Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key Takeaways

  • Anti-theft devices can save drivers between 5% and 20% of car insurance
  • Active devices are not as cost-effective as tracking systems
  • There are three different types of anti-theft discounts for active, passive, and tracking systems

Anti-theft discounts are savings based on safety equipment built inside your vehicle. These devices are sometimes a special technology within the car or a device that you attach to and remove from the vehicle.

These safety features are designed to keep you and your investment safe. What it comes down to for the insurance provider is how big is the risk?

Do you live in an area where your vehicle is a risk of being stolen? Car insurance companies may charge you increased rates for where you live and the theft activity there.

Anti-theft devices can help keep your auto insurance rates low and auto insurance discounts are widely available across nationwide providers for those who have these anti-theft devices. Enter your ZIP code to find an agent near you and discuss anti-theft discount car insurance quotes.

What is an anti-theft device?

Anti-theft discount car insurance rates are dependant on whether or not you have the device installed in your vehicle. So, what is it?

As the name suggests, an anti-theft device reduces the chances of your car being stolen or vandalized. In the event that it does get stolen, the anti-theft device also increases your chances of recovering your vehicle.

Several types of these devices often fall into two categories: Passive disabling device or active disabling device.

Keep reading to learn more about these devices.

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What are the types of car anti-theft devices?

There a several types of anti-theft technologies. Let’s go over a few.

An active disabling device is something that must be turned on in order for it to work. An example of this is the steering wheel lock drivers sometimes feel when their key won’t turn the engine over. Another example is the large steel rod, i.e., The Club, that fits across your steering wheel that prevents theft.

Others include passive disabling devices, automatic disabling, and remote disabling devices.

Automatic disabling relates to a transponder key, which doesn’t allow the vehicle to be driven without a key. The remote device allows a car owner to decelerate or lock a car’s brakes if it’s stolen.

Car alarms, VIN etching, systems like OnStar, and vehicle recovery devices are all examples of anti-theft devices.

How do you get a car anti-theft discount?

First, you need to make sure that your anti-theft device actually qualifies you for a discount. Ask your insurance provider about the requirements for an ant-theft device.

If you already have an anti-theft device but do not have an insurance company that offers a vehicle discount for the device or if you are looking to change insurance providers, check out the list below for a list of anti-theft discount car insurance companies.

  • 21st Century
  • AAA
  • Allstate
  • American Family
  • Ameriprise
  • Amica
  • Country Financial
  • Esurance
  • Farmers
  • Geico
  • Liberty Mutual
  • MetLife
  • Nationwide
  • Progressive
  • Safe Auto
  • Safeco
  • State Farm
  • The General
  • The Hanover
  • The Hartford
  • Travelers
  • USAA

Though savings will vary depending on the anti-theft discount car insurance company you choose, you can expect to at least save 5% and that’s on the low end.

Generally, passive alarms will help drivers save 15% to 20%. Active alarm discounts might only be between 5% and 10% on average.

Auto insurance providers typically offer higher rates if you live in an area with high crime simply because the risk is greater, but owning anti-theft devices can lower your auto insurance premium.

The Insurance Information Institute claims that location is a major factor when calculating your rates. So, be sure you speak with the agent about location costs, especially if there is a move coming up in your near future.

What’s the bottom line?

Car insurance can be expensive, especially if you live in a high-crime area. The devices discussed in the list above, as well as the list of popular insurance companies which offer anti-theft discounts, will help you find the right affordable car insurance for you.

How much do car insurance payments cost without these safety features? Car insurance can range from $100 to $600 (or higher) per month without any discounts. If you already have an anti-theft system in your car, it’s worth looking into getting a discount for it on your auto policy.

Enter your ZIP code to speak with a local provider about what your options are for anti-theft discount car insurance rates and if you qualify for premium reductions.