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: Aug 9, 2021

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Key takeaways...

  • In a number of states, a discount on car insurance is possible with LoJack installation
  • The amount of the discount varies based on insurer and location
  • The amount of this discount can vary widely and only applies to the comprehensive portion of your car insurance premium
  • Other anti-theft and safety technologies can also help you to receive discounts on your car insurance premiums

When looking to protect your car from theft while saving money on your car insurance, you may consider a LoJack system. The LoJack theft recovery device helps to recover cars that have been stolen and can dissuade theft when potential auto thieves are aware it is in use.

Car theft is a costly yet common crime across the United States. For people who carry comprehensive car insurance, theft compensation can be a great appeal for this type of auto coverage.

Around 21 states have provisions that allow for discounts based on LoJack installation for certain kinds of car insurance.

The amount of discount offered may vary by location, insurer and the type of insurance that you have. Comparing the prices and offers of various car insurance companies can help you to make the most of any discount offered for LoJack.

Enter your zip code into our free comparison tool above to find the best rate for the insurance you need.

What is LoJack?


LoJack is a device that can be used to track your vehicle. It can be installed in any car as an aftermarket device and allows the police to find and recover your stolen car.

The manufacturer has claimed a significant percentage of stolen vehicles with the system installed have been recovered.

LoJack technology is also available for computers and other high-value personal electronics and the company markets other tracking technology. The name of the product is a play on the word “hijack.” Instead of stealing a car, the technology helps to return a vehicle.

The technology involves placing a small radio device in the vehicle. When the car is reported stolen, the company can activate the device to broadcast signals available to the police in a two-mile radius.

The signal includes details to identify your car. Given that car theft costs people billions of dollars annually, there is a great deal of interest in recovering vehicles.

LoJack is not available everywhere. It is available in at least 27 U.S. states and Washington, D.C. When comparing car insurance prices available in your area, you can see if a discount is available in your state or location from the various insurers.

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Benefits of Recovering a Stolen Car

If your stolen car is quickly found and recovered by the police when it is reported, you’ll never need to file a claim for theft with your car insurance company. In most cases, car owners would much rather recover their cars than file for reimbursement.

It can take some time to settle a claim for theft from an insurance company, keeping you from obtaining a new vehicle while sorting out the insurance concern. When the vehicle is recovered, you can still file for any damage when you maintain comprehensive car insurance.

However, the number of claims that you file is one of the most important factors in determining your car insurance rate. This number is used to set your rate. By avoiding claims for theft, you can help keep your auto insurance rates lower before any discounts are applied.

You can compare the costs of various policies available to you based on your own driving and claims record to allow you to choose the best option for you.

Will LoJack reduce my car insurance premium?


You can compare the costs of various policies available to you based on your own driving and claims record to allow you to choose the best option for you.

Will LoJack reduce my car insurance premium?

If you carry only collision or basic liability coverage, LoJack installation will not reduce your car insurance premium.

Comprehensive auto insurance is the car insurance option that provides coverage in case of theft. This is the portion of your premium that could benefit from a LoJack discount.

These discounts vary widely between states and insurers and can range from discounts of 10 percent or less to 32 percent in California. In most states, discounts range between 10 and 25 percent of the annual comprehensive premium.

When you compare the offers available from different car insurance companies for comprehensive coverage, you can see which coverage choice can best help you to benefit from LoJack installation.

The one-time fee to install LoJack usually ranges from $700 to $1000. You can use the car insurance rate quotes you receive to determine if installation makes financial sense for you.

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Other Savings Options for Car Insurance

There are a number of discounts that you may be eligible for depending on the number of cars you insure and other equipment available on your vehicle.

Of course, maintaining a good driving record free of accidents and a low claims rate is one key factor in helping to save on car insurance.

Maintaining a good credit rating can also help keep your insurance rates low.

Sometimes, adding additional cars to your policy can help cut your rates for each car. Other insurers offer discounts for anti-theft devices like a car alarm system against your comprehensive premium.

In other places, driver education like a defensive driving course or a senior driving brush-up can help cut your auto insurance rates.

Other safety equipment can also help you to get discounts on your car insurance rates. These safety features include:

  • Passive restraints like automatic seat belts
  • Driver and passenger airbags
  • Anti-lock brakes (ABS)
  • Daytime running lights or adaptive headlights
  • Rear-view and backup cameras
  • Detection systems for blind spots or lane departures
  • Tire pressure monitoring alert

When you shop around and compare the costs of car insurance from various companies in your area, you can see what kind of discounts you may be eligible from your insurer of choice.

These discounts can help you keep a high level of coverage, preserving your protection for theft, fire or other damages, while still saving money.

How can I get the best price for car insurance?


When examining the multiple options available for insuring your vehicle, shopping around and comparing companies can help you to obtain the best discounts. While doing this, it’s important to select all of the options for which you may be able to achieve a discount.

You can also reduce services that are not important to you. For example, you may wish to cut back on towing coverage or car rental replacement.

However, for some people, these features are very important, even if their cost is often below the deductible on your car insurance.

LoJack is one option among many that can help you to recover from car theft. If you are interested in the system, you can see how much of an insurance benefit you could receive alongside other car theft deterrent and recovery technologies.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”
Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

Compare car insurance quotes to find the best deal for the coverage you need. Enter your zip code below to begin.