Drive Safer and Save Money: How Subaru’s EyeSight System Reduces Insurance Premiums

Subaru is renowned for producing vehicles with exceptional safety features, and the EyeSight safety system is no exception. The safety system can not only prevent accidents but also lead to potential insurance savings. In this article, we will explore how the Subaru EyeSight system works, the benefits of owning a Subaru with EyeSight, how it reduces the risk of accidents, and how insurance companies view the system.

How Does the EyeSight System Work?

Subaru’s EyeSight system employs advanced technology, such as stereo cameras, to detect and respond to potential hazards on the road. The cameras are mounted on the windshield and can sense the distance and speed of obstacles in front of the vehicle. There are four primary functions of the EyeSight system:

  1. Adaptive Cruise Control – This system allows the driver to set a speed limit and maintain a safe distance from other vehicles. The system can automatically slow down or stop the vehicle if an obstacle is detected.

  2. Pre-Collision Braking – This system alerts the driver if a collision is imminent and will apply the brakes if necessary to avoid or reduce the severity of the impact.

  3. Lane Departure Warning – This system detects if the vehicle is drifting out of its lane and warns the driver with visual and auditory signals.

  4. Lane Keep Assist – This system works in conjunction with the lane departure warning to automatically steer the vehicle back into its lane if necessary.

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Benefits of Owning a Subaru with EyeSight

The EyeSight system significantly enhances the safety of drivers, passengers, and pedestrians. According to a study conducted by the Insurance Institute for Highway Safety (IIHS), Subaru’s EyeSight system can reduce the rate of rear-end crashes by up to 85%.

Apart from that, owning a Subaru with EyeSight can lead to potential insurance savings. A study conducted by the Highway Loss Data Institute revealed that there is a 33% reduction in the frequency of at-fault accidents for Subaru vehicles with EyeSight compared to those without it. Consequently, this means that insurance companies view them as safer vehicles and, therefore, offer lower premiums.

How EyeSight Reduces Accident Risk

The EyeSight safety system significantly reduces accident risks in several ways, including:

  1. Quick Response: The EyeSight system can detect obstacles and react faster than human reflexes, reducing the risk of accidents.

  2. Improved Braking: The Pre-Collision Braking system can automatically apply the brake to avoid or reduce an impact.

  3. Better Visibility: The Lane Departure Warning system can alert the driver when they might be driving off the road, especially at night.

  4. Maintaining Safe Distance: Adaptive Cruise Control is useful in maintaining a safe distance from other vehicles, especially during heavy traffic.

Insurance Companies’ Views on EyeSight

Most insurance companies consider the EyeSight safety system a valuable addition to Subaru vehicles. According to an article by Forbes, a study by the IIHS showed that insurance claims filed by Subaru vehicles with EyeSight are 33% lower than those without it. When there are fewer claims, insurance companies are less likely to hike up premiums, making it attractive for Subaru drivers.

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Q: How much can I save on insurance premiums by owning a Subaru with EyeSight?

A: The precise amount of insurance savings isn’t straightforward, but the reduction falls within the range of 5-20%, depending on the insurance carrier.

Q: Are there any downsides to the EyeSight system?

A: Although the EyeSight system is generally reliable, it could fail in certain situations such as fog, heavy snow, or heavy rainfall. It’s also worth noting that although the system can enhance safety, it’s not a substitute for responsible driving.


Subaru’s EyeSight safety system is an advanced technology that significantly reduces accident risks and could lead to potential insurance savings. The system works by detecting obstacles and responding faster than human reflexes, thus reducing the risk of accidents. According to studies by IIHS and the Highway Loss Data Institute, owning a Subaru with EyeSight could lead to lower premiums due to its efficacy in reducing accident risks. In conclusion, the EyeSight safety system offers a range of safety benefits and potential insurance savings, making it a valuable investment for drivers who prioritize safety.

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Peter Banks

With years of experience as a professional mechanic and Subaru specialist, Peter is one of the most respected members of our team. He's written several articles on Subaru maintenance and repair, and his advice and tips are always practical and helpful. When he's not working on cars, he enjoys cooking and trying out new recipes.

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