How to Get an Anti-Theft Discount

An anti-theft discount can only be applied if you have comprehensive auto insurance coverage, which covers the theft of a vehicle. In many states, an anti-theft discount is mandatory, but even in states where it is not, companies tend to offer lower rates to people with anti-theft devices installed. You can have either an active or passive disabling device to qualify for anti-theft discount rates.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 30, 2021

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Things to Remember

  • Anti-theft discounts are only applied to comprehensive coverage policies.
  • There are two main types of anti-theft devices: active and passive disabling devices.
  • You can typically save between 15% and 20% on your rate with an anti-theft discount.

Many vehicles these days come with built-in anti-theft devices and functions that make it harder for thieves to steal your car. If you have anti-theft protection on your car, you may be wondering if you can score an anti-theft discount on your auto insurance.

Fortunately, many of the best auto insurance companies offer an anti-theft discount. With an anti-theft discount, not only will your car be safer, but you’ll also save money on your monthly auto insurance rates.

Keep reading to learn how to get an anti-theft discount on auto insurance, what types of car anti-theft devices there are, and how much you can save. Before we get started, enter your ZIP code into our free comparison tool above to find affordable anti-theft auto insurance near you.

How do I get an anti-theft auto insurance discount?

Unfortunately, not all auto insurance providers offer an anti-theft discount, so if you’re interested in getting one, make sure to compare anti-theft auto insurance quotes from multiple companies to find those that do.

Some companies won’t offer you a discount per se, but they will give you a cheaper insurance quote if you have an anti-theft device or other anti-theft measures in your vehicle.

Most companies ask about the make and model of your car when you’re shopping for auto insurance quotes because newer vehicles typically come with anti-theft devices installed. Based on the make and model of your car, some companies will automatically give you a discounted rate.

Others will give you further discounts if you’ve added certain anti-theft devices yourself, so always check with your provider to see what discounts you qualify for.

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How much can I save with an anti-theft auto insurance discount?

Due to advances in anti-theft technology, auto theft has taken a downward plunge in recent years. In fact, according to the Insurance Information Institute, vehicle thefts peaked at 1.7 million in 1991, falling 43% to 721,885 in 2019.

It’s nice to know that anti-theft devices have made our vehicles safer than ever before, but you’re probably wondering how much they can save you on your auto insurance rates.

Auto theft is only covered by comprehensive insurance coverage, so you’ll need to have a comprehensive policy in order to score an anti-theft device auto insurance discount.

If you do, you could typically save between 15% and 20% on your comprehensive coverage rates with an anti-theft discount.

Of course, it’s important to compare anti-theft auto insurance rates from multiple companies to find an affordable price. We recommend comparing at least three anti-theft auto insurance companies to find the best deal.

What types of car anti-theft devices are there?

Anti-theft devices are generally broken into two categories: active disabling devices and passive disabling devices.

An active disabling device is an anti-theft device that the driver must physically put in place or manually engage to prevent the car from being driven.

For example, one example of an active disabling device is a steering wheel lock. The lock must be put on by the driver after he turns off the car. If anyone tries to steal the car, they’ll be unable to use the steering wheel and drive away.

On the other hand, a passive disabling device works automatically without having to be engaged by the driver. For example, most cars these days come with smart keys that won’t allow the vehicle to be driven if the key is not nearby.

This way, if someone stole your car, they wouldn’t be able to get far before the car shut down due to the absence of the smart key. If you have a smart key, never leave it in your car or you could be letting a thief drive off with your vehicle.

Now that you know all about car anti-theft devices and anti-theft discount rates, start shopping for affordable coverage today. Enter your ZIP code into our free comparison tool below to buy anti-theft auto insurance from providers in your area.

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