Forward Collision Warning Car Insurance Discount (2025)
Have you ever wondered why car insurance companies don't offer discounts for advanced safety features in your vehicle? This article delves into the reasons behind this and explores how you can still use your advanced safety features to save on your car insurance.
Read more
Secured with SHA-256 Encryption
Find the Lowest Car Insurance Rates Today
Quote’s drivers have found rates as low as $42/month in the last few days!
Table of Contents
Table of Contents
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Kalyn Johnson
Updated January 2025
- Statistics and Proof: Car insurance providers refrain from offering liability insurance discounts for advanced safety features because they lack statistical proof that these systems definitively make drivers safer.
- Standardization and Uncertainty: While more manufacturers are making advanced safety features standard in their new cars, insurers cannot be certain that every vehicle with this technology actively uses it, adding another layer of uncertainty.
- Expensive Repairs: An additional challenge is that even though these safety features come standard in many vehicles, they are expensive to repair or replace in the event of an accident, which can increase the overall cost for insurance companies.
- Safe Driving Incentives: While you won’t receive a direct discount for your advanced safety features, insurance providers do offer incentives for safe driving practices. By utilizing these features to enhance your safety on the road, you can position yourself for a reduced car insurance rate.
- Dashcam Discounts: As dashcams become more commonplace for recording incidents on the road, many insurance companies now offer a dashcam car insurance discount to drivers who install these devices in their vehicles.
Why is there no car insurance discount for advanced safety features?
According to data, automatic collision avoidance systems and other advanced safety features have not made drivers more provably safe. Car insurance companies will not offer liability car insurance discounts unless they know that the savings they offer won’t hurt their bottom line.
Since insurers can’t effectively prove that these systems are making drivers safer, they can’t offer discounts.
Furthermore, more manufacturers are making these advanced safety features standard on their new cars, but insurers cannot be certain that every car that has this technology is actively using it.
The final blow to a collision preparation system or other advanced safety technology is that while it comes standard in many cars, it is also very expensive to repair or fix in the event of an accident.
Insurers are left with systems that they can’t prove statistically make drivers safer and make car repairs more expensive.
This doesn’t mean you can’t use your forward-collision warning system to save money on your car insurance.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
How can I use my advanced safety features to save money on my car insurance?
While it holds true that insurers do not typically provide discounts solely for having advanced safety features, they do, however, offer incentives for safe driving practices. By leveraging your advanced safety features to enhance your driving safety, you can position yourself for a reduced American Access car insurance discounts rate.
Safe Driver Discounts by Provider
| Insurance Company | Eligibility | Discount Amount |
|---|---|---|
 | No 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) | Up to 17% |
 | Customers with no tickets or accidents for three years | 31% less on average |
 | Accident free (bonus for every six months without accidents) | $100 off collision deductible for each year without accidents, to $500 maximum |
 | Good driving record for at least five years | Up to 15% |
 | Separate accident-free and violation-free discounts (specific requirements undisclosed) | Up to 25% |
 | Varies by state | Up to 20% |
 | No at-fault accidents or major violations during the past five years | Up to 10% |
 | No accidents, violations, or claims during the past five years | Up to 5% |
 | No accidents, violations, or major comprehensive claims by any named driver during the past three or five years | Three years: up to 10% Five years: up to 23% |
Read more: Car Insurance Discounts for No Tickets
As you can see, many of the top insurance companies offer a great rate for safe driving.
While you won’t get a forward-collision warning auto insurance discount for your advanced safety features, you can use them to be a safer driver and ultimately save on your car insurance.
As dashcams become more commonplace due to their ability to record incidents on the road, many insurance companies are now offering a dashcam car insurance discount to drivers who install these devices in their vehicles.
If you’re interested in learning more about ways you can save on your car insurance, read this helpful resource from the Insurance Information Institute.
If you want to compare auto insurance quotes from the top companies in your local area, enter your ZIP code below to see car insurance quotes now.
Read more: Collision Mitigation Car Insurance DiscountÂ
Case Studies: Forward Collision Warning Car Insurance Discount
Case Study 1: John’s Savings
John, a careful driver, received a substantial discount on his car insurance premium after informing his provider about his new car’s advanced FCW system. Recognizing the reduced risk of front-end collisions, the insurance company rewarded John with a 15% lower premium. This discount not only acknowledged John’s safety-consciousness but also provided him with significant long-term savings.
Case Study 2: Sarah’s Accident Prevention
Sarah had been involved in a few minor accidents in the past due to momentary lapses in attention while driving. Concerned about her safety, she decided to upgrade her older vehicle with a retrofit FCW system. After installing the FCW system, Sarah reached out to her insurance provider to inform them about the additional safety measure she had taken.
Impressed by her proactive approach to risk mitigation, the insurance company rewarded her with a 10% discount on her annual premium. The FCW system provided Sarah with an extra layer of protection and gave her peace of mind while driving.
Case Study 3: Peter’s Experience
Peter, an experienced driver, had always been cautious on the road. However, he understood the importance of embracing technological advancements to enhance his driving safety. When Peter purchased a new car with a built-in FCW system, he immediately notified his insurance provider. Recognizing his commitment to road safety, the insurance company offered him a 12% discount on his annual premium.
The FCW system complemented Peter’s driving skills and acted as a reliable co-pilot, ensuring that he could navigate potential collision scenarios more effectively.
Case Study 4: Lisa’s Family Protection
Lisa, a mother of two, prioritized the safety of her family above all else. She opted to install an aftermarket FCW system in her minivan to enhance the protection for her loved ones. When Lisa informed her insurance company about the addition of the FCW system, they appreciated her dedication to safeguarding her family and rewarded her with a 7% discount on her premium.
The FCW system provided Lisa with an added layer of confidence and peace of mind when driving her children to school or embarking on family road trips.
Read more: Safety Car Insurance Discounts
Frequently Asked Questions
What is Forward Collision Warning (FCW) and how does it work?
Forward Collision Warning (FCW) is a safety technology that warns drivers of an imminent collision with the vehicle in front of them. FCW uses sensors, cameras, or radar to detect the distance between the driver’s car and the car in front. If the distance decreases too rapidly and a collision is likely, the FCW system will alert the driver with visual, audio, or haptic signals to take action to avoid the collision.
Can having Forward Collision Warning installed in my car lower my insurance rates?
Yes, some insurance companies may offer a discount for having FCW installed in your car. This is because FCW has been shown to reduce the likelihood of accidents, which in turn reduces the insurance company’s risk and potential payout for claims.
How much of a discount can I expect for having Forward Collision Warning in my car?
The amount of discount varies by insurance company and policy, but it can typically range from 5% to 10%.
Is Forward Collision Warning the same as Automatic Emergency Braking (AEB)?
No, while both technologies are designed to prevent collisions, they work differently. FCW warns the driver of an impending collision, while AEB automatically applies the brakes to prevent a collision if the driver does not take action in time. Some cars may have both FCW and AEB as part of a package of advanced safety features.
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption
