone will typically save you about 5% on your monthly auto insurance rate. Combine this with other safety feature discounts and you could be seeing savings up to 20% or higher.

Below is a table that shows which providers offer safety feature discounts. See how your provider stacks up.

Auto Insurance Safe Vehicle Discount Availability by Company
CompaniesSeat Belt Use Discount AvailabilityPassive Restraint Discount AvailabilityLane Departure Warning Discount AvailabilityForward Collision Warning Discount AvailabilityEmergency Deployment Discount AvailabilityElectronic Stability Control Discount AvailabilityDaytime Running Lights Discount AvailabilityAnti-Theft Discount AvailabilityAnti-lock Brakes Discount AvailabilityAdaptive Headlights Discount AvailabilityAdaptive Cruise Control Discount Availability
21st CenturyNoYesNoNoNoNoYesYesYesNoNo
American FamilyNoYesNoNoNoYesYesYesYesNoNo
Country FinancialNoYesNoYesNoYesYesYesYesYesNo
The GeneralNoYesNoNoNoNoNoYesYesNoNo
The HanoverNoYesNoNoNoNoYesYesYesNoNo
The HartfordNoYesNoYesNoNoYesYesYesYesNo
Liberty MutualNoYesYesYesNoYesYesYesYesYesYes
Safe AutoNoYesNoNoNoNoYesYesYesNoNo
State FarmNoYesNoNoNoNoNoYesYesNoNo
USAA NoYesNoNoNoNoYesYesYesNoNo
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If your current provider doesn’t offer the safety feature discounts you want, compare adaptive headlights discount rates from a few other companies to find one that does. Compare at least three auto insurance companies to find the best deal.

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Do safety features lower auto insurance rates?

Do more safety features lower car insurance? The answer is yes. Adaptive headlights, among other safety features, have a significant effect on your auto insurance rate.

In fact, according to the Insurance Institute for Highway Safety, studies show that curve-adaptive headlights reduce insurance claims. But which feature on your car is worth a discount on your car insurance?

Discounts will vary from company to company, but there are generally five safety features that can net you a discount on your auto insurance rate. Safety feature auto insurance discounts include:

  • Anti-lock brakes
  • Adaptive headlights
  • Forward collision warning
  • Electronic stability control
  • Number of airbags

These aren’t the only auto insurance discounts to ask for when shopping for auto insurance. With today’s advanced technology, countless new safety features are being introduced that auto insurance companies will give you discounts for.

If your current provider doesn’t have the safety feature discount you want, compare auto insurance quotes from other companies to find a better deal. You could end up saving much more with multiple safety feature discounts.

What are adaptive headlights?

There are a few different types of adaptive headlights, but all of them have one thing in common: they adjust to the environment around them.

Primarily, adaptive headlights refer to headlights that adapt to the direction your vehicle is traveling. For example, with standard headlights, when you turn a corner, your headlights stay straight and illuminate the space around the road.

In contrast, adaptive headlights have tiny motors that direct the path of the headlight to remain on the road at all times. In this way, when you turn a corner, your headlights pivot with you, illuminating the road ahead at all times.

Some adaptive headlights even adjust to the level of darkness around them, automatically switching to brights when necessary. If you’re worried about blinding oncoming drivers, adaptive headlights point down on the road so you don’t have to.

Now that you know about adaptive headlights and how much you can save, start shopping today. Enter your ZIP code into our free comparison tool below to buy discount auto insurance from providers near you.

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