Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 3, 2021

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Key Takeaways

  • Adaptive headlights can be purchased with a new car or later installed
  • Drivers can save between 3% and 5% on car insurance with adaptive headlights
  • The Insurance Institute for Highway Safety reports that adaptive headlights increase visibility by a third of a second.

Defensive driving technologies are changing the way that we drive. By helping drivers increase visibility, adaptive headlights can save their lives and save money at the same time.

An adaptive headlights discount provides a slight policy savings on insurance policies for drivers who either install the devices or purchase a vehicle with adaptive headlights.

When looking for state auto insurance, you want to make sure you take advantage of all available discounts. Not all companies offer this kind of discount, and it’s generally small. When combined with telematics devices, other safety features, good driving, student discounts, and the many other options, it can add up quickly. Keep reading to learn more about where to get this type of auto insurance.

If you’re ready to speak with an agent now, use our free tool to get connected. Enter your ZIP code to see what companies offer an adaptive headlights discount in your area.

What are adaptive headlights?

Before we start talking about affordable adaptive headlights discount car insurance, we should probably have a good understanding of what they are. How do you get them on your car, and what do they do for you? Moreover, how effective are they at their job?

Adaptive headlights are innovative in that they adapt to the driving conditions. So whether you’re in clear, foggy, or even rainy or snowing conditions, they adapt to give you maximum visibility. This is safer whether you live in snowy Michigan or sunny Hawaii. There are several types of adaptive headlights such as the curve-adaptive lights or the automatic high beams.

Adaptive headlights can either come with your vehicle or are installed, and it can refer to any interactive light that adjusts the light for your visibility. This reduces the likelihood of accidents with other cars, wildlife, and much more, especially in rural areas. So your auto insurance policy is adjusted accordingly.

According to a study done by the Insurance Institute for Highway Safety, adaptive headlights improved reaction times and increased visibility by seconds. This doesn’t seem like a lot, but that’s the time between an accident and safely averting the crash. It could save lives in certain instances. For purposes of your auto policy, it could save hundreds of thousands of dollars in medical bills.

Now let’s dive into how to buy adaptive headlights discount car insurance.

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How can I qualify for an adaptive headlight discount?

Since the discount is based on whether or not you have this equipment, that’s the primary qualification for a adaptive headlights discount car insurance. If you’re not sure, you can look up your car’s year, make, and model or talk to the dealer. If you don’t have this safety feature, you can talk to a mechanic about upgrading your lights.

Other qualifiers that may play into your policy is where you live and what type of adaptive headlights you purchased. Your insurance agent or customer service with your auto policy can answer specific questions about what might go into this.

The number one factor of whether you will be able to get the discount is if your company offers it. Keep reading to learn more to find the best adaptive headlights discount car insurance company for you.

What car insurance companies offer adaptive headlights discount?

Adaptive headlights discount car insurance rates are lower because the technology helps to lower the risk of the road. Here is a list of car insurance companies that offer this discount headlights program:

  • Amica
  • Country Financial
  • Farmers
  • Liberty Mutual
  • MetLife
  • NationwideProgressive
  • The Hartford

Often these companies offer this discount in addition to other safe driving savings. Generally, alone the savings may not be great, but together you can see a good dip in your monthly insurance bill. If you’re installing new headlights, your greatest savings will come in the form of avoiding accidents.

How Much Can I Save with An Adaptive Headlights Discount?

Adaptive headlight discounts can range from 5%, like from Liberty Mutual, to 3% from others, such as The Hartford.

While these discounts may not seem like much, often they are wrapped with other defensive driver discounts. Ultimately, even with small amounts, why leave money on the table? Be sure to ask your auto insurance provider what is available.

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Are These Discounts Worth It?

The reason that adaptive headlights discount car insurance quotes are lowered, is because it’s a safe driving tactic. So, be sure to ask your provider for a list of safe driver discounts. If you already have this safety upgrade, you’re just checking a box to save more money. If you need to add them to your car, you’re potentially saving yourself a lot of hassle while using your defensive driver training more efficiently.

Affordable adaptive headlight car insurance is a way drivers can save money on their policies. If you have adaptive headlights already on your vehicle, it may be worth a call to your provider to see if its available.

If you don’t have the technology, find a local agent to see what your options are for an adaptive headlights discount. If you don’t feel it’s right for you, an insurance agent can help you find other discounts and the right insurance company.

If you don’t have the technology, find a local agent to see what your options are for an adaptive headlights discount. Enter your ZIP code to get connected.