Insurance Discounts For Daytime Running Lights

Daytime Running Lights

Question: Is there a discount available if my car has Daytime Running Lights?

Answer: Yes.  Many insurance carriers offer a 2 to 5% discount for vehicles equipped with automated daytime running lights as original factory equipment.

Daytime running lights were introduced in Sweden in the 1970’s.  Given the high latitude of Sweden, and the resulting lower amount of light during winter days, daytime running lights were helpful as a safety feature. Analysis conducted in Sweden showed them to be very effective at reducing crashes and fatalities.   As a result, Sweden mandated DRL’s on all new cars sold in Sweden after 1977.

Most studies conducted since have shown Daytime Running Lights to be effective at reducing accidents and fatalities. (1) (2) DRL’s are now mandatory for new vehicles sold in Canada, Russia, and the European Union.  

Question: Are daytime running lights mandatory on new vehicles sold in the United States?  

Answer: They are not mandatory.  Despite the myriad of studies showing likely benefits from daytime running lights, they remain optional on vehicles sold in the United States.  

As daytime running lights have been shown to reduce accident frequency and fatalities, many insurance companies offer discounts on vehicles equipped with daytime running lights as standard equipment.  Typically, the discount ranges from 2 to 5%.  New York State actually went so far as to require a 2.5 to 3% discount on vehicles equipped with daytime running lights as original factory equipment.

However, just like many other auto discounts, you may need to ask your insurance agent or insurance company for the discount.  They may not know that you have the daytime running lights on your vehicle.

When shopping for your insurance, it is important that you ask your insurance agent or company about the myriad of other discounts for which you may qualify.  Failing to take advantage of all the discounts which you may qualify for could cost you hundreds of dollars each year.  For a good list of potential discounts to discuss with your agent or insurer, see the additional articles below.   

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