1. States
  2. PassiveRestraintCarInsuranceDiscount

Passive Restraint Car Insurance Discount

Enter your zip code below to view companies that have cheap auto insurance rates.

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 ...

Full Bio →

Written by

UPDATED: Mar 2, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key Takeaways

  • A passive restraint car insurance discount is given to policyholders who own cars equipped with passive restraint systems
  • Two of the most common passive restraint systems are airbags and seat belts
  • Many of the top car insurance companies offer passive restraint discounts with savings of up to 40 percent

Trying to find cheap car insurance can be a daunting task, but knowing which discounts you qualify for can help. Below, we’ll discuss the passive restraint car insurance discount and how much you may be able to save if you are eligible.

Before you begin reading, enter your ZIP code into our free quote comparison tool above to find affordable car insurance quotes from car insurance companies in your area now.

Always do your research before you buy car insurance.

What is a passive restraint car insurance discount?

A passive restraint car insurance discount is given to policyholders who own a car equipped with a passive restraint system.

A passive restraint system is any safety feature that is continuously working to prevent harm to the driver if an accident occurs.

The most popular types of passive restraint systems are airbags and passive seat belts. (Many companies require automatic locking seat belts to qualify for the discount.)

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How much can I save with a passive restraint discount?

The amount you can save with a passive restraint discount depends on your car insurance company. Many top car insurance companies offer passive restraint discounts, but the amount they will take off your rates will vary.

While the average savings from a single car insurance discount is around 10 percent, you could find a passive restraint car insurance discount for up to 40 percent savings.

Having a passive restraint discount could reduce your total premium, or it could reduce only a part that will go toward a specific type of coverage, such as personal injury protection or another medical-related coverage. How your premium is reduced will also depend on the company.

Where can I get a passive restraint car insurance discount?

As we mentioned above, many of the top insurance companies offer passive restraint car insurance discounts. Here is a short list:

Companies with Passive Restraint Discounts
CompanyDiscount AmountRequirements
State FarmUp to 40% on medical-related coverageVehicles 1993 and older, with a factory-installed airbag or other passive restraint system
Geico25% for driver’s seat airbags
40% for full front seat airbags
Airbags
AllstateUndisclosedAirbags and motorized seat belts
USAAUndisclosedFactory installed passive seat belts and/or airbags
FarmersUndisclosedVaries by state; generally, automatic, factory-installed seat belts and airbags
Erie InsuranceUndisclosedFactory installed airbags
KemperUndisclosedSeparate Airbag Discount and Passive Restraint Discount (i.e. automatic seat belts)
Auto-OwnersUndisclosedAirbags
The HartfordUndisclosedMore than one airbag
Get Your Rates Quote Now
Compare RatesStart Now →

Keep in mind that not all companies will call it a passive restraint discount, so you should read the discount descriptions carefully. You may also find the company won’t advertise a discount but reduce your car insurance rates anyway.

Which car insurance company is cheapest with a passive restraint car insurance discount? Enter your ZIP code into our free quote comparison tool below. to compare car insurance companies near you.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles