Best Anti-Theft Auto Insurance Discounts in 2024 (Save up to 25% With These 10 Companies)

The best anti-theft auto insurance discounts come from Geico, Progressive, and Allstate, with rates that can save you up to 25% on premiums.

Does auto insurance cover vehicle theft? Installing an approved anti-theft device, alarm, or tracking service can greatly decrease your risk profile, which many insurers reward with significant savings.

Our Top 10 Company Picks: Best Anti-Theft Auto Insurance Discounts

Company	Rank	Savings Potential	A.M. Best	Who Qualifies?
	#1	25%	A++	Policyholders with anti-theft devices
	#2	20%	A+	Drivers with certified anti-theft systems
	#3	18%	A+	Vehicles equipped with approved devices
	#4	15%	B	Customers with anti-theft technology
	#5	15%	A	Insured vehicles with tracking devices
	#6	12%	A	Owners of factory-installed systems
	#7	10%	A++	Drivers using anti-theft measures
	#8	10%	A+	Customers with verified anti-theft devices
	#9	8%	A	Policyholders with theft protection
	#10	5%	A+	Drivers with eligible anti-theft devices

Lower your risk and enjoy discounts with alarms and tracking systems. Check out these leading companies to maximize savings while protecting your vehicle.

Stop overpaying for auto insurance. Enter your ZIP code above to find out if you can get a better deal.

Strategies for Securing the Best Anti-Theft Auto Insurance Discounts

You might be eligible for discounts by using anti-theft devices. Many insurance companies provide savings for installing theft-prevention tools like alarms and vehicle recovery systems. In this guide, we’ll walk you through some of the best anti-theft discounts available and how you can qualify for them. Check out our ranking of the top providers: “Best Auto Insurance Companies.”

Anti-Theft Device Discount

Your vehicle must have approved devices like alarms, immobilizers, or tracking systems to qualify for anti-theft auto insurance discounts. Passive alarms activate automatically when the car is locked, while active alarms need manual activation.

Discover the potential savings on your auto insurance premiums with various providers when you install anti-theft devices. Different insurance companies offer varying discounts based on their policies. For instance, Amica and Geico lead with savings of 25%, while Progressive offers a 20% discount. 

Top Anti-Theft Savings: Auto Insurance Monthly Cost After Discount

Insurance Company	Minimum Coverage	Full Coverage
	$90	$150
	$86	$139
	$82	$138
	$80	$135
	$88	$145
	$87	$142
	$75	$130
	$81	$136
	$85	$140
	$84	$144

Several companies, including Farmers and State Farm, offer 15% savings, while companies like Allstate, Liberty Mutual, Nationwide, The Hartford, and Travelers offer discounts ranging from 10% to 20%. Enhance your vehicle’s security to explore your options and maximize your savings.

More advanced options, such as vehicle recovery systems (e.g., LoJack or OnStar), use GPS to locate stolen cars, often resulting in higher discounts. Even simple steering wheel locks can qualify for a discount. Notify your insurer to claim these savings.

VIN Etching Discount

If someone breaks into your car, insurance may cover the incident. An easy and effective way to reduce the chance of theft is to have your vehicle identification number (VIN) etched on your car windows. This makes it much less attractive to thieves because replacing those etched windows is both expensive and time-consuming.

Several insurance companies offer discounts—usually ranging from 5% to 15%—when your vehicle has VIN etching. By taking this simple step, you’re not just increasing your car’s security, you’re also lowering your insurance risk, which could mean paying less for your premiums. It’s an easy, affordable way to protect your car while lowering your insurance costs at the same time.

Passive Alarm Discount

If your car has an anti-theft system that kicks in on its own, you might qualify for a discount on your auto insurance. Many newer vehicles come equipped with features including built-in alarms or devices that shut down the engine or fuel system when the doors are locked, making it harder for someone to steal your car.

Cars with automatic passive anti-theft systems, such as alarms or immobilizers, can qualify for auto insurance discounts of 5% to 15% on comprehensive coverage.

Since these devices continuously protect the vehicle without requiring any action from the driver, they offer a reliable deterrent against theft. As a result, insurance companies typically offer discounts ranging from 5% to 15% on comprehensive auto insurance coverage with these built-in systems.

Multi-Policy Discount

If you want to qualify for a multi-policy discount, a great way to do this is by combining your auto insurance with a homeowner’s or renter’s policy. This setup doesn’t just cover your car—it also protects any personal belongings stolen from inside your vehicle, which is an added bonus.

The best multi-vehicle auto insurance discounts, usually save between 10% and 25%, depending on your provider. Along with the savings, bundling policies gives you extra peace of mind by ensuring both your vehicle and the personal belongings inside it are better protected.

Gated Community/Restricted Access Discount

If you live in a gated community, an apartment building with limited access, or another secure area, you could qualify for a discount on your car insurance. Since these places are considered safer, the risk of your car being stolen is lower.

