Best LoJack Car Insurance Discounts in 2025 (Save up to 25% With These Companies)
The best LoJack car insurance discounts come from Geico, Liberty Mutual, and State Farm, offering savings of up to 25% with an anti-theft discount. Geico provides competitive rates for LoJack users, Liberty Mutual offers bundling options, and State Farm lowers premiums for vehicles with LoJack security features.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Feb 15, 2025
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 15, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The best LoJack car insurance discounts come from Geico, Liberty Mutual, and State Farm, offering top savings of up to 25% for drivers using anti-theft technology. This article explores how insurers calculate LoJack-related discounts, which factors impact eligibility, and how much drivers can save.
Our Top 10 Company Picks: Best LoJack Car Insurance Discounts
Insurance Company Rank A.M. Best Rating Anti-Theft Discount Who Qualifies?
#1 A++ 25% Vehicles with anti-theft devices, Geico customers with enhanced models
#2 A 20% Vehicles with anti-theft devices, LoJack system users
#3 B 15% Vehicles with anti-theft devices, vehicle association members
#4 A- 15% Vehicles with anti-theft devices, LoJack users
#5 A+ 12% Vehicles with anti-theft devices, high-theft region customers
#6 A 10% Vehicles with anti-theft devices, aftermarket security device users
#7 A++ 10% Vehicles with anti-theft devices, advanced tracking device users
#8 A+ 8% Vehicles with anti-theft devices, rewards program participants
#9 A 8% Vehicles with anti-theft devices, high-theft-risk area customers
#10 A++ 5% Military families, vehicles with anti-theft devices
Geico leads with its steadily low premiums, Liberty Mutual offers flexible discount alternatives, and State Farm rewards policy bundling for extra discounts. By considering these important factors, drivers are able to gain the best premium while enhancing vehicle security.
Find the best comprehensive car insurance quotes by entering your ZIP code into our free comparison tool today.
- The best LoJack car insurance discounts can save drivers up to 25% on premiums
- Insurers offer LoJack discounts to reward theft prevention and vehicle safety
- Geico is the top pick for LoJack car insurance discounts with competitive savings
Understanding LoJack: How It Works and Its Benefits
LoJack is a stolen car recovery system that uses a covert radio transceiver to assist law enforcement in locating and recovering stolen vehicles. Unlike GPS tracking devices, LoJack works on a radio frequency, which makes it more difficult for thieves to detect or disable. When a car is stolen, police activate the system to locate its current position in real-time, frequently resulting in rapid recoveries.
LoJack is integrated with law enforcement databases and has a high recovery rate. It can be installed on cars, motorcycles, trucks, and heavy equipment and provides theft protection and possible insurance discounts. Professional installation is needed, and it might not be offered everywhere, but LoJack offers extra security and peace of mind for car owners.
For those wondering if car theft is covered by car insurance, comprehensive coverage typically includes protection against theft, helping owners recover their losses even if the vehicle is not found.
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LoJack Insurance Discount: Savings and Costs
The LoJack insurance discount covers the cost of the LoJack device installation and ongoing monitoring. It also helps drivers save on comprehensive coverage by reducing the risk of vehicle theft. LoJack is a small, discreet tracking device that assists law enforcement in recovering stolen vehicles quickly, which can lead to lower insurance costs.
Many drivers wonder, “Does LoJack lower car insurance?” the answer depends on the provider, but several insurers offer discounts for vehicles equipped with LoJack. The LoJack installation cost typically ranges from $700 to $1,000, while LoJack monthly costs for premium services can be around $10 to $20, though the base system does not require a subscription.
Laura Berry Former Licensed Insurance Producer
When asking, “How much does LoJack save on insurance?” the exact discount varies, but the table below shows the lowest LoJack insurance price for minimum coverage from top providers after the discount is applied. USAA offers the most affordable rate at $41 per month, followed by Geico at $42 and Travelers at $44. On the higher end, American Family’s rate is $54 per month, even after applying the LoJack discount.
Lojack Monthly Min. Coverage Insurance Rates After Discount
| Insurance Company | Rank | Monthly Rates |
|---|---|---|
| #1 | $41 |
| #2 | $42 |
| #3 | $44 |
| #4 | $45 |
| #5 | $46 |
| #6 | $47 |
| #7 | $48 |
| #8 | $49 |
| #9 | $50 |
| #10 | $54 |
For those looking to offset LoJack installation costs, some insurance providers may offer a LoJack discount code to reduce upfront expenses. While the savings on insurance vary, LoJack provides strong theft protection, which can help lower long-term costs associated with theft claims.
Maximizing Savings with LoJack Car Insurance Discounts: How to Qualify
Finding the best LoJack car insurance discounts helps drivers lower their premiums while improving vehicle security. Many insurance companies offer savings for installing LoJack anti-theft devices, using advanced safety features, bundling policies, or enrolling in usage-based insurance (UBI) programs.
The table below highlights top providers and their discount rates across four key categories:
Top Lojack Car Insurance Discounts by Provider & Savings
| Insurance Company | Anti-Theft | Safety Features | Bundling | UBI |
|---|---|---|---|---|
| 15% | 10% | 20% | 12% |
| 10% | 9% | 18% | 10% |
| 12% | 11% | 15% | 14% |
| 20% | 15% | 18% | 15% |
| 18% | 13% | 19% | 16% |
| 14% | 12% | 17% | 13% |
| 17% | 14% | 16% | 12% |
| 13% | 10% | $22 | 11% |
| 16% | 11% | 14% | 10% |
| 19% | 13% | 21% | 17% |
Here’s a breakdown of the discounts and how drivers can qualify, along with the savings offered by each provider:
- Anti-Theft Discount: Cars with LoJack or similar GPS systems qualify for savings. Insurers reward theft prevention features. Proof of installation is required.
