What’s a Daytime Running Lights Discount? How Do I Get It?
If your vehicle has daytime running lights, you may qualify for a daytime running lights discount on your auto insurance policy. Currently, 19 national providers offer affordable daytime running lights discount auto insurance to drivers. Customers save 4% on average by earning this LED DRL lights discount.
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UPDATED: Jul 27, 2021
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- 18 national auto insurance providers offer a daytime running lights discount to drivers
- Customers save 4% on average with this discount
- To qualify, your insured vehicle must have daytime running lights, or DRLs
You could earn a daytime running lights discount on your auto insurance from 18 national providers if your car comes equipped with this common safety feature.
Below, discover how to compare auto insurance quotes and safety discounts to earn your lowest possible prices.
After comparing affordable daytime running lights discount auto insurance rates, enter your ZIP code into our free rate tool above to compare quotes from the top companies in your region.
What auto insurance companies offer a daytime running lights discount to drivers?
Currently, 18 national auto insurance providers offer a discount to drivers who insure vehicles with LED daytime running lights, also known as DRLs.
- 21st Century Auto Insurance Company
- AAA Auto Insurance Company
- Allstate Auto Insurance Company (2% discount)
- American Family Auto Insurance Company
- Ameriprise Auto Insurance Company
- COUNTRY Financial Auto Insurance Company
- Esurance Auto Insurance Company
- Farmers Auto Insurance Company
- GEICO Auto Insurance Company (3% discount)
- Liberty Mutual Auto Insurance Company (5% discount)
- MetLife Auto Insurance Company (5% discount)
- Nationwide Auto Insurance Company (5% discount)
- Progressive Auto Insurance Company
- SafeAuto Auto Insurance Companu (5% discount)
- The Hanover Auto Insurance Company (5% discount)
- The Hartford Auto Insurance Company (3% discount)
- Travelers Auto Insurance Company
- USAA Auto Insurance Company
On average, customers save 4% on their annual rates by earning this discount. Typically, the savings are applied at the time you insure the vehicle.
However, if your vehicle has this technology, tell your insurer to verify that you’re receiving your discount.
Insurance providers offer varying levels of savings for this discount. Companies also use unique equations to calculate rates.
Therefore, the best daytime running lights discount auto insurance company for you won’t be the same for your neighbor.
To accurately secure your lowest possible rates, compare quotes from multiple providers online.
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What is a daytime running lights discount?
A daytime running lights discount is considered a safety discount because the technology actively lowers your crash risk while driving.
How do you know if your car has DRLs? First, turn on your vehicle, then check your front headlights.
LED DRL lights are located at the front of a vehicle and automatically turn on whenever the motor is running. Sometimes, a knob near your steering wheel also controls this feature.
The light provides visual contrast between your car and its surroundings so other drivers and pedestrians can see you better.
Interestingly, researchers often disagree on the effectiveness of this technology.
A 2008 study by the National Highway Traffic Safety Administration concluded the lights have no statistical effect on crashes.
However, a 2010 study in Minnesota analyzing crash data from the late 1990s and early 2000s found a significant reduction in accidents.
Regardless, in 2016 the Insurance Institute for Highway Safety (IIHS) introduced an improved headlight rating system.
As of 2021, 10 vehicle manufacturers have improved their headlight options and eliminated or modified the inferiorly rated lights.
While DRLS are still not legally required, the technology is recommended.
But depending on the provider you use, you may be ineligible for the discount if you install an aftermarket daytime running lights controller.
Daytime Running Lights Discount: The Bottom Line
If your vehicle has daytime running lights, ask your insurance agent to verify that you’re receiving your rate reduction.
Other easy ways to save on your auto insurance include bundling multiple policies or earning other discounts like a low-mileage discount, an antilock brake discount, or a group or affiliation discount.
Other safety features like airbags and anti-theft devices may also help you qualify for more savings.
You’ve learned how to buy daytime running lights discount auto insurance, now compare quotes from the leading providers near you by entering your ZIP code into our free rate tool below.