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Seat Belt Use 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: Mar 1, 2021

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Key Takeaways

  • Seat belt use is important to ensure safety while operating or riding in a car
  • Some car insurance companies offer seat belt use discounts or discounts just for having motorized seatbelts in your car
  • Seatbelts along with airbags are known as passive restraints, and some car companies will offer large discounts for the use of them

A seat belt use car insurance discount may already be applied to your car insurance policy. Some car insurance companies apply these discounts automatically when you fill out your vehicle make and model information. These discounts can help you get and maintain cheap car insurance.

The seat belt use car insurance discount is less about proving that you consistently wear your seat belt and more about if your vehicle is equipped with motorized or automatic seatbelts.

Many car insurance companies lump seat belts and airbags together in one passive restraint discount. If you have a newer car, this discount was likely already applied to your policy automatically.

If you’re ready to compare car insurance rates with seat belt discounts, enter your ZIP code above to compare car insurance rates from the top companies in your area.

What is a passive restraint car insurance discount?

Passive restraint refers to safety features that help protect you when an accident occurs. Passive restraints most commonly include automatic seat belts and airbags. Many car insurance companies offer a passive restraint discount to lower comprehensive coverage even if the discount is not publicly advertised.

In many cases, this discount is automatically applied to your policy based on the make and model of your car. Active restraints are similar to passive restraints, but instead of helping in the event of an accident, active restraints help you avoid accidents. A common example of an active restraint would be a lane departure warning feature in your car.

You can learn more about potential car insurance discounts and savings with this helpful resource from the Insurance Information Institute.

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Which car insurance companies offer passive restraint discounts?

Like we stated previously, many car insurance companies will discount policies based on passive restraints in the car being insured. However, not all car insurance companies advertise the fact that they do this.

Take a look at some of the top companies and whether or not they publicly offer passive restraint discounts for car insurance policies.

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
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As you can see, many insurance providers do not disclose their passive restraint discounts. There is also a large emphasis on airbags as well, but this makes sense since safety features lower the potential of any possible claims.

Seat Belt Use Car Insurance Discount: The Bottom Line

Many insurers offer seat belt use discounts, but they don’t necessarily advertise this fact. In fact, you very well could already be receiving a seat belt use discount on your car insurance since most companies automatically apply this discount based on your car’s make and model.

If you’re interested in comparing car insurance companies with seat belt use discounts in your local area, enter your ZIP code below.

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

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