What is the adaptive cruise control discount?

An adaptive cruise control discount isn't offered by many car insurance companies. While safe drivers are commonly rewarded for having various safety features, cruise control is normally bundled with a safe driving discount. Still, a car with adaptive cruise control may help you save 5% with some insurance companies.

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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: May 19, 2021

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Things to Know

  • Adaptive cruise control discounts are uncommon
  • Discounts on car insurance can be up to 5% with some providers
  • This safety feature may be bundled in an overall discount for safe driving

Safe driving discounts are common in the car insurance world. However, finding an adaptive cruise control discount by itself may be less lucrative than opting for a bundle of safe-driving discounts.

Some car insurance companies reward you for purchasing cars with this innovative feature. An adaptive cruise control discount can save drivers an average of 5% on monthly insurance premiums.

Keep reading to learn how providers calculate adaptive cruise control discounts and where to get cheap car insurance quotes for safe driving. If you’re ready to speak to an agent about your options, enter your ZIP code above to get connected.

What is an adaptive cruise control discount?

If you want to buy an adaptive cruise control discount car insurance policy, what you’re really getting is a standard policy with monthly premiums trimmed a bit due to the safety feature.

Adaptive cruise control discount programs are a small incentive to reduce risk. Car insurance quotes and rates are calculated based on how much risk you pose.

Your provider doesn’t want to shell out from your policy, so small safety discounts — like an adaptive cruise control discount — are generally offered in a bundle.

But, what is adaptive cruise control? Keep reading to learn more.

What is adaptive cruise control?

Adaptive cruise control, or sometimes referred to as ACC, monitors the car in front of you and alters your speed accordingly.

Your maximum speed does not change — as with standard cruise control — but it serves as a collision preparation system in case the driver ahead of you slows down without you realizing it.

Adaptive cruise control can increase and decrease speeds, but it cannot exceed the maximum set speed nor stop the car.

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What companies offer adaptive cruise control discount car insurance?

How much can I save with an adaptive cruise control car insurance discount?

Check out the table below to learn more about affordable adaptive cruise control discount car insurance, who to get it from, and how much your savings could be.

Adaptive Cruise Control Car Insurance Discount Availability and Savings by Company
Insurance CompaniesOffers Adaptive Cruise Control and Amount Saved
American FamilyNo
Liberty MutualYes, 5%
MetLifeYes, Varies
NationwideYes, Varies
ProgressiveYes, Varies
State FarmNo
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This list isn’t comprehensive; in fact, most companies do not offer a specific discount for adaptive cruise control.

How can I receive an adaptive cruise control car insurance discount?

The best way to get answers to your discount car insurance questions is to ask your current provider if they offer it. Adaptive cruise control can be installed, though many newer cars have it already.

Cars with adaptive cruise control include:

  • Kia Forte
  • Subaru Forester
  • Ford Fusion

But just because your car has the feature doesn’t mean you automatically qualify for reduced premiums. Adaptive cruise control discount car insurance rates will vary from person to person and company to company.

Adaptive Cruise Control Discounts: The Bottom Line

If you have a car that already has adaptive cruise control, it may be worth asking your favored provider if there’s a discount. Many companies don’t offer a discount specific to cruise control, but you may qualify for a safe driving discount.

Why don’t all companies offer an adaptive cruise control discount on car insurance? It may not actually decrease your risk as a driver.

According to AAA, drivers who used the safety feature correctly were less likely to get into an accident, but those same drivers reported being more comfortable multitasking while driving.

Talk to a local provider to see if an adaptive cruise control discount is available to you. Enter your ZIP code to compare rates from car insurance companies in your area.

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