Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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

UPDATED: Apr 29, 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 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 the savings. Not all companies offer this kind of discount, 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 adaptive headlights are.

Adaptive headlights are innovative in that they adapt to the driving conditions. 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, but refer to any interactive light that adjusts the light for your visibility.

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.

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.

Other qualfiiers that may play into your policy is where you live and what time of adaptive headlights you purchased.

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 adaptive headlights discounts 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.

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. Be sure to ask your auto insurance provider what is available.

Adaptive Headlights Discount: The Bottom Line

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.

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. Enter your ZIP code to get connected.