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Adaptive Cruise Control Car Insurance Discount

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jan 15, 2021

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Key Takeaways

  • You can save around 5 percent on your premiums with an adaptive cruise control car insurance discount.
  • Adaptive cruise control is an autonomous driving feature where your vehicle adapts its speed based on driver inputs and what is happening on the road around it.
  • Currently only Liberty Mutual, MetLife, Nationwide, and Progressive offer adaptive cruise control discounts.

Qualifying for car insurance discounts is a great way to keep your rate low. Not only do these discounts stack together, but each company offers different types of discounts with different levels of savings. In this brief guide, we’ll discuss adaptive cruise control car insurance discounts.

Do you drive a vehicle with autonomous, self-driving cruise control features? If your goal is cheap car insurance, it might be worth asking your provider about an adaptive cruise control discount. Keep reading to learn what companies offer this savings opportunity, how much you might save, and how to tell if your vehicle is eligible.

Cars with adaptive cruise control can receive a small discounted rate from some providers, but make sure you’re paying your best rates by entering your ZIP code into our FREE quote comparison tool above.

What car insurance companies offer an adaptive cruise control discount?

Not every insurance company offers the same car insurance discounts. Some discounts are to reward customer loyalty, others are to reward safety features or anti-theft devices installed in the actual vehicle being insured.

A total of four car insurance companies offer an adaptive cruise control discount. Take a look at the table below for more details. If specific savings amounts are publicly available, it has been included in the data.

Adaptive Cruise Control Discounts Offered by Car Insurance Companies
CompaniesAdaptive Cruise Control Discount Offered
Liberty MutualYes - 5%
MetLifeYes
NationwideYes
ProgressiveYes
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As you can see, only Liberty Mutual, MetLife, Nationwide, and Progressive reward customers with this discount.

While this is an affordable adaptive cruise control car insurance discount, it is not the most substantial. The total percent saved is relatively minor, with Liberty Mutual offering a 5 percent discount.

What is adaptive cruise control?

We’ve discussed adaptive cruise control car insurance rates, but what is adaptive cruise control and how do you know if your car has this feature?

Adaptive cruise control is an advanced driver-assistance system. It adjusts the speed of your vehicle automatically to maintain a safe distance from other cars on the road.

Usually, your cruise control button is located on the steering wheel of your vehicle. Check your user manual when not driving your vehicle to learn how to safely activate and set your cruise control.

Adaptive cruise control goes by many other names, including dynamic cruise control, intelligent cruise control, autonomous cruise control, and more. The National Highway Traffic Safety Administration (NHTSA) scores vehicle automation such as adaptive cruise control on a scale of 0 to 5, or no automation to full automation.

In partial cruise control vehicles, scored as a 1 or 2 by the NHTSA scale, the cruise control turns off once your car reaches a set minimum speed, requiring the driver to intervene.

This is different from fully-automated cruise control, scored as a 5 by the NHTSA, in which your vehicle responds to traffic signals and other on-road activity on its own.

The major categories of adaptive cruise control include automatic full-speed range, vehicles with traffic jam assist or stop and go features, and partial cruise control.

Full speed range adaptive cruise control features are able to bring the car to a full stop. However, the car must be reactivated to continue moving. Usually, the driver just needs to tap a foot on the gas pedal lightly.

Vehicles with traffic jam assist, or stop and go features, are able to resume from a standstill and drive safely in bumper to bumper traffic.

How can I qualify for an adaptive cruise control car insurance discount?

To qualify for an adaptive cruise control discount, you will need to first make sure your vehicle is equipped with this safety feature.

Currently, the 2020 BMW 3 Series, the 2020 Hyundai Sonata, and the 2020 Nissan Altima have adaptive cruise control options. Check your vehicle’s user manual for more information about if your specific vehicle has an adaptive cruise control feature.

Once you’ve verified your level of adaptive cruise control, contact your insurance provider and inform your local agent that your vehicle is equipped with said safety feature. This is the only way for your insurance agent to know that you are eligible for the discount.

Keep in mind that currently Liberty Mutual, MetLife, Nationwide, and Progressive all advertise this discount. Some smaller local agencies may also provide you with this savings opportunity. Never hesitate to ask a provider about potential savings opportunities.

Keep in mind that the adaptive cruise control discount may not be offered in every state. This is because car insurance laws and regulations vary by state.

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How much can I save with an adaptive cruise control car insurance discount?

You will save around 5 percent of your total car insurance premium with an adaptive cruise control discount. While this is not a huge amount, remember that car insurance discounts stack.

Qualifying for a handful of smaller discounts can therefore lead to some substantial savings in the long run.

Autonomous driving appears to be the direction many car manufacturers are moving towards. Currently, adaptive cruise control is not considered to be a common vehicle feature.

According to the Insurance Institute for Highway Safety (IIHS), advanced driver assistance technology has already helped reduce the number of fatal car accidents. However, the technology used in adaptive cruise control mostly works on high-speed stretches of road where accidents are already infrequent.

Adaptive cruise control certainly helps you be a better driver, but not by a substantial amount. Therefore, the discount you receive from your car insurance provider is relatively minor.

Another reason why discounts for adaptive cruise control are on the low side has to do with repair costs. Despite the fact that adaptive cruise control makes you a less risky driver, this technology costs insurance providers more money to repair your vehicle.

You are now an expert on the adaptive cruise control car insurance discount. Every car insurance company provides different discounts and opportunities to its customers. Before purchasing a car insurance policy, always shop around and compare quotes from multiple different providers.

Whether you’re hoping for an adaptive cruise control discount, safe driver discount, or something else, enter your ZIP code into or FREE online quote tool to find the insurance company best suited for you.

References:

  1. https://www.nhtsa.gov/technology-innovation/automated-vehicles-safety
  2. https://www.iihs.org/topics/advanced-driver-assistance

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