Best Anti-Theft Car Insurance Discounts in 2024 (Save up to 25% With These Companies)
The best anti-theft car insurance discounts comes from State Farm, Geico, and Progressive, offering savings of up to 25%. These providers reward policyholders for investing in anti-theft systems, making them the best options for affordable and reliable coverage while enhancing vehicle security.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 8, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Nov 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The best anti-theft car insurance discounts is State Farm, followed closely by Geico and Progressive, which also provide substantial savings. These providers provide discounts to consumers who purchase proven anti-theft systems, with discounts of up to 25% available.
Understanding the different anti-theft discounts—like passive and active alarm discounts—can help you choose the right coverage. Be sure to compare car insurance by coverage type to find the best protection and savings for your needs.
Our Top 10 Company Picks: Best Anti-Theft Car Insurance Discounts
Company Rank Savings Potential A.M. Best Who Qualifies?
#1 25% B Drivers with approved anti-theft devices
#2 23% A++ Drivers with factory-installed or aftermarket devices
#3 20% A+ Drivers with qualified anti-theft systems installed
#4 15% A+ Policyholders with approved theft prevention systems
#5 15% A Drivers with advanced anti-theft technology
#6 10% A Vehicle owners with installed anti-theft devices
#7 10% A+ Customers with recognized anti-theft systems
#8 10% A++ Policyholders with certified anti-theft technology
#9 10% A++ Military families with anti-theft devices installed
#10 5% A Drivers using approved anti-theft systems
As car theft rises, its extra security features not only makes the vehicle safer but it could also mean a considerable saving to your insurance premium.
Explore your car insurance options by entering your ZIP code above and finding which companies have the lowest rates.
- Discover the best anti-theft car insurance discounts that can save you up to 25%
- Geico and Progressive offer competitive anti-theft car insurance discounts
- State Farm stands out as a top pick for affordable and reliable coverage options
Understanding Anti-Theft Discounts on Auto Insurance
Auto insurance companies provide various discounts to make their rates more competitive. A related discount to keep in mind is this one, a premium breaker for vehicles with alarm systems such as LoJack.
These anti-theft devices and discounts are even more important if you live in one of the states with the highest vehicle theft rates. Even without an actual theft happening to you, simply the volume of thefts where you live can set off a chain reaction of elevated insurance rates.
Anti-Theft Discounts
The majority of the auto insurance discounts you will see on your auto policy are a static percentage. That fixed percentage is deducted from your total premiums, or the premiums for certain types of car insurance coverages, as long as you qualify. Anti-theft discounts are a little more complicated because there are several types.
Anti-Theft Monthly Min. Coverage Insurance Rates After Discount
| Insurance Company | Rank | Monthly Rates |
|---|---|---|
| #1 | $120 |
| #2 | $115 |
| #3 | $110 |
| #4 | $105 |
| #5 | $125 |
| #6 | $112 |
| #7 | $117 |
| #8 | $109 |
| #9 | $113 |
| #10 | $90 |
Before you take for granted that putting an alarm in your automobile is a bargain, you’ll want to discover the way much the safety measure will certainly impact on your premiums.
Don’t install an alarm simply because of the possibility you’ll save on insurance; install one because it will keep your car protected. To determine what constitutes the best car insurance, it is important that you base your coverage on your needs and the safety features of your vehicle.
Passive Alarm Discounts
Auto insurance companies provide passive alarm discounts to policyholders that have installed a passive alarm system into their vehicle. These systems are automatically activated when the driver takes his keys out of the ignition and closes all the doors, providing a permanent protection without any act from the part of steering.
- Increased Security: Passive alarms generally like I said are always activated on its own whenever the car is left alone and this feature makes it pretty hard for thieves to rob your vehicle.
- Higher Discounts: Most insurance companies provide higher discounts on passive alarm systems than active systems because the former provides a sense of security and peace of mind.
