Can You Get a Discount For Having a Dash Cam?

There is no such thing as dash cam discounts, but dash cam footage can prevent a rate hike if a claim is filed against you.
Written by Kianna Walpole
Edited by Jessica Barrett
Reviewed by Brice Regling
Dash cam insurance discounts don’t exist, but having a dash cam installed in your vehicle can help you avoid increased
car insurance
premiums after a car accident. 

The benefits of adding a dashcam to your car

While there are no
car insurance discounts
for dash camera installations, having a dash cam can benefit your insurance in other ways:
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Provide video footage as evidence
Footage from your dash camera can help in collision and non-collision-related events. Not only can these recordings speed up the claims process, but they can also provide indisputable proof that you were either not
at fault for an accident,
involved in a hit-and-run, or that your vehicle was damaged from severe weather.
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Monitor your driving habits
Dash cams may not come with discounts, but several insurance companies offer savings opportunities for
safe driving
. Keeping a
clean driving record
can help you lower your insurance premiums and lessen the risk of at-fault accidents in the future.
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Protect you from fraudulent claims
Insurance fraud is more common than most people think. If you believe that you were involved in a staged accident or that someone filed a fraudulent insurance claim against you, your dash cam footage may be able to save you from
rising premiums
and significant legal fees.
Dash cams can also help young drivers get better. Teen drivers experience some of the highest insurance costs as a result of increased risk for accidents. Although car insurance companies won’t necessarily lower your policy rate for installing a dash cam in your teen’s vehicle, it can help you monitor their driving habits and make them safer drivers.

4 key ways to save money on your car insurance

1. Keep an eye out for other types of discounts

You might not be able to get a discount on your car insurance policy with a dash camera, but many insurers offer discounts for other features:
Anti-theft devices: Nationwide, GEICO, and State Farm provide savings opportunities for drivers with anti-theft devices added to their vehicles. This includes alarms and steering wheel locks.
Vehicle safety features: Drivers with a car made in 1994 or newer can save up to 40% on their car insurance with State Farm depending on their make, model, and mileage.
Anti-lock brakes: If you have ABS installed on your vehicle, you can save with Allstate and GEICO.
Don’t have any extra safety features on your vehicle? You can also earn discounts for continuous insurance, having multiple policies with the same provider, opting into paperless policies, and displaying good driving habits. 

2. Compare quotes from multiple providers

If you’re looking for lower insurance premiums, you should be regularly shopping for car insurance. Getting new quotes every 6 months, at a minimum, will help you stay on top of the best rates and take advantage of potential savings opportunities with other insurance providers.
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If you shop with the
app, you’ll only have to create one profile to compare rates from up to 55 different insurance companies.
Jerry will walk you through each step of the process, from setting up your profile to choosing your coverages and applying relevant discounts.
And you can even turn on reshopping alerts to let you know when a better rate might be available.

3. Bundle services

If you’re a homeowner, you can
bundle your home insurance with your auto insurance
to help lower your monthly premiums. Renters can also opt for this solution if they already have purchased a renter’s insurance policy.
Keep in mind that this option is only available if you have both policies with the same provider—you can’t bundle two services from two different insurance companies. 

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4. Increase your deductible

Deductibles are the amount you must pay before your insurance kicks in. A lower deductible means you’ll have to pay less out of pocket when you file a claim—but since that increases risk and payouts for your insurance company, it means higher rates for you.
Most deductibles are between $500 and $1,000. Increasing your deductible will lower your insurance premium. But never increase it beyond what you can realistically afford if you need to make a claim.


Does having a dash cam lower insurance?

Although there are no discounts for dash cams, they can help you keep your car insurance costs low. Video recordings can act as proof against false claims, not-at-fault accidents, and theft and vandalism. 

Does GEICO give discounts for having a dash cam?

GEICO does not offer discounts for dashboard cameras—no insurance providers do. That said, GEICO provides discounts for anti-theft and anti-brake systems. 

How much does a dash cam cost?

Dash cams can run between $100 and $250, but those with high-resolution video and night vision can cost you up to $300 or more. 

Do dashcams help with insurance claims?

Dashboard cameras can be helpful with insurance claims as their video recordings can clarify how the accident took place and possibly prove your innocence.

Does USAA give discounts for dash cam?

USAA does not provide discounts for dash cams.

How much can you save with a dash cam?

You can’t save on car insurance with a dash cam—but you might be able to use dash cam footage to prevent an increase in your insurance rates after an accident. 

What drivers can benefit the most from a dash cam?

Most drivers can benefit from a dash cam, though teen drivers and families might be able to benefit the most.

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