- Safety Features Discount: Vehicles with AEB, blind-spot monitoring, or lane warnings earn discounts. Factory-equipped or approved aftermarket features qualify. Insurers verify eligibility.
- Bundling Discount: Combining an auto with a home or multiple vehicles lowers costs. Policyholders must bundle policies under the same provider. Savings vary by insurer.
- Usage-Based Insurance (UBI) Discount: Insurers offer savings for safe driving tracked via telematics. Drivers must enroll and maintain good driving performance. Safer habits lead to bigger discounts.
Making the most of the top LoJack car insurance discounts can result in significant savings.
By installing LoJack, keeping vehicle safety features up to date, and bundling policies, drivers can lower their premiums while keeping their vehicles safe. Compare companies to determine the best combination that suits your requirements.
Who is Eligible for the Discounts
To qualify for a LoJack car insurance discount, you must have a LoJack theft recovery device installed in your vehicle. Many insurance companies offer discounts for vehicles equipped with LoJack, but eligibility varies. Some insurers may require comprehensive coverage to apply the discount, so it’s best to confirm with your provider.
The table below compares average monthly car insurance rates from major providers based on different driving records. While these rates do not specifically reflect LoJack discounts, having a LoJack device may help lower your premiums with certain insurers.
Since insurance rates are influenced by various factors—including driving history, vehicle type, and car insurance coverage levels—it’s best to check with your insurer to see how a LoJack device might impact your premium.
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Other Types of Discounts Available to Customers and How to Qualify for Them
In addition to the Lojack car insurance discount, several other discounts can help lower your car insurance premiums. These discounts reward safe driving habits, policy bundling, and vehicle-specific features. Here are some common car insurance discounts and how to qualify for them:
- Good Driver Discount: If you maintain a clean driving record with no accidents or violations, you may qualify for a good driver car insurance discount.
- Multi-Policy Discount: If you have multiple insurance policies with the same provider, such as home and auto insurance, you may be eligible for a multi-policy discount.
- New Car Discount: If you own a newer vehicle, particularly one with advanced safety technology, you may qualify for a new car discount.
- Low Mileage Discount: If you drive fewer miles than the average driver, you may be eligible for a low mileage discount, as lower mileage reduces accident risk.
Taking advantage of these car insurance discounts can help you reduce your premiums while maintaining quality coverage. Be sure to check with your insurance provider to see which discounts you qualify for and how they can be applied to your policy. By combining multiple discounts, you can maximize your savings and get the best value for your car insurance.
Unlock the Best LoJack Car Insurance Discounts
The best LoJack car insurance discounts can save drivers up to 25% when they install a LoJack anti-theft device. Major insurers like Geico, Liberty Mutual, and State Farm offer top discounts, helping policyholders reduce premiums by lowering the risk of theft.
LoJack’s radio transceiver technology aids law enforcement in vehicle recovery, making it a valuable security feature. Installation costs typically range from $700 to $1,000, with optional monitoring services adding $10 to $20 per month.
To get the best LoJack car insurance discounts, drivers must install the device and may need comprehensive coverage to qualify. Additional savings opportunities include good driver, multi-policy, safety features, and low-mileage car insurance discounts, which can further lower premiums. Comparing quotes from top providers ensures drivers secure the most competitive rates while maximizing their LoJack-related savings.
Explore your car insurance options by entering your ZIP code and finding which companies have the lowest rates.
Frequently Asked Questions
Does having LoJack lower insurance rates?
Many insurance companies offer discounts for vehicles equipped with LoJack since it enhances theft recovery. However, the discount amount varies by provider.
How much does LoJack cost?
The cost of LoJack varies, typically ranging from $700 to $1,200 as a one-time purchase, with some plans including additional service fees. Finding the best LoJack car insurance discounts can help offset these costs by lowering premiums for vehicles equipped with LoJack.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool to instantly compare quotes near you.
Does LoJack reduce insurance premiums?
Yes, some insurers reduce premiums for LoJack-equipped vehicles, as they are less likely to be stolen permanently. Discount availability depends on your provider. Car insurance discounts to ask for may include anti-theft device discounts, so check with your insurer for eligibility.
How do I get a LoJack insurance discount with Progressive?
To qualify for a LoJack insurance discount with Progressive, your vehicle must have an eligible LoJack system installed. Contact Progressive to verify discount availability and potential savings on your policy.
How much does LoJack cost per month?
LoJack itself is usually a one-time purchase, but certain plans may include subscription fees, which can range from $10 to $20 per month for added features.
Does Geico offer a LoJack insurance discount?
Geico car insurance discounts may include an anti-theft discount for vehicles equipped with LoJack, but eligibility and savings depend on state regulations and policy details. Contact Geico for specific discount information.
What is the LoJack meaning in insurance?
In insurance, LoJack refers to a vehicle recovery system that can help secure the best LoJack car insurance discounts by reducing theft risk and improving the chances of recovery after theft
Does State Farm provide a LoJack discount?
State Farm may provide a LoJack discount as part of its anti-theft coverage, helping policyholders save on comprehensive insurance. To confirm eligibility and potential savings, check with your local State Farm agent about the State Farm LoJack discount.
Does LoJack lower insurance costs?
LoJack can reduce your insurance premium if your provider offers an anti-theft system car insurance discount or vehicle recovery discount. Be sure to confirm your eligibility with your insurance provider.
How do I get a LoJack insurance discount with Geico?
To qualify for a LoJack insurance discount Geico, ensure your vehicle has an eligible LoJack system installed and provide proof to your insurer.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
