
Geico, Allstate, and Progressive offer the best anti-theft device car insurance discounts, with savings of up to 25%. Geico has the lowest rates.
Insurance Company | Rank | Anti-Theft Device Discount | A.M. Best | Who Qualifies? |
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#1 | 25% | A++ | Drivers with advanced security features. |
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#2 | 25% | A+ | Users with alarm systems or immobilizers. |
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#3 | 25% | A+ | VIN etching or high-tech systems users. |
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#4 | 25% | A | Users with GPS or recovery devices. |
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#5 | 20% | A++ | Secured with garage or anti-theft tech. |
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#6 | 20% | A+ | Factory-installed or aftermarket systems. |
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#7 | 17% | A++ | Military members with certified systems. |
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#8 | 13% | A | Vehicles with visible theft deterrents. |
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#9 | 10% | A++ | Drivers using advanced anti-theft devices. |
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#10 | 10% | A | Vehicles with basic anti-theft features. |
Installing approved anti-theft devices is one of the best hacks to save money on car insurance, but each provider has specific qualifications. This guide breaks down the details of these discounts and how to maximize your savings.
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool to see affordable car insurance quotes.
What You Should Know
- Geico offers the best anti-theft device car insurance discounts
- Anti-theft devices can reduce car insurance rates by up to 25%
- Advanced systems like GPS tracking earn better anti-theft discounts
The Best Anti-Theft Devices That Qualify For Car Insurance Discounts
The best car insurance companies offer anti-theft discounts to drivers who install security devices that reduce the risk of vehicle theft. Since these devices lower the likelihood of claims, insurers pass the savings on to policyholders.
The anti-theft discount meaning refers to savings on your premium when you equip your car with devices that prevent auto theft, such as alarms, immobilizers, and tracking systems. Here’s a list of the best anti-theft devices that can help you qualify for car insurance discounts and lower your premiums:
- Steering Wheel Locks: A visible deterrent that makes theft more difficult.
- GPS Tracking Systems: Helps law enforcement recover stolen vehicles quickly.
- Car Alarm Systems: Alerts owners and deters thieves from breaking in.
- VIN Etching: Reduces theft risk by making stolen parts harder to sell.
- Smart Keys & Immobilizers: These ensure only the correct key can start the vehicle or prevent the engine from starting without proper authorization.
By installing these devices, you not only enhance your vehicle’s security but also become eligible for lower insurance rates. Insurance providers reward proactive measures that reduce the risk of theft, so investing in these technologies can lead to long-term financial benefits.
To get the best deal, compare discounts from top insurers and ensure your policy includes all available savings. Taking advantage of anti-theft discounts not only protects your car but also helps you save money on your premiums year after year.
How Anti-Theft Device Discounts Impact Car Insurance Rates
Installing an anti-theft device can help lower car insurance costs by making your car harder to steal. The table below shows how full coverage rates change after applying anti-theft device discounts from leading insurance companies.
Insurance Company | Before Discount | After Discount |
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$150 | $135 |
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$145 | $130 |
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$140 | $126 |
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$155 | $140 |
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$135 | $125 |
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$148 | $133 |
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$130 | $117 |
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$160 | $144 |
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$138 | $124 |
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$120 | $114 |
The table compares full coverage car insurance rates before and after applying anti-theft device discounts. USAA offers the lowest initial rate at $120 per month, while The Hartford has the highest at $160 mothly. After discounts, State Farm and USAA provide the most affordable rates at $117 and $114 per month, respectively.
To qualify, drivers must install an insurer-approved anti-theft device and submit proof of installation. Many newer vehicles come with factory-installed security systems that may already meet eligibility requirements.
Some companies also offer additional savings when anti-theft devices are paired with other safety features or policy discounts. The table below compares the best anti-theft device car insurance discounts, along with additional savings from low mileage, bundling, and usage-based car insurance (UBI) programs.
