Best Anti-Theft Auto Insurance Discounts in 2025 (Save up to 25% With These Companies)
Geico, Progressive, and American Family have the best anti-theft auto insurance discounts. Each offers up to 25% off for factory-installed or approved anti-theft devices. Geico applies savings automatically by VIN verification, while Progressive and AmFam offer discounts on vehicles equipped with passive devices.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 26, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jun 26, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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The best anti-theft auto insurance discounts are with Geico, Progressive, and American Family. Each provides up to 25% off for qualifying security devices.
Our Top 10 Company Picks: Best Anti-Theft Auto Insurance Discounts| Company | Rank | A.M. Best | Anti-Theft | Who Qualifies? |
|---|---|---|---|---|
 | #1 | A++ | 25% | Drivers with passive disabling devices or active alarm systems |
 | #2 | A+ | 25% | Vehicles with factory-installed or professionally installed anti-theft systems |
 | #3 | A | 25% | Cars equipped with active or passive anti-theft devices |
 | #4 | A++ | 15% | Policyholders with qualifying anti-theft technology or alarms |
 | #5 | A++ | 15% | Vehicles with qualifying factory-installed anti-theft devices |
 | #6 | A+ | 15% | Cars equipped with standard anti-theft systems |
 | #7 | A+ | 10% | Drivers with installed anti-theft alarms or recovery systems |
 | #8 | A+ | 10% | Vehicles with built-in anti-theft features or aftermarket devices |
 | #9 | A | 10% | Cars with passive disabling systems or active anti-theft devices |
 | #10 | A+ | 5% | Vehicles with eligible anti-theft systems such as alarms or tracking systems |
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.
- Factory-installed devices qualify for the best anti-theft insurance discounts
- Save more with insurers that accept passive, active, or GPS tracking systems
- Geico offers 25% off for passive disabling or alarm systems
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.
Companies With The Best Anti-Theft Auto Insurance Discounts
If you want the best anti-theft car insurance discounts, Geico offers the most value overall, cutting your monthly premium from $132 to $118 with qualifying anti-theft devices — the steepest drops among all providers.
Auto Insurance Full Coverage Monthly Rates With Anti-Theft Discount
| Insurance Company | Before Discount | After Discount |
|---|---|---|
| $145 | $130 |
| $138 | $125 |
| $135 | $120 |
 | $142 | $124 |
| $132 | $118 |
| $140 | $122 |
| $148 | $133 |
 | $142 | $127 |
| $160 | $144 |
| $155 | $137 |
Erie and American Family follow closely behind, both reducing rates by around $15 a month with active or passive security systems.
Even larger carriers like State Farm and Nationwide offer meaningful savings, though their after-discount rates are slightly higher. If you’re already leaning toward a provider, this table helps you see what other discounts you can stack with anti-theft technology to get the most savings.
Auto Insurance Discounts by Provider & Savings Amount| Company | Accident-Free | Bundling | Claims-Free | Good Driver | Anti-Theft |
|---|---|---|---|---|---|
| 25% | 25% | 10% | 25% | 10% |
| 25% | 25% | 15% | 25% | 25% |
| 25% | 25% | 10% | 23% | 15% |
| 20% | 20% | 9% | 30% | 10% |
| 22% | 25% | 12% | 26% | 25% |
| 20% | 20% | 14% | 40% | 5% |
| 10% | 10% | 10% | 30% | 25% |
| 17% | 17% | 11% | 25% | 15% |
| 5% | 5% | 12% | 15% | 10% |
| 13% | 13% | 13% | 10% | 15% |
AmFam and Progressive have the best auto insurance for good drivers, with discounts up to 30% for safe driving and an additional 10%-15% for remaining accident and claims-free.
Enter your zip code below to view companies that have cheap insurance rates.
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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:
- Install Approved Devices: Most insurers require factory-installed or professionally installed systems like alarms, passive disabling, or GPS trackers.
- Get VIN Verification: Providers like Geico apply discounts automatically when your VIN confirms eligible anti-theft equipment.
- Submit Proof as Needed: If your system isn’t built-in, expect to show documentation such as receipts, photos, or installation certification.
