Lane Departure Warning Car Insurance Discount

You won't find a lane departure warning car insurance discount readily available. Many car insurance companies do not offer discounts for advanced safety features like lane departure warning systems, but you can use these systems to be a better, safer driver. Safe drivers receive good discounts and better rates from insurance companies. Read more to find out how much you can save.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • New advanced safety technologies help people drive safely, but these advanced safety features often don’t lead to auto insurance discounts
  • Insurance companies need good data before they can offer discounts to drivers, and new safety technologies simply haven’t been tested enough to provide a reliable source of data
  • Just because you won’t get a lane departure warning car insurance discount doesn’t mean advanced technology can’t help you save money on your car insurance

If you have advanced safety features in your car, you may be wondering if you can get a lane departure warning car insurance discount. Most car insurance companies do not offer discounts for advanced safety features.

You might be surprised to learn this, especially if you’ve gotten discounts for airbags and anti-theft devices in the past. There are a couple of reasons why car insurance companies do not offer discounts for advanced safety features. We will take a closer look at these below.

If you’re interested in lane departure warning car insurance discounts, enter your ZIP code above to compare car insurance quotes from the top companies in your area.

Why don’t car insurance companies offer discounts for lane departure warning systems?

Lane departure warning and other advanced safety features are becoming more commonplace in newer models of cars. Almost all new cars today have some sort of advanced safety feature.

Still, you might be surprised to learn that there is no conclusive data that these systems make people safer drivers. It is nearly impossible for insurance companies to ensure that the technology is calibrated correctly or even being used properly by drivers.

Furthermore, while this technology is relatively cheap for car makers to include in their new models, repairing cars with advanced safety features is often more expensive.

Car insurance companies will not offer discounts to drivers if they can’t verify that these advanced safety systems will also help save them money.

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How can I use advanced safety features to save money on car insurance?

While there are specific lane departure warning car insurance discounts or discounts for other advanced safety features, you can use your advanced safety features to be a safer driver.

Safe drivers get better liability car insurance rates, and they often receive discounts from car insurance companies.

Safe Driver Discounts by Company
Insurance CompanyEligibilityDiscount Amount
State FarmNo moving violations or at-fault accidents by any named driver during the past three years
Separate discount when your car, or the one it replaced, has been on a State Farm policy for three years without chargeable accidents (any accident that increases rates)
ProgressiveCustomers with no tickets or accidents for three years31% less on average
AllstateAccident free (bonus for every six months without accidents)$100 off collision deductible for each year without accidents, to $500 maximum
USAAGood driving record for at least five yearsUndisclosed
Liberty MutualSeparate accident-free and violation-free discounts (specific requirements undisclosed)Undisclosed
FarmersVaries by stateUndisclosed
NationwideNo at-fault accidents or major violations during the past five yearsUndisclosed
American FamilyNo accidents, violations, or claims during the past five yearsUndisclosed
TravelersNo accidents, violations, or major comprehensive claims by any named driver during the past three or five yearsThree years: up to 10%

Five years: up to 23%
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As you can see, most of the major car insurance companies offer safe driver discounts.

You might not be able to get a discount for your advanced safety features, but you can use them to be a safer driver and lower your auto insurance rates with a safe driver discount.

If you’re interested in learning about other ways you can lower your car insurance costs, check out this helpful resource from the Insurance Information Institute.

Are you ready to buy car insurance with lane departure warning discounts? Enter your ZIP code below to compare car insurance rates from the top companies near you.

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