Best Anti-Theft Auto Insurance Discounts in 2025

The best anti-theft auto insurance discounts come from Geico, Progressive, and American Family. All three companies offer up to 25% off for qualifying security devices.

Company	Rank	A.M. Best	Anti-Theft	Recognized Devices
	#1	A++	25%	Factory or aftermarket alarms
	#2	A+	25%	Factory or aftermarket alarms
	#3	A	25%	Active or passive disabling devices
	#4	A++	15%	Tracking devices like LoJack
	#5	A++	15%	Factory-installed alarms
	#6	A+	15%	Factory-installed alarms
	#7	A+	10%	Alarm or vehicle recovery system
	#8	A+	10%	Built-in or aftermarket alarm or tracker
	#9	A	10%	Active or passive disabling system
	#10	A+	5%	Alarm or tracking system

Geico is the top pick for its easy qualification process for passive or active factory-installed devices and broad availability across states. Scroll down to find out everything you need to know about Geico.

Progressive rewards drivers with advanced systems, including professional installations, while AmFam offers generous savings for both active and passive setups. If your car has built-in protection, these three companies can help you turn it into real savings.

If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool to compare rates from top insurers.

How to Qualify for Anti-Theft Auto Insurance Discounts

Anti-theft devices are an easy way to save money on car insurance, but you’ll get the most savings by meeting specific conditions insurers look for. Whether your car came equipped with built-in protection or you added aftermarket security, these steps can help you qualify for the full discount available:

1. Install a Verified Anti-Theft Device: Choose a factory-installed immobilizer, alarm, or GPS tracker. If your car didn’t come with one, a professional installation can help you qualify.
2. Check With Your Insurer: Not every device will earn you a discount. Call your insurance company to confirm your system meets their requirements before you install it.
3. Keep Proof of Installation: If you added the device later, save your receipt, installation certificate, or a clear photo. Some insurers verify built-in devices by checking your VIN.
4. Ask Your Provider to Apply the Discount: Some insurers apply it automatically, but others need you to ask. Call your agent or update your policy online once your device is installed.
5. Review Your Policy: Once your insurer processes the request, check your billing statement or quote to make sure the discount shows up. If it doesn’t, follow up.

Pairing these steps with a top insurer like Geico, Progressive, or American Family Insurance can help you unlock up to 25% in anti-theft savings.

Just make sure your device is eligible, your paperwork is ready, and your insurer supports the type of system you’re using. Before committing, get multiple auto insurance quotes to see which provider offers the best discount for your setup. With the right combination, those premium reductions can add up quickly.

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Companies With The Best Anti-Theft Auto Insurance Discounts

If you’re trying to save on car insurance with an anti-theft discount, start by making sure your device qualifies for an anti-theft device car insurance discount and that your paperwork is in order. This means confirming your security system meets your insurer’s requirements and providing proof of installation when needed.

Insurance Company	Before Discount	After Discount
	$98	$88
	$100	$75
	$93	$79
	$97	$87
	$102	$77
	$96	$91
	$99	$74
	$95	$81
	$94	$85
	$92	$78

Geico offers some of the biggest savings, dropping rates from $102 to $77 a month when you have the right security system. American Family and Erie follow close behind, cutting rates to around $75 and $79. Larger insurers like State Farm and Nationwide also lower your costs, though their after-discount rates sit a little higher at $81 and $91.

Company	Anti-Theft	Bundling	Claims-Free	Good Driver	Low Mileage
	10%	25%	10%	25%	30%
	25%	25%	15%	25%	20%
	15%	25%	10%	23%	30%
	10%	20%	9%	30%	10%
	25%	25%	12%	26%	30%
	5%	20%	14%	40%	20%
	25%	10%	10%	30%	30%
	15%	17%	11%	25%	30%
	10%	5%	12%	15%	10%
	15%	13%	13%	10%	20%

If you’re a safe driver, you could save even more. Companies like American Family and Progressive offer some of the best auto insurance for good drivers, with up to 30% off for safe driving and extra discounts for avoiding accidents and claims.

No matter which company you’re considering, it’s smart to check for other savings you can combine with your anti-theft discount to lower your rate even further.

Types of Anti-Theft Devices That Get You a Discount

If you’re serious about saving on your policy, focus on the car insurance discounts you can’t miss—and anti-theft savings are one of them. But not every device qualifies. Insurers reward features that either stop a theft from happening or help recover your car quickly. Here are five of the most common options they’ll accept:

• VIN Etching: Marking your vehicle’s VIN on the windows makes your car harder to resell, and some insurers give you a discount for it.
• GPS Tracking Systems: Tools like LoJack and OnStar help recover your car if it’s stolen, often earning you bigger savings.
• Engine Immobilizers: Built into many modern vehicles, these prevent your engine from starting without the right key or code.
• Disabling Devices: Car alarms, kill switches, and steering wheel locks make it harder for thieves to drive off with your car.
• Remote or Passive Disabling Systems: These activate automatically when you turn off your car or allow you to disable the engine remotely if it is stolen.

