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The best anti-locking brakes car insurance discounts come from Travelers, Liberty Mutual, and Geico, Vehicles equipped with ABS for improved safety and reduced accident risk can save 15% on rates.
Some insurers combine ABS discounts with broader safety savings, while others provide standalone reductions for ABS-equipped cars.
| Insurance Company | Rank | Savings Potential | A.M. Best | Who Qualifies? |
|---|---|---|---|---|
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#1 | 15% | A++ | Drivers with a history of low-risk driving and ABS-equipped vehicles. |
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#2 | 14% | A | Drivers who maintain safe driving habits. |
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#3 | 13% | A++ | Drivers using advanced safety features in their vehicles. |
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#4 | 12% | A+ | Drivers with vehicles equipped with ABS. |
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#5 | 11% | A+ | Drivers of newer cars with built-in safety technology. |
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#6 | 10% | A++ | Military families driving vehicles with advanced anti-lock systems. |
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#7 | 10% | A | Drivers who have had an accident-free record. |
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#8 | 9% | A+ | Drivers with vehicles that feature high-tech braking systems. |
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#9 | 8% | A++ | Drivers with cars that include standard anti-lock brake systems. |
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#10 | 7% | A+ | Drivers who have taken a defensive driving course. |
Insurer anti-lock brake discounts vary based on driving history, vehicle safety features, and policy eligibility. Knowing how insurers assess ABS-related discounts will help you find the best car insurance companies.
What You Should Know
- Travelers offer the highest anti-lock brakes car insurance discount at 15%
- ABS-equipped vehicles qualify for lower insurance rates with many providers
- Bundling ABS with other safety features can increase overall policy savings
If you have anti-locking brakes in your car, see if you’re getting the best auto insurance discounts by entering your ZIP code here.
Getting The Best Rates With Anti-Locking Brake Car Insurance Discounts
Anti-locking brakes (ABS) car insurance discounts vary by provider, but the best ones can lower monthly premiums significantly. USAA has the cheapest rates of $108 per month with an ABS discount.
| Insurance Company | Before Discount | After Discount |
|---|---|---|
|
$155 | $136 |
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$150 | $135 |
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$130 | $113 |
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$145 | $124 |
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$135 | $120 |
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$140 | $127 |
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$150 | $138 |
|
$142 | $132 |
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$140 | $119 |
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$120 | $108 |
For drivers looking for bigger deals, Liberty Mutual and Travelers save drivers more than $20 monthly with ABS car insurance discounts. Geico is also affordable, dropping rates down to $113 a month.
Allstate, Farmers, and State Farm remain on the higher end after the discount, with monthly premiums ranging from $135 to $138. The Hartford's discount also keeps its rate above $130 per month, but seniors can get cheaper rates combining anti-locking brakes with AARP memberships. Learn how in our review of The Hartford.
Anti-Locking Brakes Car Insurance Discounts & Rates Compared
The best anti-locking brakes car insurance discounts lower rates, but the impact varies by provider. USAA consistently offers the lowest rates, but it's only available to military families. Geico is the next cheapest car insurance company for a clean record, but rates spike for violations.
ABS discounts encourage safe driving and reduce driver risk, but keeping a clean record is the easiest way to get cheap car insurance, even with anti-lock brake discounts (Read More: Six Safety Tips For Driving at Night).
Drivers with an accident or DUI see the biggest rate jumps. Allstate has the highest anti-lock brake insurance rates, charging $228 per month for a clean record and $385 after a DUI. Travelers is more affordable at $141 for a clean record and $294 for DUIs, providing moderate savings on high-risk anti-locking brakes insurance.
Comparing providers is essential to finding the best ABS discount since some insurers maintain lower overall rates regardless of driving history. Enter your ZIP code to find the cheapest provider near you.
Maximizing Your Anti-Lock Brakes Insurance Discount
Anti-lock brakes improve vehicle safety, but not all insurers automatically apply discounts for them. If you want to lower your premium, you need to take the right steps to get the best deal. These are the top ways to save money on car insurance rates with ABS insurance discounts:
- Confirm the Discount: Not all insurers apply ABS discounts by default. Ask your provider if it’s included in your policy.
- Bundle with Other Safety Features: Some insurers offer better deals when ABS is combined with features like electronic stability control or lane departure warnings.
- Update Your Policy Details: If you recently purchased a vehicle with ABS, update your insurance records to reflect the added safety feature.
- Shop and Compare: Insurers weigh ABS discounts differently. Get multiple quotes to find the best overall savings.
- Maintain a Clean Record: ABS can help lower your premium, but safe driving still plays a bigger role. Avoiding tickets and accidents ensures you get the lowest rate possible.
An anti-lock braking system discount can reduce your insurance costs, but you’ll need to take the proper steps. Review your policy to confirm the discount applies, look for opportunities to bundle coverage, and compare quotes from multiple insurers to find the best rate.
Don't be afraid to ask for all available discounts for you ABS-equipped vehicle so you don't miss out on an opportunity to save money on car insurance.
