Best LoJack Car Insurance Discounts in 2025 [Save 25% With These Companies]
State Farm, Geico, and Progressive are companies with the best LoJack car insurance discounts, save up to 25% on premiums with LoJack installation. These providers deliver the greatest savings for LoJack-equipped vehicles, ensuring affordability and a strong commitment to vehicle security.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Nov 27, 2024
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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 27, 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 LoJack car insurance discounts are offered by State Farm, Geico, and Progressive, with savings reaching up to 25%.
These providers provide the most affordable rates for LoJack-equipped vehicles, with Geico and State Farm at the top of the list for drivers who want budget-friendly pricing plus security for their wheels. They also provide safety features car insurance discounts for vehicles with advanced safety technologies, further lowering premiums.
Our Top 10 Company Picks: Best LoJack Car Insurance Discounts
| Company | Rank | Savings Potential | A.M. Best | Who Qualifies? |
|---|---|---|---|---|
 | #1 | 25% | B | Drivers with a LoJack system installed |
 | #2 | 20% | A++ | Drivers with LoJack and comprehensive coverage |
 | #3 | 15% | A+ | Policyholders with an active LoJack system |
 | #4 | 15% | A+ | Drivers with LoJack and theft prevention coverage |
 | #5 | 15% | A | Drivers with a LoJack system registered |
 | #6 | 12% | A | Vehicle owners with LoJack installed |
 | #7 | 10% | A+ | Customers using LoJack with an anti-theft policy |
 | #8 | 10% | A++ | Policyholders with LoJack and qualifying coverage |
 | #9 | 10% | A++ | Military families with a LoJack system installed |
 | #10 | 5% | A | Drivers with a LoJack system |
Whether you’re looking for comprehensive coverage or lower premiums, these companies provide excellent options. Be sure to compare quotes to find the best deal for your situation.
Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code.
- Save up to 25% on premiums with LoJack installation for vehicle security
- State Farm, Geico, and Progressive offer the best LoJack car insurance discounts
- LoJack systems reduce insurance costs by up to 25% depending on the provider
Understanding LoJack: What It Is and How It Works
LoJack stolen vehicle recovery system installs a battery-operated unit in your vehicle that enables law enforcement agencies to quickly locate and recover your car after it has been stolen. A certified technician hides it in your vehicle, which is then registered in the LoJack database. Common ways cars are stolen include keyless entry hacking, carjacking, and break-ins, making LoJack an important security measure.
When you find that your car has been stolen and report it to the police, the computers at law enforcement send a silent radio signal to your vehicle. Wherever it is that your vehicle gets stolen, as long as it happens in an area where LoJack has coverage, that unit will be turned on and then the police will be able to find its location and get the vehicle back to you.
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Installing LoJack Lowers Car Insurance Rates
The good news is your car will probably qualify for a 5% to 25% discount on comprehensive car insurance rates because it has a LoJack. So, when you compare comprehensive car insurance options, the savings can vary depending on where you live and even the insurer.
A 5% savings isn’t exactly the hefty chunk of change you were hoping for on your car insurance, but if you’re planning on getting the unit anyway and the cost of LoJack isn’t going to break you, make sure to check and see if your insurance company gives anyone who has LoJack a discount.
LoJack Monthly Min. Coverage Insurance Rates After Discount
| Insurance Company | Rank | Monthly Rates |
|---|---|---|
| #1 | $70 |
| #2 | $72 |
| #3 | $75 |
| #4 | $78 |
| #5 | $80 |
| #6 | $82 |
| #7 | $84 |
| #8 | $85 |
| #9 | $87 |
| #10 | $89 |
Minimum coverage insurance with a LoJack system discount (average monthly cost). Based on this scenario, Liberty Mutual has the cheapest rate at $70 per month while State Farm is a close second at about $72. Allstate, Geico, and other insurers see a small uptick to the monthly rate, with USAA deliberate topping $89/month.
Such discounts are a way of reducing premiums for cars with LoJack, giving drivers with this added aspect of vehicle protection the benefit. It is a good idea to get quotes from various businesses in order to find the best rates for your needs.
