Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: May 14, 2021

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Just What's Essential

  • Adaptive cruise control can save you up to 5% on your insurance
  • Risk reduction technology can keep you safe on the road and save you money
  • Only four major insurance providers offer this discount

A new car filled with safety features like a collision preparation system or adaptive cruise control, can do more than just provide you with peace of mind while you’re on the road. It can also help lower your car insurance rates.

Adaptive cruise control is one such feature that can land you a discount on your insurance. Read on to learn more about this discount, how this safety feature functions, and how it can help you find affordable car insurance.

Are you excited to purchase car insurance with an adaptive cruise control discount? Enter your ZIP code into the free tool and start comparing car insurance quotes with an adaptive cruise control discount today.

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How does adaptive cruise control work?

Adaptive cruise control protects you on the road by keeping your vehicle at a safe distance from the car ahead of you.

According to Car and Driver, adaptive cruise control holds your car steady at a set speed but will alter the speed in reaction to the other cars on the road.

By gauging the movement of the car ahead of you, your vehicle maintains the same following distance no matter if the lead car speeds up or slows down. This ability to adjust your speed automatically is incredibly helpful when driving for long stretches on the interstate

Adaptive cruise control is quickly gaining confidence from active drivers. 29 percent of people who participated in this 2018 AAA survey confirmed that they trusted their adaptive cruise control so much that they felt safe performing other tasks while driving.

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What is the adaptive cruise control car discount?

The adaptive cruise control car insurance discount is considered a vehicle safety discount. Car insurance companies offer these types of discounts as a way to reward drivers who own vehicles equipped with proven risk reduction technology.

If you have young drivers, car insurance can be expensive, but this discount can help alleviate those costs. It’s important to note that not every company offers an adaptive cruise control discount.

This table reveals which of the major insurers currently offer this discount and how much it can save you on your insurance.

Car Insurance Discounts for Safety Features
CompaniesAdaptive Cruise ControlAdaptive HeadlightsAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlEmergency DeploymentForward Collision Warning Green Vehicle Lane Departure WarningNewer VehiclePassive Restraint
21st CenturyNoNoYesYesYesNoNoNoYesNoYesYes
AAANoNoYesYesYesNoNoNoNoNoYesYes
AllstateNoNoYes – 10%Yes – 10%Yes – 2%Yes – 2%NoNoYes – 10%NoYesYes – 30%
American FamilyNoNoYesYesYesYesNoNoNoNoNoYes – 30%
Ameriprise NoNoYes – 3%Yes – 3%YesNoNoNoNoNoNoYes – 3%
AmicaNoYesYes – 5%Yes – 25%NoYes – 5%NoYes – 5% for beep warning; 8% for auto brakingNoNoNoYes – 30%
Country FinancialNoYesYesYes – 10%YesYesNoYesNoNoYesYes
EsuranceNoNoYes – 5%Yes – 25% YesNoNoNoYesNoYesYes – 33%
FarmersNoYesYesYesYesYesNoNoYes – 5%NoYesYes
GEICO
NoNoYes – 5%Yes – 25%Yes – 1% in
LA & NY only
NoYes – 25%NoNoNoYesYes – 40%
Liberty Mutual Yes – 5%Yes – 5%Yes – 5%Yes – 20% off comprehensiveYes – 5%Yes – 5%NoYes – 5%Yes – 10%YesNoYes
MetLifeYesYesYes – 5%Yes – 10% for VIN etching and vehicle recovery
Yes – 5%YesNoYesNoYesYesYes – 5%
NationwideYesYesYes – 5%Yes – 25% with vehicle recovery discount Yes – 5%YesNoYesNoYesYes – less than 5 years oldYes – 20%
ProgressiveYesYesYesYesYesYesNoYes – With VINNoYes – With VIN YesYes
Safe AutoNoNoYes – 5%YesYes – 5%NoNoNoNoNoYesYes – 5%
SafecoNoNoYesYesNoNoNoNoNoNoYesYes – 2%
State Farm NoNoYes – 5%Yes – 15% off comprehensive coverage;
Higher discount for "engine cut-off"
NoNoNoNoNoNoYes – 40% off medical-related coverage for cars
'94 or later, depending on make and model
Yes – 40% off medical-related coverage for cars '93 and newer
The GeneralNoNoYes – 8%Yes – 8%NoNoNoNoNoNoNoYes – 8%
The HanoverNoNoYes – 5%Yes – 5%Yes – 5%NoNoNoNoNoNoYes – 5%
The HartfordNoYes – 3%Yes – 3%Yes – 3%Yes – 3%NoNoYes – 3%Yes – 3%NoYesYes – 3%
TravelersNoNoYesYesYesNoNoNoYes – 10%, hybrid or electric NoYes – Less than 3 yrs oldYes
USAANoNoYesYesYesNoNoNoNoNoYes – 4% for 3 years;
8% for 2 years; 12% less than 1 year; Not available in NY
Yes
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There are only four major insurance companies that offer an adaptive cruise control discount currently. This is the case because this technology has not yet become standard in the auto industry.

If you still don’t know if you can benefit from the adaptive cruise control discount, take this step from car insurance 101: Ask your agent. Your insurance agent will be able to confirm if you have access to this discount and can inform you of any other safety discount you’re eligible for.

Adaptive Cruise Control Car Discount: What You Need To Know

Since the adaptive cruise control discount is not standard at every insurance company, ask your agent if this discount is available for you.

Drivers who do qualify for this discount can save up to 5% on their rates. Compare car insurance quotes with adaptive cruise control discount today by entering your ZIP code into our free tool.