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

If your vehicle has an adaptive headlights feature, you could earn an adaptive headlights discount on your auto insurance policy. Currently, eight national providers offer affordable adaptive headlights discount auto insurance to customers. Expect to save 5% on average with your adaptive headlights 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

  • Eight national auto insurance companies offer adaptive headlights discounts to customers
  • Drivers save 5% on average with this discount
  • To qualify, your insured vehicle must come equipped with an approved adaptive headlights system

If your vehicle has adaptive headlights, you could earn an adaptive headlights discount on your auto insurance policy.

Keep reading to discover how to compare auto insurance quotes to get your lowest rates and how much your adaptive car can help you save.

After learning how to buy adaptive headlights discount auto insurance, remember to enter your ZIP code into our free tool above to receive rates from the leading providers in your area.

What auto insurance companies offer an adaptive headlights discount to drivers?

Of the national auto insurance companies, eight offer adaptive headlights discounts to drivers.

Local companies near you might also advertise this savings opportunity. Typically, customers who earn this discount save an average of 5% on their annual premiums.

Usually, the slight rate reduction is automatically applied when you insure your vehicle.

However, many different factors go into determining your auto insurance costs.

As a result, it’s possible an adaptive headlights discount auto insurance company might not even offer you your cheapest quotes.

Therefore, to secure your lowest possible prices, compare quotes online from multiple providers and ask about additional auto insurance discounts.

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What is an adaptive headlights discount?

An adaptive headlights discount is a safety discount applied to your policy because the technology actively reduces your accident risk.

According to a study by the Insurance Institute for Highway Safety (IIHS), headlight technology also helps prevent pedestrian death.

But does your car have adaptive headlights? What headlights do you need to drive on the roads legally?

Next time you drive in the dark, check if your headlights change angles and brightness without you doing anything. If so, you have adaptive headlights.

Adaptive headlights can also be costly to replace or repair. Insurance providers are aware of this, and therefore, these lights are not legally required.

Made of complex LED arrays to prevent blinding oncoming vehicles, adaptive headlights switch automatically between low and high beams when an approaching car is detected.

Curve-adapted lights, cornering lights, and automatic high beams are all different types of adaptive headlights.

Curve-adapted headlights, which are more advanced, are mounted on motors that pivot. As you turn your steering wheel, sensors also detect curves in the road and adjust your headlights accordingly.

While these headlights are becoming more common, it’s not always available for every economy vehicle.

However, Toyota, Ford, Subaru, and Hyundai currently sell entry-level cars with advanced headlight options.

Depending on what provider you use, you may not qualify for the discount if you purchased your headlights aftermarket.

Adaptive Headlights Discount: The Bottom Line

If you use one of the providers listed above and your vehicle has adaptive headlights, make sure you’re receiving your rate reductions.

Safety discounts for auto insurance are usually small and stackable. Ask about these other common savings opportunities:

  • Alternative energy discount
  • Anti-theft device discount
  • Electronic stability control discount
  • Forward-collision warning discount
  • Passive restraint discount

Now that you’ve compared affordable adaptive headlights discount auto insurance rates, enter your ZIP code into our free tool below to receive quotes from the best companies near you.

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