Maximize Your Car Insurance Savings With LoJack: Tips and Discounts
A LoJack vehicle recovery system can save you big bucks on your car insurance premiums. LoJack is a precaution worth making not only for improved security, but also the financial savings, as many insurers provide discounts of 5% to 25% on your insurance policy for vehicles equipped with LoJack. That means you can save money with help from LoJack:
- Install LoJack: Adding the LoJack system to your car enhances security, potentially lowering your insurance rates.
- Contact Your Insurer: If this sort of tracking device comes installed in a car you are looking at, ask the insurance company if they provide any reduction with LoJack.
- Shop for the Best Deals: Companies such as State Farm and Geico offer competitive discounts for vehicles equipped with a LoJack; however, each company assesses its own discounts so you will want to compare quotes.
- Combine With Other Discounts: Look for additional discounts, such as those for anti-theft devices or higher deductibles, to further reduce your car insurance premium.
If your car insurance costs too much, you can save some money by installing LoJack and using discounts while knowing that your vehicle is protected.
Always check, call your insurance and stack discounts to get a maximum value on auto coverage.
LoJack Car Insurance Rates by Provider and Driving Record: Find the Best Deal
Based on this chart, data used to create values was organized by monthly LoJack car insurance rates based on a clean record, one accident, one DUI, and one ticket for each respective provider. Understanding car accidents impact insurance rates differently depending on the insurer and the driver; clean records typically lead to the lowest premiums.
For instance, for drivers with a clean history, Allstate’s annual rate is $1,920 (or $160/month) while the more competitively priced Geico charges only $1,380 (or $115/month). Drivers with accidents, DUIs, or tickets face higher rates. These rates are specific to each provider, so compare them based on your history.
Installing LoJack can significantly lower your car insurance premiums by reducing the risk of theft, making it a smart investment for both security and savings.
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By comparing LoJack insurance rates across different providers, you can find the best deal based on your driving history and ensure you’re getting the most affordable coverage.
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Case Studies: Impact of LoJack on Car Insurance Rates
While these systems may help keep your car secure, they may even reduce the amount you pay for car insurance if it ever is stolen with a LoJack system installed inside. The three case studies below demonstrate differences in car insurance rates with and without LoJack for drivers who possess great, average, and poor driving records.
- Case Study #1 – Julia’s Savings With a Clean Record: Julian, a Metroville citizen with an entirely clean driving record, had gotten a LoJack system and had called Progressive on the savings, which gave her a 12% discount, bringing her monthly premium down from $120 to $105.
- Case Study #2 – Carlos’ Discount After a Minor Accident: Carlos, a resident of Suburbia, had a minor accident last year but kept a clean record since. After installing a LoJack system, State Farm gave him a 10% discount, lowering his premium from $160 to $144.
- Case Study #3 – Anna’s Lower Rates After a DUI: There was Anna, from Ruralville, who had a DUI. With a new LoJack system, her insurer — Allstate — gave her a 5% discount, bringing down her premium from $174 to $165. Though not by much, the savings was welcomed in less they had to pay each month.
These case studies show how installing a LoJack system can lower your insurance premium, even for drivers with less-than-perfect records. Exploring different ways to lower car insurance rates, such as using anti-theft devices like LoJack, can help policyholders save significantly on their premiums while enhancing vehicle security.
By using any discounts granted to you, your monthly rates can be lowered, and you will have better coverage on your car.
Increase Your Savings: Top Car Insurance Discounts for LoJack
LoJack systems can save you up to 5% to 25% on your auto insurance. The best rates for cars equipped with LoJack are offered by providers like State Farm, Geico and Progressive. To maximize savings, compare car insurance rates by vehicle make and model, as discounts can vary based on your car’s security features.
In this article, we’ll look at how the LoJack system works to recover stolen cars, any possible savings on your insurance and tips for capitalizing on your discount. Finally, it illustrates how the price of coverage can change depending on driving history, and encourages readers to shop around for better pricing.
Our free online comparison tool allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
Frequently Asked Questions
What is the LoJack insurance discount and how can it benefit me?
The LoJack insurance discount is a reduction in your car insurance premiums for having the LoJack vehicle recovery system installed. This discount can save you between 5% and 25% depending on your insurer and location, helping to lower your overall coverage costs.
How much can LoJack save on insurance premiums?
LoJack can save you between 5% and 25% on your comprehensive car insurance premiums, depending on the insurance provider, your location, and the type of coverage you select.
Does LoJack lower car insurance premiums for all drivers?
