Can I Get Cheaper Car Insurance if I Have a Backup Camera?


A camera driving a carAuto insurance companies may not offer a specific discount for having a car equipped with a backup camera, but having this safety feature on your car could increase the car’s safety record and result in lower insurance premiums in the long run.

Motorists operating vehicles that are equipped with rear-view cameras are less likely to strike objects or pedestrians that are behind them while backing up. The ability to see objects that are behind a vehicle through an on-dash display that would otherwise be in a blind spot gives drivers a better chance to avoid a back-over crash.

By avoiding these types of crashes, policyholders also avoid property damage and bodily injury claims, which keeps them from experiencing insurance premium surcharges, rate hikes, or loss of current discounts like the claims-free or good-driver discount.

More importantly, installing a backup camera can also save lives and prevent injuries that, unfortunately, often involve small children. It can be nearly impossible to see a child whose height is less than the trunk or bed of a vehicle, but these cameras can help detect children and other smaller objects.

The National Highway Traffic Safety Administration (NHTSA) estimates that there are, on average, 292 fatalities and 18,000 injuries a year involving back-over crashes, and children and the elderly are most affected.

Push to Mandate Improvement of 'Rearward Visibility'

The Cameron Gulbransen Kids Transportation Act of 2007, which is named after a 2-year-old child who was accidentally killed by his father who was backing out of the family's driveway, was  signed into law by former President George W. Bush in February 2008 and focuses on protecting children from becoming victims of backup crashes.

The act required the Secretary of Transportation to initiate rulemaking to consider enhancing power-window safety, rearward visibility, and preventing vehicles from rolling away. It states that the standard for expanding the required field of view could be met by the provision of additional mirrors, sensors, cameras, or other technology.

It was expected that all vehicles would be required to come equipped with a rear-view camera by 2014, but developing and implementing the regulations have seen multiple delays, and these delays may push that estimate back.

Consider Cameras Anyway

Getting a discount on auto insurance for having a backup camera equipped on your car would be a plus, but there’s a more important reason you should consider adding this safety feature: to save lives, especially those of children.
Car sideview mirror
According to kidsandcars.org, at least 50 children are backed over by cars a week, with 48 being treated in hospital emergency rooms, and 2 ending in death.

Installing a rear-view camera can eliminate the blind spot that exists behind your car and enable you to see people or objects you otherwise wouldn’t be able to.