- Convenience: A passive alarm is extremely convenient as it activates automatically, with no need for the driver to remember to set the alarm each time before leaving his or her vehicle, thereby ensuring that he or she does not accidentally leave their car vulnerable by forgetting.
On the whole, passive alarm discounts are a good way for drivers to increase the security of their car and save quite a bit of money when it comes to car insurance premiums. Using a passive alarm system that is reliable can allow policyholders to inform their insurers and get the most for their money as well as sleep sound knowing there is little chance of loss.
This table compares monthly rates for anti-theft car insurance across various providers based on driving records, including rates for drivers with a clean record, one accident, one DUI, and one ticket.
Rates vary significantly by provider, highlighting options from Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, and USAA.
Active Alarm Discounts
This is a type of alarm that you can buy in local auto stores and this is the cheapest kind of an alarm system. With this kind of system you need to physically activate the alarm every time you get out of the car by pressing a button. Without actively setting the alarm, though, the car is not protected. This is also the reason for low active alarm discount.
To ensure you get the best rates on car insurance, it’s essential to compare car insurance rates by vehicle make and model, as having security features can impact your premium. An active disabling device is a cut-off system that you must activate to prevent the fuel, ignition, or starter from operating, usually via a button on your car key.
Engine Disabling Alarm Discounts
The biggest auto anti-theft discount is reserved for cars with a passive engine-disabling alarm, the first item in the list of safety features car insurance discount qualifiers. Passive means that the alarm arms itself and Engine-disabling means the alarm is integrated with the computer system in a car to disable ignition or disable engine when an alarm goes off.
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5-Year Study Reveals the 15 States with the Highest Stolen Vehicle Rates. #WashingtonDC has the most thefts! https://t.co/P93vhX1Fpu #cartheft #stolencar #driving pic.twitter.com/vd0bqsPzBy
— iTraq (@iTraqTag) June 17, 2021
In the event anyone triggers the alarm, driving off with the car becomes impossible. Savings on these alarms tend to be bigger, and most of the time these sophisticated systems will need to be professionally installed.
Tracking or Recovery System Discounts
While a vehicle recovery system isn’t necessarily an alarm that deters theft, it is a system that helps the vehicle owner find where their car is if it is successfully stolen. Many companies offer a vehicle recovery car insurance discount.
This is an odd reason to give a discount for what is essentially an anti-theft system that does not prevent theft, but insurance companies do like to reward folks ensuring owners can find their cars.
In contrast, LoJack and OnStar vehicle recovery systems must be purchased and activated by the owner while they also pay for a subscription to track the car as long as it is operating. The subscriptions are pretty much annual, so as long as you can prove to be subscribed, you will qualify for the biggest anti-theft credit.
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The Impact of Anti-Theft Alarms on Auto Insurance Discounts
Each company offers different rewards for their customers. Then again, when reviewing the value of these systems, some carriers may see an anti-theft alarm for your car as a worthwhile investment, while others might feel that these systems don’t add much value. However, statistics indicate that over 721,000 cars are stolen annually, pointing to common ways cars are stolen.
This theft costs insurers hundreds of millions. Offering nominal discounts makes much more sense than not incentivizing people to install alarms in their vehicles.
The highest anti-theft car insurance discounts — as much as 25% — go to drivers who invest in proven security systems, and State Farm leads with this benefit.
Brad Larson Licensed Insurance Agent
Most insurers offer discounts due to a 7.2% decrease in auto thefts. With most insurance companies, the savings for a passive alarm range between 15% and 20%, while active alarm discounts may be between 5% and 10%. If you also have a LoJack system discount, you could combine that 25% discount with your other anti-theft discount for additional savings.
Limitations of Anti-Theft Discounts on Insurance Premiums
Even if you do install a vehicle recovery system, chances are that is just 25% off your total premium. Wouldn’t it be great if that were true, but anti-theft discounts are one of the few type of discounts to apply only to premiums for certain coverages.