Since a LoJack system lowers the risk of theft, it will reduce your car insurance premiums. Most insurers provide a discount for vehicles with LoJack, so it is a cost-effective measure for drivers who value security. This is just one of the many ways to lower the cost of your insurance, saving you thousands of dollars while strengthening the protection of your vehicle.
Does LoJack reduce car insurance rates for vehicles with a history of accidents?
While LoJack primarily helps lower premiums by reducing theft risk, it can still offer savings on car insurance for drivers with a less-than-perfect driving history. But the precise discount can also depend on the insurer and specific circumstances.
What is the USAA LoJack discount?
USAA offers a LoJack discount to members who install the LoJack vehicle recovery system. This discount helps lower premiums by reducing the risk of vehicle theft. Be sure to check with USAA to see if your vehicle qualifies for the discount.
What is the Progressive LoJack discount and how much can it save?
If your vehicle is outfitted with the LoJack system, you can save as much as 25% at Progressive. The precise savings vary by type of coverage, driving history, and your location, so it pays to compare monthly car insurance quotes for the best rate.
How much can you save with a State Farm LoJack discount?
State Farm provides a LoJack discount of up to 25% on your comprehensive car insurance premiums for vehicles equipped with the LoJack system. The exact discount may vary based on your location and coverage.
How much does a LoJack system cost to install?
The cost of a LoJack system typically ranges from $695 to $1,200, which includes the device, installation, and sometimes the first year of subscription. Additional costs may apply for ongoing subscription fees after the first year.
How much can you save with the Geico LoJack discount?
Geico offers a LoJack discount that can save you between 15% and 25% on your car insurance premiums, depending on your coverage and location. To maximize your savings, it’s recommended to get a quote and compare car insurance by coverage type to find the best option for your needs.
How much does LoJack cost monthly?
Depending on coverage and where you live, expect to pay between $30–$40 a month for a LoJack system. Finding cheap car insurance quotes is surprisingly simple. Simply enter your ZIP code in our free comparison tool to get quotes instantly near you.
What is the LoJack subscription cost?
The annual subscription for LoJack generally costs between $100 and $200, with some variations based on coverage levels and location.
Is LoJack worth the investment for vehicle security and savings?
LoJack can be worth the investment if you want added protection against vehicle theft, especially in states with the highest vehicle theft rates. The initial cost of installation may be offset by the insurance discounts it provides, along with the peace of mind knowing your car is equipped with a reliable recovery system.
What do LoJack reviews say about its effectiveness?
LoJack reviews are largely positive, with users praising the system’s reliability in recovering stolen vehicles. However, some reviews mention the upfront cost and subscription fees as potential drawbacks.
What is included in LoJack coverage?
LoJack coverage includes a vehicle recovery system that helps law enforcement track and recover your car if it is stolen. The service operates in areas with LoJack network coverage, ensuring quick vehicle recovery.
Is LoJack still in business?
Yes, LoJack is still in business and continues to provide vehicle recovery systems across the U.S. It remains a trusted option for those looking to protect their vehicles from theft and can help qualify you for the best anti-theft car insurance discounts. By installing LoJack, many insurers offer reduced premiums due to the added security it provides.
Does LoJack require a subscription?
Yes, LoJack does charge an annual subscription fee for the tracking and recovery service. The subscription fee covers continuous monitoring and a connection to the system so that if your automobile is taken, it can be tracked down.
What is the LoJack cancellation policy?
LoJack provides you the option to cancel your subscription anytime with applicable cancellation fees depending on your agreement. Do check your subscription terms and conditions for specific cancelation information.
Are there any LoJack discount codes available?
LoJack does offer discount codes and promotional deals, so if you want the best car insurance discounts, this one makes a lot of sense. You should visit their official website or authorized retailers to see current offers and see where you may be able to save on your LoJack installation or subscription.
Can LoJack be used for a family business?
Yes, LoJack can be installed in vehicles used for a family business. It provides added security and may also lead to lower insurance premiums, making it a worthwhile investment for business owners.
What is the LoJack renewal cost?
The annual LoJack subscription renewal typically costs between $100 and $200, depending on your coverage plan and location. Be sure to check with your provider for the most accurate renewal fees.
Cheap car insurance is just a click away. Just use our free quote tool by entering your ZIP code to begin identifying which policy is best for you.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
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.
