A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 11, 2021

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Key Takeaways

  • Adaptive headlights improve driver safety
  • Adaptive headlights can save you money on car insurance
  • Curve-adaptive and high-beam assist headlight technologies may reduce insurance claims

Modern automobiles often come equipped with a variety of advanced safety features designed to keep you and your passengers out of harm’s way. Adaptive headlights are one such feature, and in addition to keeping you safe they can also get you a 5% discount on your car insurance. 

This article will describe adaptive headlights as well as explain how you can leverage this safety feature into affordable car insurance premiums. 

Ready to look for a car insurance plan with an adaptive headlights discount? Enter your ZIP code into our handy search tool to find local car insurance companies offering discounted rates.

What are adaptive headlights?

Most drivers are likely comfortable operating traditional headlights, but may be less acquainted with adaptive headlights.

There are two primary forms of adaptive headlights technology: curve-adaptive headlights and high-beam assist.

Curve-adaptive headlights shift focus along with changes in the direction of travel while high-beam assist automatically switches between high and low beam in reaction to the presence of oncoming cars or other objects. 

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How much will I save with an adaptive headlights discount?

The following table delivers an overview of advanced auto safety features, including adaptive headlights, and which major car insurance providers offer corresponding discounts.

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
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
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
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As you can see, not every car insurance company issues adaptive headlights car insurance discounts. That said, adaptive headlights may pay off in a more subtle fashion by improving your driving record and consequently reducing insurance claims.

According to study results compiled by the IIHS, adaptive headlight technologies may reduce nighttime collisions and improve driver reaction time to oncoming obstacles.

Adaptive Headlights Discount: What You Need to Know

Ongoing innovations in headlight technology won’t just keep you and your family safe – they also can save you money on car insurance.

Not every car insurance company offers discount headlights, so don’t forget to use our free tool to learn if adaptive headlights car insurance discounts are available near you.