The alarm systems offer a means to mitigate risk, but the only real risk they help with is that of theft – so your discount will be applied toward the comprehensive premium on your vehicle. Comprehensive car insurance provides coverage for both vandalism and theft claims.
Having the anti-theft device will not influence any other premium. That is why you should not want to put your device simply for a savings reason, especially when you are not carrying full coverage car insurance.
- Passive Car Alarms: A type of alarm system that activates automatically when a driver locks the car with their key as fob. These alarms fall under the driver and forget category because once the vehicle is locked, no action has to be carried out.
- Active Car Alarms: Allow the driver to activate the alarm system automatically once leaving the vehicle Typically, this requires pressing a specific button on the key fob to enable the alarm system. These offer almost the same level of protection as passive alarms, but they depend on the driver to turn the system on which can be a disadvantage.
- Silent Car Alarms: There are systems that directly contact the owner when they move. Silent alarms, on the other hand, may not be as effective at deterring burglars since they cannot scare them away or inform passersby, although they do minimise disturbances.
Selecting a suitable car alarm system is the key to keeping your vehicle safe. While passive alarms are automated and convenient, active types require the presence of a driver to activate.
While silent alarms are much more discreet, they might not be as effective at deterring thieves as the best audible ones. Evaluate the two and you can choose a system that caters to your security requirements and guarantees an additional level of peace of mind while traveling on the road.
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Case Studies on Anti-Theft Discounts: Maximizing Vehicle Security and Savings
With car theft on the rise, owners are installing smarter systems that not only enhance safety but also save money on premiums. In this article is a look at case studies demonstrating that anti-theft measures like passive alarms, engine-disabling systems and tracking devices can result in discounts on comprehensive insurance rates, while certain security investments may reduce costs.
- Case Study #1 – Passive Alarm Discount: Sarah Gets Active With Her Passive Alarm. She gets a 15 percent anti-theft discount on her comprehensive coverage after telling her insurer about it. This way she can compare monthly rates on car insurance, make sure her vehicle is safe and save money while doing it.
- Case Study #2 – Engine-Disabling Alarm Discount: If John puts an engine- immobilizing alarm in his new car, he qualifies for an insurance discount. He notifies his insurer so that he can get a 25% anti-theft discount on comprehensive coverage, improving the safety of his car while also saving money.
- Case Study #3 – Tracking or Recovery System Discount: Lisa has a tracking or recovery system installed, which interacts directly with the police to facilitate car retrieval in case of theft. She also notifies her insurance provider of both installed and continuous tracking service, giving a complex anti-theft fee discount.
These case studies show the worth of anti-theft systems, as better security then equates to moreover insurance savings.
As vehicle security technology continues to improve, these options are worth spending on for both safety and savings.
The Value of Anti-Theft Discounts on Your Car Insurance
Anti-theft devices are another addition that you can get for added protection and as a bonus it may help in lowering the cost of your car insurance premium. Many providers, including State Farm, Geico, and Progressive give larger discounts to drivers with effective anti-theft devices than anyone else on their list — perfect for budget-conscious motorists.
By understanding the various types of anti-theft discounts available, you can make informed decisions that not only protect your car but also save you money. To effectively compare ways to save money on car insurance, be sure to compare quotes and take advantage of these valuable discounts to maximize your savings.
Find out if you’re overpaying for car insurance and check out who has the cheapest car insurance rates. Enter your ZIP code below to get started with our free comparison tool.
Frequently Asked Questions
What is a 25 combination anti-theft system?
A 25 combination anti-theft system utilizes multiple security features and strategies to prevent vehicle theft, often integrating alarms, immobilizers, and tracking devices for enhanced protection.
What is the difference between active and passive disabling devices?
Active disabling devices require the driver to manually activate the system to secure the vehicle, while passive disabling devices automatically engage when the driver exits the vehicle, providing continuous protection without additional steps.
What is an anti-theft device discount in car insurance?
