What Is the Anti-Lock Brakes Discount?

Anti-lock brakes can help keep you safe when you drive. They can also get you a discount on your car insurance. Learn how it works here.
Anti-lock brake system light on car dashboard.

Driving can feel like second nature when you’ve been doing it for a while. But roads, and the people on them, can be random and dangerous. Accidents can always happen, even if you try your hardest to stay away from them.

Luckily, today’s cars come equipped with many safety features that can lessen the effects of accidents or even stop them before they happen. But not only are you safer with newer cars, owning a vehicle with modern safety features can help you save money on your car insurance. Many auto insurance companies will give you a discount if you have certain safety measures on your car.

One type of auto safety feature that can get you a car insurance discount from several insurers is an anti-lock braking system. This article will tell you how anti-lock braking equipment discounts work. We’ll also talk about the major insurance companies that offer an anti-lock brake discount on auto insurance.

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What Are Anti-Lock Brakes?

An anti-lock braking system (ABS) is an auto safety feature that helps prevent you from losing control of your car if you need to make a sudden stop. Specifically, it stops your wheels from locking up when you brake, which could cause you to skid and lose control. If an ABS is on your car, it’ll automatically pump your brakes and help your car keep its traction. Many modern cars already come with an ABS as a main safety feature. 

How Does the Anti-Lock Brakes Discount Work?

Car insurance companies offer several types of discounts to customers. These can be for things such as customer loyalty, safe driving, or even personal things about you like your academic performance or your job. Insurers often do this to reward drivers who are less at risk of getting into accidents and, in turn, costing them money.

You can get the anti-lock brakes insurance discount if you have an ABS on your car. Many insurers will also only offer the discount if your ABS is factory-installed. Though an after-market ABS could still help you stay safe, it likely won’t be able to help you save on insurance with most companies. Owning a car with updated safety equipment such as an ABS will prove to your insurance provider that you care about owning a safe car. It’ll also help you avoid costly accident claims.

You could see a good percentage off your car insurance rates if you qualify for the anti-lock braking equipment discount. For instance, GEICO offers a 5% discount if you have a factory-installed ABS. But keep in mind you could also be eligible for other vehicle safety insurance discounts if you have a new car. Common examples include:

Note that not every insurer will offer an ABS discount. Insurance companies handle every discount their own way, giving different savings or requirements. It’s a good idea to contact your insurance agent to find out more about the discounts your insurance provider offers.

You could even try finding another company that offers better savings opportunities or car insurance rates if your provider doesn’t have what you want. One of the most popular strategies is to compare insurance prices between top companies. You could end up walking away with a better deal and more chances to get discounts.

Who Offers the Anti-Lock Brakes Discount?

Several insurance companies offer an anti-lock brake discount. But remember, you only get the discount if your ABS is factory-installed. We recommend contacting your agent from your respective insurance company if you have any questions on how to get the ABS discount.

Below is a list of major auto insurance companies that have an anti-lock brake discount:

Be aware that some companies may not specifically offer the anti-lock brake discount but may still give you savings if you have advanced safety features on your vehicle. You also may be able to get it from local companies that aren’t listed here.

Frequently Asked Questions

Q: Are anti-lock brakes good or bad?

A: Anti-lock brakes are a very important safety feature. They can be helpful if you find yourself in a situation where you need to stop quickly. They prevent your wheels from locking up, helping you maintain traction rather than losing control. Having an ABS on your car can also help you get an auto insurance discount.

Q: Is car insurance cheaper with anti-lock brakes?

A: Car insurance can end up costing less if you have anti-lock brakes or ABS. Savings usually take the form of discounts from your auto insurer. You can also get discounts for having other safety equipment. And you may end up in fewer accidents. And that will save you money, time, and grief.

Q: How do I know if I have anti-lock brakes?

A: You’ll usually be able to know if you have anti-lock brakes if you can see a light that says “ABS” on your dashboard when turning your key to the “On” or “Power” position. You could also look up your car’s model and see if it has anti-lock brakes.

Q: How do I tell my car insurance company I have anti-lock brakes?

A: Your insurer may be able to find out if your car has an ABS when you provide your make and model to them. You can also try talking to your insurer to learn its anti-lock brake discount requirements.


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