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Ever wondered if a vehicle has auto insurance coverage? Our article provides a comprehensive guide on how to verify this crucial detail. From using the VIN to contacting insurance companies and online databases, we’ve got you covered! https://t.co/2wRHMxy6aT #AutoInsurance pic.twitter.com/N6gk2UvxNX

— AutoInsurance.org (@AutoInsurance) June 4, 2024

High-risk auto insurance companies offer a 5% to 10% discount to drivers who park their cars in secure spots. By encouraging people to live in safer areas, these companies not only help lower insurance costs but also give drivers peace of mind.

New Car Discount

If you’re shopping for a new car, you can actually cut down on your insurance costs just by opting for a model that comes with the latest security features. Many insurance companies offer discounts—usually around 10% to 15%—for vehicles equipped with anti-theft technologies like alarms or tracking devices. These features not only protect your car from theft; they can also help lower your insurance premiums.

When buying auto insurance for a new car, make sure to ask about any available discounts tied to security features. Modern security systems can make your car a lot harder to steal, so not only will you feel safer, but you’ll also get to keep some extra money in your pocket. 

Club Steering Wheel Lock Discount

Using a club steering wheel lock is a smart way to boost your car’s security and get a discount on your auto insurance. To qualify, you’ll need to install a physical anti-theft device like a steering wheel lock. Most insurers will knock off around 5% from your premium if your vehicle is equipped with one of these.

Garage Parking Discount

Does auto insurance cover vandalism? Parking your car in a garage, whether at home or work, can actually save you some money on insurance—up to 5% or even 10%. Garages help shield your vehicle from theft, vandalism, and bad weather, which means less risk of damage. And less risk usually means lower premiums.

By letting your insurance company know you’re parking in a garage, you might unlock these savings and cut down on your overall insurance costs. It’s an easy way to protect your car and your wallet at the same time.

Usage-Based Insurance (UBI)

Usage-based insurance (UBI) programs allow drivers to reduce auto insurance premiums based on driving habits and vehicle location, usually by installing telematics devices or mobile apps tracking speed, braking, and parking locations. Take a look at our list of the leading providers: “Cheap Usage-Based Auto Insurance.”

If you park in secure locations, you can earn anti-theft discounts of 10% to 25% off your premiums through UBI programs like Progressive’s Snapshot and State Farm’s Drive Safe & Save. UBI saves you money, encourages safer driving, and reduces theft risk.

Low Mileage Discount

To qualify for the best low-mileage auto insurance discounts, which typically between 5% and 10%, you must show that you drive a low annual mileage. Driving less lowers your chances of theft and accidents. And if you add anti-theft features to the mix, you’ll be even more appealing to insurers looking for low-risk drivers.

When you avoid risky situations and lower the chances of theft, you’re keeping your car safer—and that can really cut down your insurance costs.

Comprehensive Insurance Anti-Theft Discount

How to check if a vehicle has auto insurance coverage, it’s important to know that comprehensive insurance safeguards against theft and other non-collision events, often providing discounts for vehicles equipped with advanced anti-theft technologies like alarm systems, tracking devices, or immobilizers.

Depending on your insurer, you could save up to 15% on your premiums. If you keep your car in a secure spot—like a garage or a gated community—you might qualify for these savings since it lowers the risk of theft.

Adding anti-theft features to your vehicle and making sure your insurance provider acknowledges them can not only boost your car’s security but also help you get significant savings on your coverage.

Other Ways of Preventing Auto Theft

Even if your insurance company fully covers it, nobody wants to contact the proper authorities, file the paperwork, endure the stress of the search, replace the vehicle, register new insurance and taxes, and deal with the day-to-day trivialities.

Thanks to advances in technology, stealing a car has become a much tougher job, especially when it’s not yours. These aren’t discount-worthy per se, but here are a few tips to keep your precious transport safe:

• Park Near People: It can be tempting to park on the far side of the lot to avoid the weirdos, but one major crime deterrent nowadays is the smartphone. The threat of videos many witnesses hold can stop would-be criminals in their tracks.
• Park in Well-Lit Areas: This makes any attempt riskier, as the culprit has a higher chance of being seen. Plus, if your vehicle is stolen, the first step is to call the authorities, who will look for cameras in the area. Having a well-lit view of the suspect helps your vehicle be retrieved sooner.
• Installing a GPS Tracking Device: These systems can help you remotely disable a stolen vehicle, increasing the chances of recovery. While you can’t always prevent theft, taking proactive steps prepares you for any potential incidents.

In our in-depth guide, you will discover if insurance covers you if someone breaks into your car. By following these simple actions, you’ll keep your car secure and you will enjoy the peace of mind that comes with it.

Finding the Best Anti-Theft Discounts for Auto Insurance

Geico, Progressive, and Allstate offer discounts of up to 25% for anti-theft measures such as alarms and tracking systems. Plus, they can have different offerings for those upgrades that came later. Still, the anti-theft features under the hood are a single data point in a mosaic of factors that affect the overall cost of auto insurance.

Your age, driving history, credit score, and location affect insurance rates, but don’t let price be your only focus. Prioritize consumer ratings and trustworthiness. In emergencies, confidence in your insurer is key; you’re paying for peace of mind. If you’re not getting value, consider shopping around.

After learning how to get an anti-theft auto insurance discount, enter your ZIP code into our free comparison tool below to get started.