- Use Trackable Tech: Advanced systems like remote immobilizers or subscription-based tracking (e.g., OnStar, LoJack) often qualify for bigger savings.
- Confirm Device Eligibility: Not every lock or alarm qualifies. Check with your insurer to make sure your system meets their requirements.
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.
Types of Anti-Theft Devices That Get You a Discount
If you’re shopping for car insurance discounts you can’t miss, it helps to know what insurers actually reward. Devices that qualify typically fall into three categories: active, passive, and tracking systems.
- Active Anti-Theft Devices: Kill switches or steering wheel locks must be engaged each time you park, but they’re highly effective and often result in lower premiums.
- Passive Anti-Theft Systems: Transponder keys or factory-installed engine immobilizers activate automatically and are standard in many new cars.
- Tracking Systems: GPS tracking systems, like LoJack or OnStar, can locate and sometimes even disable your car if it is stolen.
These features can influence your car insurance quotes, often leading to lower premiums, and GPS-based tools often qualify you for the biggest discounts, especially with companies.
Some providers may also accept VIN etching or window security film, though those tend to yield smaller savings. The key is to install devices that either deter theft outright or increase the likelihood of recovery, as those are what insurance companies like to see.
Insurance Rate Comparison With Anti-Theft Discounts
If you’re looking for the best anti-theft auto insurance discounts, this breakdown of monthly rates by coverage level gives a good sense of where real value lies. Geico comes out ahead by offering competitive rates of just $43 for minimum and $114 for full coverage. Pair this with a 25% anti-theft discount for cars with passive disabling or alarm systems for bigger savings.
Auto Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $87 | $228 |
| $62 | $166 |
| $32 | $83 |
| $76 | $198 |
| $43 | $114 |
| $63 | $164 |
| $56 | $150 |
| $47 | $123 |
| $61 | $161 |
| $53 | $141 |
Erie Insurance is another solid option if you want the lowest base rate for minimum coverage at $32 and decent savings with basic anti-theft features. Find out if it’s available near you in our Erie auto insurance review.
If your car has an approved anti-theft device, ask your insurer directly which documentation is needed to apply the discount. It’s often overlooked but easy to qualify for.
Jeff Root Licensed Insurance Agent
If you’re trying to stretch your savings with safety technology, the best way to maximize your anti-theft device car insurance discount is by choosing Geico, Erie, or Progressive. These companies pair low base premiums with generous savings for qualifying security features.
Anti-Theft Insurance Rate Comparison by Driving Record
Anti-theft auto insurance discounts can considerably lower rates, especially when factoring in your driving history. Geico, American Family, and Progressive offer the most value across the board. Geico provides a 25% anti-theft discount and maintains low rates whether you have a clean record, a ticket, or a DUI.
American Family also offers a full 25% discount and consistently ranks among the most affordable options, with rates of just $62 a month for a clean record and $73 monthly with one ticket. Progressive matches the top 25% discount and stays competitive for higher-risk drivers, offering $56 monthly rates with a clean record, $98 per month with an accident, and $75 monthly with a DUI.
If you’re trying to lock in the most savings through anti-theft features without getting penalized too hard for your record, Progressive, AmFam, and Geico have cheap auto insurance for high-risk drivers who install anti-theft devices.
Anti-Theft Insurance Rate Comparison by Age & Gender
Erie, Geico, and American Family have the best rates for young drivers who qualify for anti-theft discounts on auto insurance. Erie costs just $311 per month for 18-year-old females and $82 a month for 65-year-olds of either gender, alongside a 15% anti-theft discount.
Auto Insurance Monthly Rates by Provider, Age & Gender
| 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 |
Geico provides strong 25% savings and remains cost-effective, especially for drivers under 30. American Family also delivers value across age brackets, offering 25% anti-theft savings. Compare more quotes in our AmFam insurance review.
How to Save Money on Auto Insurance With Anti-Theft Discounts
Securing the best anti-theft auto insurance discounts is one of the easiest ways to save money on car insurance by aligning your vehicle’s security features with what insurers reward. Whether your car has a built-in immobilizer or you’ve installed a tracking system yourself, the goal is to reduce theft risk while reducing your rates.
