Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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

UPDATED: Apr 30, 2021

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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 attatch/detatch from the vehicle.

These safety features are designed to keep you and your investment safe. But, what it comes down to for the insurance provider is 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.

Anti-theft devices keep rates low and are widely available across nationwide providers. 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, right? So, what is it?

An anti-theft device reduces the chances of your car being stolen or vandalized. In the event that it was stolen, an 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.

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 no company. 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.

Car insurance companies will raise rates if you live in an area with high crime, but anti-theft devices can lower your premiums.

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.

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The Bottom Line

Car insurance can be expensive, especially if you live in a high-crime area. The devices we just listed above, though, will help you find the right affordable anti-theft discount 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.

Enter your ZIP code to speak with a local provider about what your options are for anti-theft discount car insurance rates.