Insurance Company | Anti-Theft | Low Mileage | Bundling | Usage-Based |
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25% | 30% | 25% | 30% |
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10% | 20% | 25% | 30% |
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13% | 10% | 20% | 30% |
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25% | 30% | 25% | 25% |
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25% | 30% | 25% | 30% |
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25% | 30% | 10% | 30% |
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17% | 20% | 10% | 30% |
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20% | 20% | 20% | 40% |
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10% | 30% | 17% | 30% |
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20% | 20% | 13% | 30% |
In order to optimize your potential savings for full coverage insurance, consider reaching out to your provider to check on eligibility and all available discount opportunities.
Read More: Best Car Insurance Companies That Use Tracking Devices
Unlocking The Best Anti-Theft Device Car Insurance Discounts
Does an anti-theft device lower insurance? Yes, and many insurance providers offer discounts for installing security features that reduce the risk of vehicle theft. Geico, Allstate, and Progressive have the best anti-theft car insurance discounts at 25%.
Choosing the best anti-theft device for cars can lower your premiums while protecting your vehicle. Understanding how anti-theft devices work and selecting the right security system can help you qualify for significant savings.
No matter what kind of car insurance you really need, knowing what anti-theft coverage is can help ensure your policy covers auto theft in case of a claim. Compare providers and consider enrolling in a UBI program or bundling policies to maximize your discounts.
When you’re ready to see how much you can save on your car insurance, enter your ZIP code into our free comparison tool.
Frequently Asked Questions
How much can I save with the best anti-theft device car insurance discounts?
Savings vary by insurer, but discounts typically range from 5% to 25% on comprehensive coverage. High-end security systems like LoJack or OnStar may qualify for the highest discounts.
Do all insurance companies offer anti-theft device discounts?
Most major insurers offer discounts for anti-theft devices, but eligibility and savings depend on the device type and insurer policies. Some providers require proof of installation for discounts.
Explore your car insurance options by entering your ZIP code and finding which companies have the lowest rates.
Which types of cars benefit the most from anti-theft device discounts?
Vehicles on the most stolen cars in America list, including popular models like the Honda Accord, Toyota Camry, and Ford F-150, benefit the most from anti-theft device discounts. These high-theft-risk vehicles often see lower insurance premiums when equipped with tracking systems, steering wheel locks, or immobilizers.
Are anti-theft device discounts available for both new and used cars?
Yes, both new and used cars can qualify for the best anti-theft device car insurance discounts. However, newer models with factory-installed security features may already have built-in savings.
What are the different types of anti-theft devices for cars?
Anti-theft devices include passive disabling devices (automatic engine shutoffs), active disabling devices (manual locks and alarms), GPS tracking systems, and vehicle marking technologies like VIN etching.
Does car insurance cover auto theft if I don’t have an anti-theft device?
Yes, comprehensive car insurance covers theft, but installing anti-theft devices can reduce your premium. Without coverage, theft-related losses won't be reimbursed.
What is a passive disabling device, and how does it affect car insurance?
A passive disabling device automatically disables a vehicle's ignition or fuel system when the key is removed, preventing theft. Many insurers offer the highest discounts for passive systems.
Do insurers require professional installation for anti-theft devices discounts?
Some insurers mandate professional installation for discounts, especially for advanced systems like immobilizers and GPS trackers. Basic devices like steering wheel locks may not require installation proof.
Does a security system lower car insurance rates?
Yes, a security system can reduce comprehensive insurance costs. The discount varies depending on the system’s effectiveness in preventing theft and the insurer’s policy. Comparing quotes is the easiest way to find affordable car insurance. Simply enter your ZIP code into our free comparison tool to see rates in your area.
What are the best anti-theft devices to lower car insurance rates?
The best anti-theft devices to lower car insurance rates include GPS tracking systems, immobilizers, car alarms, and VIN etching. Car insurance companies that use tracking devices may offer the biggest discounts for passive disabling systems that prevent unauthorized ignition, as these significantly reduce theft risk.
Can installing an anti-theft device help if I live in a high-crime area?
Yes, adding security features can lower the risk of theft and may qualify you for larger discounts, especially in high-theft areas where insurers charge higher premiums.