What is a lane departure warning discount?

Five different providers offer affordable lane departure warning discount car insurance to drivers. A lane departure warning discount is considered a safety discount; if your vehicle uses a lane departure warning (LDW) system to alert you if you drift out of your lane, you could save an average of 8% by earning lane departure warning discount car insurance rates.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 26, 2021

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Things to Know

  • What is a lane departure warning discount? A safety discount that rewards you for using lane departure warning technology in your vehicle
  • Five national car insurance providers offer this deal to drivers
  • Folks save an average of 8% by earning different safety car insurance discounts

Safety discounts can help reduce your car insurance rates by 8% on average. But what is a lane departure warning discount? How do you earn one?

If your vehicle uses lane departure warning (LDW) technology to alert you when you’ve switched lanes without signaling, you could earn a minor rate reduction on your collision coverage.

Below, discover what car insurance companies offer this deal to drivers, how to qualify, and determine what safety discounts can help you save money on car insurance.

After learning how to buy lane departure warning discount car insurance, remember to enter your ZIP code into our free rate tool above to compare quotes from the top providers near you.

What car insurance companies offer a lane departure warning discount to drivers?

Five national car insurance providers offer lane departure warning discount car insurance rates to drivers.

By earning safety discounts like the LDW deal, you can save an average of 8% on your annual premiums.

Take a look at the list below to determine if you currently use a lane departure warning discount car insurance company:

Local agencies near you might also offer this savings opportunity to customers.

Also, some providers combine all safety and anti-theft device discounts, leading to one single rate reduction rather than providing stackable, individual deals.

So to truly secure your lowest possible car insurance prices, compare quotes online from multiple providers.

Remember to also ask about additional car insurance discounts you can earn.

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What is a lane departure warning discount?

Lane departure warning discounts are considered safety discounts. LDW technology actively makes you a safer driver, preventing car accidents.

The National Highway Traffic Safety Administration (NHTSA) recommends lane departure warning systems in all new vehicles.

Lane departure warning systems use cameras and sensors to detect if you’ve crossed out of your lane without signaling.

You’re alerted with an audio and sometimes visual alarm.

LDW systems do not take control of your vehicle but instead, rely on human intervention.

So which feature on your car is worth a discount on your car insurance besides LDW systems? Take a look at some examples below:

LDW discounts usually only apply to collision policies. So, unfortunately, if you don’t purchase collision coverage, you might not receive any savings.

Why don’t all safety features earn car insurance discounts?

Experts agree that safety technology makes cars safer now than ever before, and consumers continue to show interest in the advancements.

But if LDW systems and other advancements truly work, why do safety and anti-theft discounts lead to only very minor rate reductions?

Some studies suggest drivers save a meager $10 per year by qualifying for these discounts.

You might believe your insurer will reward you for all technology installed on your vehicle, but unfortunately, that’s not the case.

The tech that makes your car safer doesn’t always lower your insurance rates because of repair and replacement costs.

For example, replacing a bumper or mirrors with sensors costs three to five times as much as generic mirrors and bumpers.

The technology also does not mean you’re suddenly a perfect driver, either. Human error still happens.

Some people even deactivate safety technology installed in their vehicles if they find the alert noises too annoying.

Plus, some technology is too new, meaning the data is insufficient to determine its effectiveness.

We mentioned the safety features that lower car insurance, but what about technology that keeps you safer without earning you a car insurance discount?

The following features may protect you, but they likely will not earn you any discounts:

  • Collision preparation system
  • Driver alertness monitoring
  • Head-up display (HUD)
  • Night vision
  • Parking assistance
  • Rear-view camera

Ultimately, most people don’t see a high percentage of savings by earning these discounts because of the type of coverage these discounts apply to.

Usually, the rate reduction only goes toward comprehensive or collision coverage, not the liability coverage required by most state laws.

Lane Departure Warning Discount: The Bottom Line

Lane departure warning technology keeps you and other drivers safe, even if it doesn’t earn you the most substantial car insurance discount.

Fortunately, safety technology on your vehicles actively helps reduce your number of safety and security risks.

So even if you’re not saving money with a car insurance discount, you could be saving in other ways simply by reducing your accident and vehicle theft risk.

However, if you use one of the providers listed above, this is one of the car insurance discounts to ask for to help you reduce your insurance rates, regardless of your age or driving record.

Now that you know more about how to find affordable lane departure warning discount car insurance quotes, compare accurate rates from the best companies in your area by entering your ZIP code into our free tool below.

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