Adaptive Headlights Car Insurance Discount (Where to Get It)

You can save 5% off your car insurance rate with an adaptive headlights discount. Adaptive headlights adjust to bends in the road to illuminate the path ahead of you at all times when night driving. Save even more with an adaptive headlights car insurance discount when you combine it with other safety feature discounts.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 22, 2021

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The Highlights

  • Adaptive headlights adjust to curves in the road at night, illuminating the road ahead of you at all times.
  • You can expect to save about 5% off your car insurance rates with an adaptive headlights discount.
  • Combine other safety feature discounts to maximize your savings.

As technology progresses, more and more cars are being equipped with advanced safety features for your protection. One such feature is adaptive headlights. But did you know you can get an adaptive headlights car insurance discount?

Many of the best insurance companies offer safety feature discounts. As adaptive headlights become a standard issue on most makes and models, more and more people are earning this discount.

Keep reading to learn what adaptive headlights are, what an adaptive headlights discount is, and where to get it. But before you do, enter your ZIP code into our free comparison tool above to find affordable car insurance in your area.

How much can I save with adaptive headlights car insurance discount?

Strictly speaking, it’s a discount your car insurance provider offers you as a reward for driving a vehicle with adaptive headlights.

An adaptive headlights auto insurance discount is typically about 5% of your rate. While this may seem small, combined with other safety features, these discounts can really add up.

According to the Insurance Institute for Highway Safety, studies have shown that adaptive headlights reduce insurance claims. This is good news for car insurance providers, and that is why people who drive an adaptive car can earn a discount.

Of course, not all car insurance companies offer an adaptive headlights discount. You’ll have to do some research to find one that does. Compare car insurance quotes from multiple companies to find the best deal.

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Where can I get an adaptive headlights car insurance discount?

Below is a table of top car insurance providers and the discounts they offer:

Car Insurance Discounts by Company
Auto Insurance Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAASources:
Adaptive Cruise Controlxxxxhttp://www.21st.com/car-insurance-by-state.htm
Adaptive Headlightsxxxxxxxxhttp://autoclubsouth.aaa.com/Insurance/Auto_Insurance_Quote.aspx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxxhttps://www.allstate.com/auto-insurance/auto-insurance-discounts.aspx
Anti-Theftxxxxxxxxxxxxxxxxxxxxxxhttps://www.amfam.com/resources/discounts
Claim Freexxxxxxxxxxxxxxxxxxxxxxhttps://www.ameriprise.com/auto-home-insurance/Costco/insurance-choices/auto/auto-insurance-discounts.asp
Continuous Coveragexxxxxxxxxxxxxxxhttps://www.amica.com/en/products/auto-insurance/discounts.html
Daytime Running Lightsxxxxxxxxxxxxxxxxxxhttps://www.countryfinancial.com/en/insurance/auto-recreational/auto.html
Defensive Driverxxxxxxxxxxxxxxxxxxxxxxhttps://www.esurance.com/insurance/car/discounts
Distant Studentxxxxxxxxxxxxxxxhttps://www.farmers.com/faq/discounts/#autodefinitions
Driver's Edxxxxxxxxxxxxxxxxxxxxhttps://www.geico.com/save/discounts/car-insurance-discounts/
Driving Device/Appxxxxxxxxxxxxxxhttps://www.libertymutual.com/auto/affordable-car-insurance
Early Signingxxxxxxxxxxxxxxhttps://www.metlife.com/insurance/auto-insurance/car-insurance/
Electronic Stability Controlxxxxxxxxxhttps://www.nationwide.com/car-insurance-discounts.jsp
Emergency Deploymentxhttps://www.progressive.com/auto/car-insurance-discounts/
Engaged Couplexhttps://www.safeauto.com/about/faqs
Family Legacyxxxxxxhttps://www.safeauto.com/car-insurance/car-insurance-for-teens
Family Planxxxxxhttp://www.safeco.com/auto-insurance/discounts
Farm Vehiclexxxxhttps://www.statefarm.com/insurance/auto/discounts
Fast 5xhttps://www.thegeneral.com/car-insurance/basics/cheap-flexible/
Federal Employeexxxxhttp://www.hanover.com/connections-smart-savings.html
Forward Collision Warningxxxxxxxhttps://www.thehartford.com/aarp/car-insurance
Full Paymentxxxxxxxxxxxxxxxxxhttps://www.travelers.com/personal-insurance/auto-insurance/discounts-advantages.aspx
Further Educationxxxxxxxxxhttps://www.usaa.com/inet/wc/advice-auto-lowerautoinsurance
Garaging/Storingxxxxxxhttps://www.usaa.com/inet/wc/faq_Automatic_License_index
Good Creditxxxxhttps://www.usaa.com/inet/wc/auto_insurance_teen_driver_main
Good Studentxxxxxxxxxxxxxxxxxxxxxxhttps://www.usaa.com/inet/pages/auto_event_insurance?akredirect=true
Green Vehiclexxxxxxxhttps://www.usaa.com/inet/pages/auto_insurance_driving_research_discount_main
Homeownerxxxxxxxxxxxxxxxxxxhttp://www.bankrate.com/finance/insurance/car-insurance-discounts.aspx
Lane Departure Warningxxxxhttp://www.naic.org/documents/web_market_share_160301_2015_property_lob.pdf
Life Insurancexx
Low MileagexxxxxxxxxxxxxxxxxxxDisclaimers
Loyaltyxxxxxxxxxxxx*Discounts and their availability vary by state and eligibility requirements
Marriedxxxxxxxxxxxxxx*Safety Features are not always listed as "discounts" but almost always help lower the rate
Membership/Groupxxxxxxxxxxx
Militaryxxxxxxxxxxx
Military Garagingx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newer Vehiclexxxxxxxxxxxxxxxx
Newly Licensedx
Newlywedsx
Non-Smoker/Non-Drinkerx
Occasional Operatorx
Occupationxxxxxxxxxxxx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
Recent Retireesxx
Renterxxx
Roadside Assistancexx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Utility Vehiclexxxx
Vehicle Recoveryxxxxxxxxxxxxxxxxxxxxx
VIN Etchingxxxxxxxxxx
Volunteerx
Young Driverxxxxxx
Discounts Provided #21212927182726343432383835362230202022382828
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As you can see, top companies such as Farmers, Nationwide, and Progressive offer an adaptive headlights discount.

If your current provider doesn’t offer an adaptive headlights discount, shop around to find one that does. We recommend you compare car insurance rates from at least three different companies before you buy.

What are adaptive headlights?

You’re probably wondering, “what are adaptive headlights?” Do I have the right kind? What headlights do I need?

The headlights that people primarily get this discount for are curve-adaptive headlights.

This type of adaptive headling can curve or adapt to bends in the road ahead of you. When you come to a curve in the road at night, standard headlights will point straight ahead, illuminating the area off the road. Curve-adaptive headlights turn in the direction of the curve, illuminating the road ahead.

Some adaptive headlights also come with brighter beams that can automatically adjust depending on how dark it is. This way you won’t forget to put your brights on — adaptive headlights will take care of it for you.

Now that you know all about adaptive headlights discounts, start shopping today. Enter your ZIP code into our free comparison tool to buy car insurance from providers in your area.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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