What’s an Adaptive Cruise Control Discount? How Do I Get It?

If your vehicle has an adaptive cruise control feature, you may qualify for an adaptive cruise control discount on your auto insurance policy. Currently, only four national providers offer affordable adaptive cruise control discount auto insurance to customers. Expect to save 5% on average with your adaptive cruise control discount auto insurance rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 15, 2021

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What You Should Know

  • Four national auto insurance companies offer adaptive cruise control discounts to drivers
  • Customers save 5% on average with this discount
  • To qualify, your insured vehicle must come equipped with an adaptive cruise control feature

Only four national auto insurance providers offer an adaptive cruise control discount to customers.

Keep reading to learn how to compare auto insurance quotes and take advantage of safety discounts to earn your cheapest possible rates.

After comparing affordable adaptive cruise control discount auto insurance rates, remember to enter your ZIP code into our free tool above to receive quotes from the top companies in your region.

What auto insurance companies offer an adaptive cruise control discount to drivers?

Currently, just four national insurance providers offer adaptive cruise control discounts to drivers.

However, it’s possible local agencies near you also advertise this deal.

Typically, customers save an average of 5% on their annual premiums with this discount, only a minor rate reduction.

Also, many different factors impact auto insurance rates, including your age, driving record, and coverage needs.

Therefore, the cheapest adaptive cruise control discount auto insurance company for one person might not be the same for their neighbor.

To secure your lowest possible premiums, compare auto insurance quotes online from multiple providers.

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What is an adaptive cruise control discount?

An adaptive cruise control discount is considered a safety discount.

This is because adaptive cruise control systems reduce your accident risk when driving.

A slight rate reduction is usually automatically applied when you insure your vehicle with a participating provider.

What is adaptive cruise control or ACC? This advanced driver-assistance technology automatically adjusts the distance and speed of your vehicle with other obstacles on the road.

ACC goes by many other names, including dynamic, intelligent, or autonomous cruise control.

The National Highway Traffic Safety Administration (NHTSA) ranks vehicle automation, including ACC, on a scale of 0 to 5, or no automation to full automation.

Fortunately, partial cruise control vehicles that require human intervention scored as a 1 or 2 by the NHTSA usually still qualify for this discount.

Today, even economy cars come equipped with this advanced, life-saving technology.

Compare the average insurance rates for some affordable vehicle makes and models that have ACC systems:

ACC systems are known for making commutes and long drives more accessible, but not all are equal.

Some feature stop-and-go or traffic jam assist technology. Others turn off automatically when you hit a minimum speed.

Ultimately, customers give positive adaptive cruise control reviews for BMW, Ford, Honda, Hyundai, and Subaru.

Check your user manual for more information about your vehicle’s specific ACC system.

Adaptive Cruise Control Discount: The Bottom Line

If you use one of the providers listed above and your vehicle has an ACC system, ask if you’re receiving this discount.

Typically, safety discounts are applied automatically to your policy. However, it’s always worth double-checking.

Other safety auto insurance discounts that help lower rates include:

  • Antilock brake discount
  • Daytime running lights discount
  • Electronic stability control discount
  • Lane departure warning discount

However, you can’t qualify for the savings through some providers if the technology is an aftermarket modification.

Now that you’ve learned how to buy adaptive cruise control discount auto insurance, enter your ZIP code into our free tool below to receive accurate rates from the leading providers near you.

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