LoJack Discount: Can using LoJack lower car insurance rates?

LoJack lowers car insurance rates by 8.5% on average. Additional safety upgrade LoJack insurance discounts can reduce your car insurance rates by another 8%. Learn which companies offer LoJack discounts and find cheaper rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 2, 2022

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Here's what you need to know...

  • Installing LoJack on your car will reduce only a portion of your policy premium
  • In some cases, the cost of installing LoJack is more than the potential savings on car insurance
  • There are other ways to save money on car insurance than installing an entire LoJack system

LoJack will lower your car insurance rates but typically by only about 7 to 10 percent yearly. In addition, LoJack has been proven to be an important anti-theft device in tracking stolen cars. However, the effects on your insurance rates are limited.

LoJack only comes into play after the car has been stolen and cannot stop the vehicle theft from happening. However, they can increase the recovery rate of finding your car.

Having this anti-theft system will not reduce costs associated with the collision, medical, or liability portions of your policy.

Insurance Companies Offering Anti-Theft Discounts

The following car insurance companies are confirmed to offer an anti-theft discount (you will need to contact them directly to see if they offer the LoJack insurance discount, but many companies offer the LoJack discount):

  • 21st Century
  • AAA
  • Allstate
  • American Family
  • Ameriprise
  • Amica
  • Country Financial
  • Esurance
  • Farmers
  • Geico
  • Liberty Mutual
  • MetLife
  • Nationwide
  • Progressive
  • Safe Auto
  • Safeco
  • State Farm
  • The General
  • The Hanover
  • The Hartford
  • Travelers
  • USAA

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How can I save money on car insurance rates?

There are many different ways to save big with auto insurance discounts. LoJack is just one type of vehicle recovery insurance discount, but there are many other types of anti-theft insurance discounts and other discounts as well.

Most auto insurance companies offer various discounts on vehicles for many drivers including:

  • Having more than one car on your policy
  • Completing a defensive driving course
  • Being accident- and violation-free for a long period of time
  • Having an active alarm system

While it might seem like a cost-saving measure to lower the insurance coverage amounts on your policy, you should be careful that you don’t underinsure yourself.

Another way that you can save on auto insurance is if you simply don’t drive a lot. Most insurance companies offer discounts for pleasure driving, which means driving less than 10,000 miles per year.

There is also the opportunity to qualify for a group or company rate, depending on who you work for.

Paying bills on time is also important as your credit score can play a major role in your car insurance rates.

How can the type of car I buy save me money?

Safer cars represent less of a risk than used cars and therefore cost less money to insure.

In addition, cars that have certain safety features built-in can also save money.

An Anti-theft alarm, airbags, traction control, and other safety connected car features will help your overall costs.

Speak to your insurance agent to find out what kinds of discounts you can get to determine whether or not you should install a tracking system like LoJack.

How can I get good car insurance rates?

Everyone wants in on cheap auto insurance rates. The best way to get an affordable auto policy is by shopping around for insurance policies and getting quotes from different companies. Be sure that the type of coverage you have is exactly what you need, and make certain that an auto insurance company is not lowering its coverages just to provide a lower rate.

With good driving discounts and no violations on your record, you can save a lot of money on car insurance.

Another way to save money is to raise your deductible. The higher your deductible, the lower your monthly payment will be.

While it is possible to save money by eliminating certain features like towing coverage and car rental coverage, it is more important to make sure that you are covered in the case of an accident.

The extra cost of adding towing to your coverage will most likely be less than having to use a tow truck just once a year.

While LoJack might save you some money on your car insurance premiums, there are many other ways to save that won’t cost anything to install.


  1. https://www.lojack.com/
  2. https://www.edmunds.com/car-technology/evaluating-stolen-vehicle-recovery-systems.html
  3. https://www.moneycrashers.com/factors-affect-car-insurance-rates/
  4. https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs

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