Best Anti-Theft Car Insurance Discounts in 2025 (Save up to 25% With These Companies)

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

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.

Find the best comprehensive car insurance quotes by entering your ZIP code into our free comparison tool today.

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

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.

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.

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.

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.

Exploring Different Types of Car Alarm Systems: Passive, Active, and Silent Options

Protecting your vehicle involves understanding car alarm systems that defend against theft and vandalism. Knowing if your car insurance covers vandalism is essential for your overall protection strategy. This allows you to check out various options with the best vehicle safety.

• 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 minimize 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.

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.

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.