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Electronic Stability 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 28, 2021

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Key Takeaways

  • You can save up to 5 percent on your premiums with an electronic stability control car insurance discount.
  • Electronic stability control improves the stability of your vehicle by detecting and reducing the loss of traction. Your breaks will be electronically applied, preventing you from losing control of your vehicle.
  • After 2011, electronic stability control systems were required in all newly manufactured vehicles in the United States.
  • Currently, at least nine different insurance providers offer an electronic stability control discount.

Chances are, your vehicle came equipped with some form of electronic stability control to prevent you from losing control of your vehicle and skidding on a slippery, busy road. Did you know you can also save up to 5 percent with an electronic stability control car insurance discount?

Stacking car insurance discounts is a great way to secure cheap car insurance rates. Inform your insurance agent about different safety features and technology installed in your vehicle to help you reduce your monthly car insurance premiums.

Comparing rates from different providers is important, as each company will offer different discount and savings opportunities. Enter your ZIP code into our FREE quote tool above to receive quotes from reputable providers near you, and don’t forget to ask about an electronic stability control discount.

What car insurance companies offer an electronic stability control discount?

Electronic stability control, or ESC systems, prevent your vehicle from sliding, slipping, and potentially even flipping over when driving on the road.

ESC systems rely on computer-controlled braking for each separate wheel. This technology prevents you as the driver from losing control of your vehicle in severe driving situations.

In fact, in 2011, to reduce rollover collisions, the National Highway Traffic Safety Administration (NHTSA) suggested that electronic stability control be a required feature in private passenger automobiles.

In the table below, see which insurance providers offer an electronic stability control car insurance discount. If specific details about savings are available, it has been included in the data.

Electronic Stability Control Discounts Offered by Car Insurance Company
CompaniesElectronic Stability Control Discount Offered
AllstateYes - 2%
American FamilyYes
AmicaYes - 5%
Country FinancialYes
Liberty MutualYes - 5%
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Currently, nine different providers offer a discount if your vehicle has an ESC system in place. Your discounted electronic stability control car insurance rates can range from as little as 2 percent to as much as 5 percent, depending on your insurance company.

While our list focuses on national companies, some local insurance providers in your area may also offer this style of discount.

When in doubt, always ask an agent. Otherwise, your provider has no way of knowing if you and your vehicle qualify for specific discounts.

What is electronic stability control?

What is electronic stability control and how do you know if your vehicle is equipped with this safety feature? ESC systems prevent drivers from losing control of their vehicles. The technology stops you from plowing out or spinning out with your car.

Plowing into another vehicle or object happens when you lose control of the front of your vehicle. Spinning out refers to losing control of the rear of your vehicle.

ESC systems do not directly prevent rollovers, however, data has shown that this technology has reduced the number of rollovers that happen on the roads each year. Rollovers are the most common and most severe single-vehicle accident type.

How exactly does this technology work? Sensors in your vehicle read the direction your car is going, including the position of your steering wheel and the status of your brakes on each tire.

If those sensors detect that your vehicle is heading in a direction you did not intend for it to go, the ESC system kicks on and corrects your car. The ESC system will adjust the speed of your vehicle, as well as the brakes.

If you take a turn too sharp, or not sharply enough, your electronic stability control will turn on and prevent you from crashing your vehicle. The ESC system also helps when you’re driving on slippery roads, such as during winter weather or a rainstorm.

Your vehicle’s electronic stability control works in tandem with your anti-lock brakes. If your anti-lock brakes are malfunctioning, your ESC system most likely will also not work.

How can I qualify for an electronic stability control car insurance discount?

To qualify for the ESC system car insurance discount, you should first verify that your vehicle has electronic stability control. This is especially relevant if you drive a 2010 model or older.

Beginning in September of 2011, electronic stability control became a requirement for all new cars. However, if your car is a 2010 or older, it may not have an ESC system installed.

According to the Insurance Institute for Highway Safety (IIHS), in 2014 only 47 percent of registered motor vehicles had an ESC system installed. The IIHS estimates that it will take until the year 2032 before 95 percent of vehicles on the roads have electronic stability control.

You can always check your car’s manual for more information about the electronic stability control features your vehicle may or may not have.

New cars, like the 2020 Chevrolet Equinox, the 2020 Toyota Camry, and the 2020 Honda Civic, will have ECS systems installed.

Next, inform your insurance agent about your car’s ESC system and directly ask about the discount. Otherwise, your provider has no way of knowing you might qualify for this deal.

Remember, every company offers different types of discounts and different savings amounts. If your provider currently does not have an ESC systems discount, consider shopping around for a new car insurance company.

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How much can I save with an electronic stability control car insurance discount?

Overall, expect to save around 5 percent on your car insurance rates with an electronic stability control discount, such as a Honda Sensing insurance discount. This might feel like a small number but remember that car insurance discounts stack.

Qualifying for a handful of smaller discounts can eventually lead to some massive savings.

One reason why the savings are relatively minor for this safety feature is that all newly manufactured vehicles are now required to have ESC systems installed. In other words, this is no longer a safety-addition but is instead the standard.

Another reason why the discount amount is low has to do with costs. While electronic stability control has certainly made roads safer, the technology to create reliable ESC systems can be expensive.

There might be fewer claims filed each year, but a claim made for a vehicle with a broken ESC system is going to cost insurers much more than one without it. Therefore, the discount amount is designed to maintain an appropriate balance.

You now know how to secure affordable electronic stability control car insurance discounts with ease. Don’t forget that every insurance company offers different discounts, so always shop around and compare policies between multiple providers before signing your name on any dotted lines.

Enter your ZIP code into our FREE online quote comparison tool and don’t forget to ask about your electronic stability control car insurance discount.


  1. https://www.nhtsa.gov/fmvss/federal-motor-vehicle-safety-standards-electronic-stability-control-systems-0
  2. https://www.iihs.org/news/detail/life-saving-benefits-of-esc-continue-to-accrue

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