Anti-Theft Car Insurance Discount

An anti-theft car insurance discount can encourage you to protect your car and save you money on your comprehensive car insurance coverage. There are many different types of anti-theft devices and each insurance company will offer different anti-theft discount rates. Always comparison shop online first to find the auto insurance company with the right discounts for you.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Anti-theft devices can not only help save your car from being stolen but can also help you save money with anti-theft car insurance discounts
  • Liability and collision coverages will not cover you in the event of theft; you need comprehensive coverage to get covered for theft
  • Less than half of the cars that are stolen in the United States are ever returned to their owners

If your car gets stolen, this could be a big expense for your car insurance company. This is why they offer anti-theft car insurance discounts to encourage people to equip their car with an active disabling device or a passive disabling device.

If you have comprehensive car insurance coverage, your insurer will generally pay you the actual cash value of your car. This is great coverage to have, but it can get expensive.

Anti-theft auto insurance discounts on your comprehensive policy can help you save up to 25 percent on your coverage.

Available discounts and rates will vary by insurance company. If you want to buy car insurance with an anti-theft discount, enter your ZIP code above to compare auto insurance rates from the top companies in your area.

What are anti-theft car insurance discounts?

Anti-theft car insurance discounts are given to people who use an anti-theft device to protect their vehicle from being stolen.

Many cars come equipped with some form of anti-theft protection, but you will need to speak with your insurer to get the details on which type of anti-theft measures they discount for.

There are two main types of anti-theft devices. There are passive devices and active devices.

Passive anti-theft devices require no direct action on the user’s part to set. In most cases, when the car is turned off and exited, these security measures automatically engage.

Active anti-theft measures, on the other hand, need to be actively set every time you leave your car. Think about wheel locks that need to be actively set by the user to be effective. This is an example of an active anti-theft device.

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Who offers anti-theft car insurance discounts?

Most major car insurance companies offer an anti-theft discount. The discount you will receive will vary based on the company you choose, the number of security devices you have, and where you live.

Anti-Theft Car Insurance Discounts
Car Insurance CompanyTypical Discount
AllstateVaries
American FamilyVaries
Esurance5% to 25%
FarmersVaries
GEICOUp to 25% off
Liberty MutualVaries
NationwideVaries
SafecoVaries
State FarmVaries
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Most of the time, anti-theft discounts will only be applied to your comprehensive coverage and not your liability car insurance coverage.

If you’re interested in learning about all of the ways you can potentially save on car insurance, the Insurance Information Institute has a helpful resource.

Anti-Theft Car Insurance Discounts: The Bottom Line

Nobody wants their car to be stolen. Anti-theft devices can help you protect your vehicle and potentially save a lot of money on your auto insurance coverage. This is a true win-win.

Your potential anti-theft discount will likely depend on what security measures you have in place and the company you choose to work with. Many companies offer anti-theft discounts, and some even discount your comprehensive coverage by up to 25 percent.

If you’re interested in buying car insurance coverage, enter your ZIP code below to compare car insurance quotes from the top companies in your local area.

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