The Impact of Electronic Stability Control on Insurance

The impact of electronic stability control on insurance should not be underestimated. Electronic stability control automatically engages your brakes if you lose control of the car's steering. Electronic stability control systems significantly reduce the number of rollover accidents, especially with SUVs, and, therefore, electronic stability control affects car insurance. Safety features like ESC can reduce your car insurance rates by up to 8%.

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UPDATED: May 4, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 4, 2022Fact Checked

Here's what you need to know...

  • Electronic Stability Control will help reduce your insurance premiums
  • Electronic Stability Control greatly reduces the number of rollover accidents, especially with SUVs
  • Shopping around for car insurance will help you find the best price for the coverage you need

One of the many ways that you can save money on your car insurance is by driving a safer car. One of the features on a car that may save you money on your car insurance is electronic stability control.

Electronic stability control is tied to a computer system in your car. It detects when the driver is losing control of their steering and it uses the brakes to help the vehicle get back under control.

Although many people think of this mechanism as a way for the computer to steer the vehicle, all it is really doing is applying brakes on the wheels that are in danger of causing the vehicle to tip.

Although electronic stability control has been available since 1987, not every vehicle in the U.S. has it. The U.S. National Highway Traffic Safety Administration does not require electronic stability control.

However, it is highly recommended by them because of its effectiveness in preventing accidents.

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Electronic Stability Control’s Affect on Insurance Rates

You may be wondering how electronic stability control can have a positive effect on car insurance rates. After all, it is just a feature on a vehicle, right?

The truth is that electronic stability control is responsible for preventing accidents — something which has been proven by studies conducted by the U.S. National Highway Traffic Safety Administration.

In fact, the biggest benefit has been noted in the lessening of accidents involving the tipping of SUVs. If you recall, when SUVs first became popular in the 1990’s, there was some concern that they were too top-heavy and there were many incidents in which SUVs rolled.

Basically, these accidents were caused by a driver overcompensating a correction, which then caused them to lose control of the steering. This resulted in a turn too steep for an SUV to handle. The result was the vehicle tipping over.

With electronic stability control, however, there is a 67 percent reduction in tipping when these situations are simulated in controlled conditions.

What does this mean for you as an SUV driver? If you have electronic stability control, your risk of having an accident has been reduced and, consequently, you will be paying less for your auto insurance.

While the impact on your rates will be less for a car that has electronic stability control, in most cases you will still receive a discount for having this technology in your vehicle. Although the reduction of accidents was less in cars versus SUVs, there is still a risk reduction.

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Electronic Stability Control in More Expensive Cars

The bad news in this scenario is that, in many cases, you will find that electronic stability control is more readily available in expensive vehicles than in economy vehicles. This could lead to lesser savings for drivers.

When your car insurance rates are determined, one of the factors used to calculate your rates is the value of the car that you are driving. If you drive a $90,000 car, then you can expect your rates to be more expensive than if you drive a $15,000 car.

The reason for this is that the insurance company has to take into consideration how much they would have to pay out in a claim if you were to get into an accident.

Parts for a high-end car are more expensive than they are for an economy vehicle. If a high-end car is totaled, the cost for that will be much higher as well.

While many high-end vehicles have a myriad of safety features included standard that will offer you a discount on your auto insurance, you can still expect to pay more than you would for a less expensive vehicle.

This is definitely something you want to keep in mind if you are considering a certain type of vehicle that will strain your budget.

Saving Money on Your Car Insurance


The bottom line is that you can save money on your auto insurance by having great safety features, but you have to do more than that. You will also need to shop around for your auto insurance to ensure that you are getting the lowest rate for the services that you need.

While there are several ways that you can shop around for insurance, the fastest way, by far, is to use a quote tool like the one offered below.

By answering a few simple questions you are able to compare car insurance quotes from multiple sources in just a matter of minutes.

Get started on your car insurance quotes right now by entering your ZIP code below!

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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