Most personal auto insurers in the US and Canada do not give a dash cam discount. The value is in the claim: proof of fault, hit-and-runs and false claims.
Short answer: usually not directly. Most personal auto insurers in the US and Canada do not offer a discount for having a dash cam. Where a camera saves money is in a claim: clear footage can show you were not at fault, protect your record and stop a false claim.
What insurers actually offer
• Progressive says it does not offer a dash cam discount.
• In Canada, brokers report that most insurers do not offer one either.
• GEICO DriveEasy Pro offers up to 10% at first, but for eligible commercial and trucking customers using GEICO-supplied equipment, not for a camera in a personal car.
• Intact offers some customers preferred pricing on camera equipment, not an automatic premium discount.
Discounts change, so ask your own insurer or broker. Do not buy a camera expecting a discount you have not confirmed.
Where a dash cam saves you money
• Fault disputes: a rear-end or a red-light crash where the other driver tells a different story.
• Hit-and-runs: footage can identify the car that left. If the driver is never found, coverage and deductibles depend on your policy; in BC, for example, ICBC lists a $750 deductible on its optional hit-and-run coverage.
• Staged or false claims: video shows what really happened.
• Your record: an at-fault claim can raise premiums for years. Proof you were not at fault protects that.
How to use footage in a claim
• Press the lock button or let the impact sensor lock the clip.
• Save the original file to your phone or computer the same day. Do not edit or trim it.
• Tell your insurer you have video and send the original when they ask.
• Share it with police if a report is filed.
How common dash cams are
Survey estimates vary: about 20% of personal drivers in a March 2025 Nationwide survey, and 30% of drivers in a June 2025 survey of 989 people, rising to 53% among gig workers.
A front and rear camera covers the two most common disputes. See our 2K Front and Rear Dash Cam, or compare every model on our comparison page.
Frequently asked questions
Do I have to tell my insurer I have a dash cam?
Usually not. It can help to mention it when you file a claim.
Can dash cam footage be used against me?
Yes, video shows what happened either way. Drive as if the camera is always watching, because it is.
Does a dash cam help after a parking lot scrape?
Only if it was recording. That needs parking mode with constant power.
Sources
• Progressive: insurance benefits of a dash cam
• GEICO DriveEasy Pro help center
• Western Financial Group: does car tech get you a better rate?
• ICBC: hit and run claims
• Nationwide: 2025 driver survey