If you want to cut your insurance bill, these devices are a great place to start. The more secure your car is—and the easier it is for your insurer to confirm that protection—the better your chances of getting a meaningful discount.

Always check with your insurance company to make sure your specific device qualifies. With the right anti-theft setup, you’re not just protecting your car; you’re also taking a simple, smart step toward lowering your monthly payments.

Anti-Theft Insurance Rate Comparison by Driving Record

The best anti-theft auto insurance discounts can lower your monthly rates, even if you have a less-than-perfect driving record. Geico, American Family, and Progressive lead the way by offering strong 25% anti-theft discounts along with affordable rates.

After applying the discount, Geico’s rates average around $72 a month for a clean record, $88 with a ticket, and $91 after a DUI. American Family offers similar savings, with rates of about $62 a month for clean drivers and $73 with a ticket.

Progressive stays competitive too, dropping rates to $56 a month with a clean record, $98 with an accident, and $75 after a DUI. If you’re searching for cheap auto insurance for high-risk drivers, these three companies deliver some of the best savings when you combine anti-theft discounts with other available offers.

Anti-Theft Insurance Rate Comparison by Age & Gender

If you’re searching for the best anti-theft auto insurance discounts, some companies stand out for giving younger and older drivers the lowest rates after savings are applied. Erie, Geico, and American Family lead the pack for young drivers. With the anti-theft discount included, Erie’s rates drop to $311 per month for 18-year-old females and $332 for males, while rates for seniors fall as low as $82 per month.

Company	Female: Age 18	Male: Age 18	Female: Age 30	Male: Age 30	Female: Age 45	Male: Age 45	Female: Age 65	Male: Age 65
	$740	$640	$240	$252	$231	$228	$226	$223
	$435	$591	$165	$195	$164	$166	$161	$163
	$311	$332	$90	$94	$84	$83	$82	$82
	$1,156	$1,103	$228	$239	$199	$198	$194	$194
	$425	$445	$128	$124	$114	$114	$112	$112
	$586	$679	$177	$194	$161	$164	$158	$160
	$156	$147	$187	$194	$159	$150	$156	$147
	$444	$498	$133	$147	$123	$123	$120	$120
	$787	$824	$180	$190	$164	$161	$159	$156
	$1,026	$1,298	$142	$154	$139	$141	$136	$138

American Family Insurance also offers strong savings across age groups, lowering rates to $435 for 18-year-old females and $163 for 65-year-old males. Geico’s 25% anti-theft discount keeps it competitive too—young drivers under 30 pay between $425 and $445 a month, while rates for 65-year-olds drop to around $112.

Even for middle-aged drivers, savings hold up: rates range from $114 to $128 per month. If you’re looking to stretch your budget, these companies deliver some of the best anti-theft auto insurance discounts available, helping drivers of all ages lower their monthly payments with qualifying security features.

Types of Anti-Theft Devices

When it comes to protecting your car and lowering your insurance bill, anti-theft devices actually help. Some are built into newer cars, while others you can add yourself. Here’s how the most common ones work and why they matter to your insurer:

• Engine Immobilizers: Built into most modern cars, these stop the engine from starting without the right key or chip, making hotwiring nearly impossible.
• Car Alarms: Alarms use motion and door sensors to detect break-in attempts. If someone tries to force their way in, the alarm triggers a loud siren to scare off the thief and alert anyone nearby.
• GPS Tracking Systems: Tools like LoJack or OnStar help locate your car quickly if it’s stolen. Some systems allow you to track your vehicle in real-time, while others can disable the engine remotely.
• Steering Wheel Locks and Kill Switches: These manual devices block the steering wheel or shut off the car’s power, making it harder for thieves to steal your car.
• VIN Etching and Window Security Film: VIN etching makes your car harder to resell, while security film strengthens windows to prevent easy break-ins.

If you’re piecing together your own guide to auto insurance, anti-theft devices and other safety features in your vehicle belong near the top of your checklist.

They protect your car, reduce your theft risk, and help you qualify for some of the easiest discounts available. Always confirm with your insurer to make sure your device qualifies for savings.

How to Get an Anti-Theft Discount

One of the easiest ways to save money on car insurance is by adding anti-theft features to your vehicle. By protecting your car with the right security features and letting your insurer know, you can cut your rates and lower your theft risk at the same time.

These discounts aren’t automatic for everyone, so understanding how to confirm eligibility with your insurer is key. The more proactive you are about protecting your vehicle through verified devices, proper documentation, and policy coverage, the more likely you are to benefit from anti-theft discounts on car insurance.

With the right setup, you’re not only improving your car’s security but also putting yourself in a stronger position to lower your premium over the long term. Enter your ZIP code into our free quote tool to find the best auto insurance companies with anti-theft discounts near you.