Some insurance companies offer discounts for drivers who install dashcams in their vehicles. While not all insurers provide this benefit, those that do see dashcams as a way to encourage safe driving and provide evidence in case of an accident. Here’s what you need to know about dashcam insurance discounts:

🔹 Why Do Insurers Offer Discounts for Dashcams?

1. Proof in Accidents – Dashcams provide video evidence in disputes, reducing fraudulent claims.
2. Encourages Safe Driving – Drivers with dashcams tend to be more cautious.
3. Prevents Fraud – Helps combat “crash-for-cash” scams and false injury claims.
4. Quicker Claims Process – Clear footage can speed up claim settlements.

🔹 How Much Can You Save?

• The discount varies by insurer and location.
• Typical savings range from 5% to 15% on premiums.
• Some insurers may not offer direct discounts but consider dashcam footage when assessing claims.

🔹 Which Insurance Companies Offer Dashcam Discounts?

• In the U.S.: Dashcam discounts are not widely available, but some companies may offer benefits indirectly.
• In the UK: Insurers like AXA, Admiral, and Swiftcover have offered incentives for using dashcams.
• In Canada & Other Countries: Availability varies by provider.

🔹 How to Get a Dashcam Discount?

1. Check with Your Insurer – Ask if they offer discounts for dashcam use.
2. Choose an Approved Dashcam – Some insurers require specific brands or features.
3. Prove Dashcam Usage – You may need to submit footage or show proof of installation.

🔹 Best Dashcams for Insurance Discounts

• Garmin Dash Cam Series
• Nextbase 622GW (Popular in the UK)
• Vantrue N4 (Great for rideshare drivers)
• BlackVue DR900X (High-end option)

🚗 Why Don’t Most U.S. Insurers Offer Dashcam Discounts?

Unlike telematics-based programs (which track driving behavior via apps or devices), dashcams are passive recording devices. Most U.S. insurers prefer tracking real-time driving habits (speed, braking, mileage) over just having accident footage.

However, some regional insurers, commercial auto policies, and usage-based insurance (UBI) providers may offer discounts for dashcams, particularly for fleet and rideshare drivers.

📌 U.S. Insurance Companies and Dashcam Benefits

Here’s how some major insurance companies in the U.S. view dashcams:

🔹 State Farm

• No official discount for dashcams.
• May consider dashcam footage as supporting evidence in a claim.

🔹 GEICO

• No advertised discount.
• Dashcam footage can help settle accident disputes.

🔹 Progressive (Snapshot Program)

• No direct discount for dashcams.
• Offers discounts via the Snapshot program, which tracks driving behavior through a mobile app or plug-in device.

🔹 Allstate (Drivewise Program)

• No dashcam discount, but Drivewise rewards safe driving with lower premiums.

🔹 USAA (For Military Members & Families)

• No official dashcam discount, but having a dashcam may help with claims.

🔹 Nationwide (SmartRide Program)

• No direct dashcam discount.
• Offers discounts via SmartRide, which uses telematics to track driving habits.

🚚 Commercial Insurance & Rideshare Drivers

Some commercial insurance providers and rideshare-specific insurance (for Uber & Lyft drivers) offer incentives for dashcam usage:

• Lytx, Samsara, and Nexar provide dashcam-integrated insurance programs for fleet vehicles.
• Rideshare drivers (Uber/Lyft) often install dashcams for security, and while it doesn’t lower premiums, it can help in disputes.

💰 How a Dashcam Can Indirectly Lower Insurance Costs

Even if your insurer doesn’t offer a direct discount, having a dashcam can still help you save money:

✔ Prove Fault in Accidents – Helps avoid wrongful blame, which can prevent premium increases.
✔ Fight Fraudulent Claims – Protects against staged accidents (e.g., “crash-for-cash” scams).
✔ Avoid Unjust Traffic Tickets – Dashcam footage may help dispute tickets, preventing points on your record.
✔ Negotiate Lower Rates – Some insurers may consider dashcam footage when assessing claim history.

📢 How to Check for Dashcam Discounts in the U.S.

Since discounts vary by state and insurer, follow these steps:

1️⃣ Call Your Insurance Provider – Ask if they offer a discount for dashcam users.
2️⃣ Check Local & Regional Insurers – Smaller providers sometimes have dashcam incentives.
3️⃣ Look for Usage-Based Programs (UBI) – Consider telematics programs that track safe driving.
4️⃣ Leverage Dashcam Footage for Claims – Even without a discount, having footage can prevent unfair premium hikes.