Installing a factory-equipped or insurer-approved anti-theft device is one of the easiest ways to qualify for a 25% discount without changing your coverage.
Melanie Musson Published Insurance Expert
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.
Frequently Asked Questions
What is an anti-theft device in auto insurance?
An anti-theft device in car insurance is any system, like a GPS tracker, kill switch, or engine immobilizer, that reduces the risk of your car being stolen. Insurers offer discounts up to 25% for vehicles equipped with approved devices, especially if they’re factory-installed or verified by the provider.
Is anti-theft worth it for insurance?
Yes, anti-theft systems are worth it if your insurer rewards them. Geico, Liberty Mutual, and Progressive offer discounts up to 25%, which can translate to over $300 in annual savings depending on your coverage level and vehicle.
How much does an anti-theft device save on insurance?
Discounts typically range from 3% to 25%, depending on your insurer and the type of anti-theft device installed. For example, Geico offers up to 23% off for verified systems, helping drivers access some of the cheapest car insurance available. Erie also reduces full coverage rates by about $15 per month for qualifying devices.
How much does a car anti-theft system cost?
Costs vary widely. Steering wheel locks start at $30, passive immobilizers may be built into new cars at no extra cost, and advanced tracking systems like LoJack can run $700+ with installation. Higher-cost devices typically qualify for better discounts.
What car has the highest theft rate, and why does it matter for insurance?
The Dodge Charger SRT Hellcat has one of the highest theft rates, which raises base premiums. Installing a tracker or immobilizer can significantly reduce insurance costs for high-risk models through anti-theft discounts.
Do anti-theft devices for cars actually work?
Yes, and insurers track the data. Cars with active or passive anti-theft systems are less likely to be stolen, which is why providers like Geico and Progressive auto insurance offer tiered premium reductions for qualifying security features.
How can I stop thieves from stealing my car and save on insurance?
Combining a passive immobilizer, an active device like a steering lock, and a GPS tracker gives you layered protection, and with insurers like Geico, that setup can qualify you for their full 25% anti-theft discount.
Can thieves steal keyless cars, and how does that impact your rate?
Yes, relay attacks can bypass keyless entry. Because of this, insurers encourage added protections like kill switches or steering locks, which not only deter theft but also help you qualify for premium discounts.
Which anti-theft device is best for getting an insurance discount?
The best car insurance companies typically offer the largest discounts — some up to 25% off — for professionally installed GPS tracking systems and passive immobilizers, especially when these systems are factory-installed and supported by proper documentation. Choosing a top-rated provider ensures you’re more likely to qualify for the full discount.
What is the most secure car against theft, and how does it affect insurance?
Vehicles like the Tesla Model S, which come with GPS tracking and built-in immobilizers, are among the most secure. Insurers reward these cars with lower premiums due to their theft-resistant features. Find the best auto insurance rates by entering your ZIP code into our comparison tool today.
Does a car alarm count as an anti-theft device for insurance?
Yes, but it usually yields smaller discounts. Most insurers classify alarms as active devices and offer a 3–7% discount, which is less than what you’d get with a GPS tracker or passive system.
How much is theft protection on car insurance?
Theft protection is included in comprehensive auto insurance, which typically costs around $10–$20 per month. Installing approved anti-theft devices can reduce that cost significantly, with some insurers offering up to 25% off your comprehensive premium based on the system you use.
How do I know if my car has a security device that qualifies for a discount?
Check your owner’s manual or window sticker for features like “immobilizer,” “alarm system,” or “tracking device.” For insurance discounts, call your provider to confirm which systems are eligible.
What is an anti-theft device for insurance discount purposes?
For discount eligibility, insurers typically recognize three types: passive disabling (like immobilizers), active systems (like alarms), and tracking devices (like LoJack). Discounts vary based on the type and verification method.
What is the best anti-theft device for car insurance discounts?
One of the best hacks to save more money on car insurance is using a professionally installed GPS tracker like LoJack or OnStar. These anti-theft systems typically qualify for the largest discounts from companies like Geico and American Family. If you’re looking for real savings, this upgrade is worth it.
Enter your zip code below to view companies that have cheap insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