Make the Most Out of Your Car's Anti-Locking Brakes
Liberty Mutual, Travelers, and Geico have the best anti-locking brakes car insurance discounts. Geico has cheaper monthly rates, but Liberty Mutual offers the biggest ABS discount of 15%.
Anti-lock brakes can help lower your insurance costs, but you won’t automatically get the best deal. Insurers apply discounts differently, and some bundle ABS savings with other safety features. To maximize your discount, check your policy details, ask about available savings, and compare quotes from multiple providers.
Beyond ABS, other vehicle safety features, your driving record, and what it tracks also impact final rates. While ABS helps reduce accident risks, insurers look at the bigger picture when pricing policies. Reviewing your coverage regularly ensures you’re getting all possible discounts to keep your insurance costs as low as possible.
By entering your ZIP code, you can get instant car insurance quotes from top providers.
Frequently Asked Questions
What are anti-lock brakes in insurance?
In insurance, anti-lock brakes refer to a vehicle’s braking system designed to prevent wheel lock-up during sudden stops. Insurers factor ABS into their safety rating system, often offering lower premiums for cars equipped with ABS because they are less likely to be involved in severe accidents.
What is the disadvantage of an anti-lock braking system?
The main disadvantage of ABS is that it can increase stopping distance on gravel, ice, or snow-covered roads. Some drivers also find the brake pulsation unsettling during emergency stops. Additionally, ABS repairs can be expensive if the system malfunctions.
Read More: 10 States With The Most Fatal Winter Crashes
Do anti-lock brakes make car insurance cheaper?
Yes, many insurers offer discounts for vehicles with anti-lock brakes because they reduce the risk of skidding and accidents. The discount varies by provider but usually falls between 7% and 15%.
Does upgrading brakes increase car insurance?
It depends on the upgrade. If you replace standard brakes with performance brakes, insurers might see this as a modification that increases risk, leading to higher premiums. However, upgrading to anti-lock brakes can lower your insurance cost if your insurer offers a discount for ABS-equipped vehicles.
What is the main advantage of an anti-lock braking system?
The biggest advantage of anti-lock braking systems (ABS) is that they allow drivers to maintain steering control while braking hard, reducing the risk of skidding and collisions. This is particularly helpful in emergencies where a driver needs to stop quickly but still maneuver around an obstacle.
Is it good to have anti-lock brakes?
Anti-lock brakes help prevent skidding and keep drivers in control during sudden braking, especially on wet or icy roads. Since ABS reduces accident risks, most newer vehicles include it. Understanding how ABS works is as important as knowing the steps to take after a car accident to stay safe and handle the situation properly.
Are ABS brakes expensive?
The cost of ABS depends on the vehicle and repair needs. While most modern cars come with ABS as standard, replacing a faulty ABS module can cost between $300 and $1,000, depending on the car model and labor costs.
Is it safe to drive without anti-lock brakes?
It is less safe to drive without ABS, especially in wet or icy conditions. Without ABS, wheels can lock up during sudden braking, increasing the risk of skidding and losing control. However, experienced drivers can still manage without ABS by using proper braking techniques.
Are brake pads covered under insurance?
No, brake pads are not covered under standard insurance policies because they are considered routine maintenance. However, if your brakes are damaged in an accident, your collision vs. comprehensive insurance may cover the repair costs.
Do anti-lock brakes reduce the number of car crashes?
Yes, multiple studies show that anti-lock brakes help prevent accidents by maintaining traction during emergency braking. ABS reduces the likelihood of rear-end collisions and loss-of-control crashes, making it a key safety feature for insurance companies when assessing risk.
What is the difference between standard brakes and anti-lock brakes?
Standard brakes can cause wheel lock-up if you brake too hard, leading to skidding and loss of control. Anti-lock brakes (ABS) prevent this by automatically adjusting brake pressure, allowing the driver to steer while stopping.
Are anti-lock brakes mandatory?
Since 2013, all passenger vehicles in the U.S. are required to have anti-lock brakes. Many other countries have similar laws, making ABS a standard safety feature. However, the availability of ABS can still depend on the car make and model, especially for older vehicles or budget trims.
Are anti-lock brakes good or bad?
Anti-lock brakes are good because they help prevent skidding and improve braking control. However, they are less effective on loose gravel, snow, or ice, where they can increase stopping distances.
Enter your ZIP code into our free comparison tool to see how much car insurance costs in your area.
What roads are anti-lock brakes effective?
ABS works best on dry and wet pavement, where it helps prevent skidding and allows controlled stops. However, on loose gravel or icy roads, ABS can slightly increase stopping distance, though it still helps maintain steering control.
Can brake lock motorcycle systems be prevented with ABS?
Motorcycles with ABS help prevent brake lock-up, lowering the risk of skidding and crashes during sudden stops. Research shows that ABS-equipped bikes have fewer accidents. Many insurers recognize this safety benefit and offer motorcycle insurance discounts for riders with ABS-equipped motorcycles.