A discount for anti-theft devices is a way for insurance companies to reduce your car insurance premium if the policyholder has an approved qualifying theft prevention option installed on their vehicle. This is one of the many ways to lower the cost of your insurance, encouraging drivers to enhance their vehicle’s security while benefiting from potential savings on their premiums.
How does a passive disabling device work?
A passive disabling device automatically disables the vehicle’s fuel system or ignition when the key is removed, preventing the engine from starting unless the proper key is used. Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
What qualifies as a passive anti-theft device?
A qualifying passive anti-theft device is one that activates automatically without user intervention, such as a system that disables the ignition or fuel pump when the driver leaves the vehicle.
What is an active vehicle recovery system?
An active vehicle recovery system is a tracking technology that helps locate stolen vehicles, such as GPS-based systems providing real-time tracking. For added savings, drivers should explore the best usage-based car insurance companies, which often offer discounts for vehicles with these systems.
What is an active alarm system?
An active alarm system is a security measure that requires the driver to manually activate the alarm each time they exit the vehicle, providing audible alerts if unauthorized access is detected.
What are some examples of active disabling devices?
Examples of active disabling devices include systems that require the driver to press a button to prevent the fuel or ignition from operating, or systems that use a key fob to disable the vehicle’s functionality.
What is anti-theft coverage in car insurance?
Car insurance with anti-theft coverage protects vehicle-related losses such as a stolen car, often included under comprehensive policies that protect the car’s value if it is stolen. If you want to know what sort of compensation you are entitled to, you need to learn how to calculate the total loss value of a vehicle, which considers market value, depreciation, and deductibles.
What is the difference between alarm-only and active disabling devices?
Alarm-only systems sound an audible alert to deter theft but do not prevent the vehicle from starting, whereas active disabling devices require manual activation and prevent the engine from operating.
What is the best car alarm for vandalism protection?
Usually, it offers motion sensors, a glass break sensor, and a loud siren to scare off potential vandals, which makes it the best car alarm for vandalism protection.
Do all cars have an anti-theft system?
Not all cars come equipped with an anti-theft system; however, many modern vehicles include built-in features as standard. According to “The Top 97 Most Reliable Vehicles,” these reliable models often incorporate advanced security technologies to deter theft.
What is a cheap car alarm?
A cheap car alarm typically refers to budget-friendly security systems that provide basic features, such as sound-only alarms or simple remote control mechanisms, suitable for entry-level security needs.
How much does LoJack save on insurance?
LoJack can save vehicle owners up to 25% on their insurance premiums, depending on the insurer’s policies. Many providers offer LoJack car insurance discounts for those who install this system, reflecting the added security it provides against theft.
How much does a security system save on insurance?
Car insurance providers also differ in their standards for what qualifies as an effective security system, using discounts ranging anywhere from 5% all the way up to 25%.
How can I know what kind of anti-theft device my car has?
To determine what kind of anti-theft device your car has, check the vehicle’s manual, consult the manufacturer, or look for stickers or labels indicating the presence of a specific security system.
Do anti-theft devices help in lowering insurance rates?
Yes, installing anti-theft devices can lead to lower insurance rates, as insurers often provide discounts for vehicles equipped with effective security systems that reduce the risk of theft. This is just one of the different ways to lower car insurance rates, which can also include maintaining a clean driving record, taking advantage of multi-policy discounts, and shopping around for the best quotes.
What is a non-passive alarm system?
A non-passive alarm system, also known as an active alarm system, requires the driver to manually engage the alarm before leaving the vehicle, relying on user intervention for operation. Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code below to begin.
What are the best strategies for car theft prevention?
Best ways to prevent car theft: Use quality anti-theft devices (alarms, immobilizers, etc.), park your vehicle in well-lit and populated areas, use a steering wheel lock, and keep valuables out of sight inside the car. Routine maintenance of your automobile, as well as ensuring doors are locked, can also play a huge role in minimizing the risk of hijacking.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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.
