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: Apr 30, 2021

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Key Takeaways

  • Anti-lock brakes prevent your brakes from locking up
  • This is generally a safety feature already in your car
  • Major car insurance companies, like GEICO, offer a discount for ABS

Car insurance providers are all about the safety features. An anti lock brake system, or ABS, is a ubiquitous feature that most vehicles are manufactured with. This means it may be one of the most obtainable ways to save on your coverage — you don’t need to do anything!

State auto insurance rules will vary, but so will company rules and discounts. Finding an anti-lock brakes discount won’t be difficult, but before diving in, keep reading to learn more about this defensive driving feature.

If you’re ready to speak with a local agent about buying car insurance with an anti-lock brakes discount, use our free tool. Enter your ZIP code to compare ABS discount car insurance quotes from providers in your area.

What are anti-lock brakes?

ABS car features have been a staple in cars since the 60s as a way to help drivers from dangerous brake jams.

Anti-lock brakes are a safety feature that prevents your brakes from locking if you were to slam on them. Sometimes, people forget to pump the brakes when you need to stop quickly, which results in harsh braking.

How do anti-lock brakes work?

Anti lock brakes, or ABS, automatically start pumping the brakes from the inside — even as you slam harder down on the brake pedal. It does this by regulating the brake fluid, ensuring they don’t lock.

How do I know if my car has ABS?

If you’re curious about a car that you already own, find the owner’s manual. This feature will be listed with other maintenance. Or, as previously stated, simply look to your dashboard when you start your car and look for the “ABS” light.

If you’re still in the process of buying a car, ask the dealership what kind of ABS the car has.

There are several types of ABS in cars. Check your owner’s manual to find out which kind you have. See the table below for a breakdown of the types of ABS.

Types of Anti-Lock Braking Systems
System TypeDetails
Four-Channel, Four SensorConsidered to be the best system because it monitors each wheel.
Three Channel, Three SensorProvides the front wheels with the valves and speed sensors, back wheels share one.
One Channel, One SensorOne valve and one-speed sensor installed to monitor all four wheels and is located in the rear axle.
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Keep reading to learn about how you can get the most affordable anti-lock brakes discount car insurance policy.

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Do car insurance companies have an anti-lock brakes discount?

Not every provider offers anti-local brakes discount car insurance because it’s such a common feature in cars. Car insurance companies offer between 3 to 10 percent off for ABS systems.

How much is the insurance discount for having ABS?

See below for a list of providers and what your discount could be:

  • Allstate, 10 percent
  • Ameriprise, 3 percent
  • Amica, 5 percent
  • Esurance, 5 percent
  • GEICO, 5 percent
  • Liberty Mutual, 5 percent
  • MetLife, 5 percent
  • Nationwide, 5 percent
  • Safe Auto, 5 percent
  • State Farm, 5 percent
  • The General, 8 percent
  • The Hanover, 5 percent

Now that you’ve gotten an idea of what your ABS car insurance rates will be, keep reading to link to our free tool to start comparing quotes in your area.

The Bottom Line

Depending on where you live and what company offers affordable ABS discount car insurance, there may be times that you don’t qualify for the discount — or it’s simply not offered.

The Insurance Information Institute says that service and pricing and two major factors when deciding what car insurance to buy. Anti-lock brakes have the potential to save you 10 percent on car insurance monthly — which could be a big deal.

So if you have that ABS car light, you may be able to buy anti-brakes discount car insurance at low rates. Enter you ZIP code to compare local car insurance quotes in your area.