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Lane Departure Warning 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 20, 2021

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Key Takeaways

  • You can save a small percentage on your premiums with a lane departure warning car insurance discount.
  • Lane departure warning systems use a camera, usually installed above your rearview mirror, to detect if your vehicle crosses lanes by accident. A beep, light, or small alarm will sound to warn the driver.
  • Currently, at least four different insurance providers offer a lane departure warning discount.

If your vehicle has a lane departure warning system, it will alert you with an audio or visual alarm if you unintentionally move outside of your lane. Did you know you can also receive a lane departure warning car insurance discount through some major providers?

One of the best ways to secure cheap car insurance is by qualifying for discounts. If your vehicle has certain safety features or anti-theft devices installed, you may receive a small percentage off of your total premiums. Keep reading to learn if you qualify for a lane departure warning discount, and what companies offer this opportunity.

Each insurance provider will offer different discounts with different levels of savings. Compare lane departure warning discounts and more from reputable insurance companies near you by entering your ZIP code into our FREE quote tool above.

What car insurance companies offer a lane departure warning discount?

Lane departure warning systems are becoming more common in newer vehicles. According to a study reported by the Insurance Institute for Highway Safety (IIHS) shows that lane departure warnings decreased the number of sideswiping accidents by 11 percent.

Because lane departure warning systems make you a lower-risk driver and minimize your chances of getting into an accident and filing a claim, some companies will provide you with a discount just for driving a car with this technology.

In the table below, check out what national insurance providers off a lane departure warning car insurance discount.

Lane Departure Warning Discounts Offered by Car Insurance Company
CompaniesLane Departure Warning Discount Offered
Liberty MutualYes
MetLifeYes
NationwideYes
ProgressiveYes
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Liberty Mutual, MetLife, Nationwide, and Progressive all reward customers with a discount for having a lane departure warning system. However, lane departure warning car insurance discount rates are not made publicly available. Your actual savings percentage, therefore, will depend on your local agency.

Keep in mind that this list focuses only on major providers. Some smaller local companies in your area may also offer a lane departure warning discount.

What is lane departure warning?

What is lane departure warning and how do you know if your vehicle is equipped with this technology? A camera, usually installed above the rearview mirror, monitors lane markings on the road.

If your vehicle drifts beyond the markings with no turn signal activated, the alarm will go off, informing you, the driver, to readjust your steering wheel.

In most vehicles, if your turn signal is on and your vehicle is heading in that direction, no alarm will sound. However, if no turn signal has been activated, the lane departure warning alarm will go off. It is important to note that this type of system does not take control of your vehicle.

To verify if your vehicle is equipped with a lane departure warning system, check your vehicle’s user manual. Another good indicator would be if you’ve ever heard a beep or seen a symbol appear on your dashboard when drifting between lanes.

Newer car models that feature lane departure warning systems include the 2020 Nissan Sentra, the 2020 Volkswagen Golf, and the 2020 Jeep Grand Cherokee.

While this technology is not required in all new vehicles, it is recommended by the National Highway Traffic Safety Administration (NHTSA). The NHTSA reports this technology prevents both sideswiping accidents and rollovers, which happen when a vehicle leaves the road.

How can I qualify for a lane departure warning car insurance discount?

Qualifying for a lane departure warning car insurance discount is relatively easy. First, confirm your vehicle has this technology installed. Next, inform your insurance agent and ask them directly if you qualify for any savings.

Your provider has no way of knowing what safety features are installed on your vehicle unless you tell them directly. Never be afraid to ask directly about discounts you believe you’ve earned.

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How much can I save with a lane departure warning car insurance discount?

While there is no specific savings amount available publically for the lane departure warning discount, expect to save between 3 to 5 percent on your annual premiums.

While the amount you save is relatively small, know that car insurance discounts stack. Earning a handful of smaller savings can therefore lead to a massive discount.

One reason why lane departure warning car insurance discounts are so low has to do with repair costs. Even though the technology lowers your driving risks and keeps you safer on the roads, replacing a lane departure warning system is expensive.

The discount amount is therefore created to balance both your safer driving and the costs associated with replacing this technology.

Similarly, driver errors still occur. Many drivers claim to rely solely on lane departure warnings while driving, which is not actually safer. Some critics argue that the alarm is more distracting to drivers than it is helpful. Another fear is that this encourages lazy driving and relies too heavily on the alarm, instead of the driver actually visually checking lanes.

You are now an expert on securing an affordable lane departure warning car insurance discount. As you can see, it’s important to always shop around and compare rates and discounts from multiple companies before choosing a car insurance provider.

Whether you’re looking for a lane departure warning car insurance discount, or something else, enter your ZIP code into our FREE online quote tool to compare rates from reputable providers near you.

References:

  1. https://www.iihs.org/news/detail/stay-within-the-lines-lane-departure-warning-blind-spot-detection-help-drivers-avoid-trouble
  2. https://www.nhtsa.gov/equipment/driver-assistance-technologies

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