Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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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. 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 Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 29, 2021

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The Lowdown

  • Anti-theft devices can prevent your car from being stolen and help you earn discounts of up to 15% on your auto insurance
  • Some of the best anti-theft devices for car insurance include remote locks, alarms, steering wheel locks, brake locks, car wheel clamps, kill switches, GPS trackers, and vehicle recovery systems
  • Comprehensive coverage may cover the cost to replace your vehicle if it is stolen

In 2020, there was an 11.8% increase in motor vehicle thefts. While having auto insurance helps protect you financially, having an anti-theft device for your car could help save your time and provide peace of mind.

Read more below to learn about the benefits of having an anti-theft device, the best types of anti-theft devices, and other ways you can protect your car.

If you need auto insurance to ensure your financial protection, enter your ZIP code into our free quote comparison tool above to find an auto insurance company near you.

Why should I get an anti-theft device for my car?

Anti-theft devices are used to protect your vehicle. In 2020, there were over 800,000 vehicles stolen in the United States. Whether you consistently park your vehicle outside or need to leave your car parked in a public place, an anti-theft device can help protect your vehicle.

Having an alarm or a wheel lock will work well to deter thieves. In addition, you can also save on your auto insurance with a discount for having an anti-theft device.

Let’s look at the average cost of auto insurance before a discount:

Average Annual Auto Insurance Rates by State
StatesAverage Annual
Comprehensive
Auto Insurance Rates
Average Annual
Collision Auto
Insurance Rates
Average Annual Liability Auto
Insurance Rates
Average Annual Full Coverage Auto
Insurance Rates
Alabama$156.31$317.96$372.57$868.48
Alaska$137.26$350.81$547.34$1,027.75
Arizona$186.12$277.96$488.59$972.85
Arkansas$190.41$321.80$381.14$906.34
California$100.54$396.55$462.95$986.75
Colorado$174.61$287.00$477.10$981.64
Connecticut$131.62$368.51$633.95$1,151.07
Delaware$122.49$318.77$776.50$1,240.57
District of Columbia$233.24$468.67$628.09$1,330.73
Florida$159.18$331.83$845.05$1,048.40
Georgia$101.56$313.17$490.64$873.28
Hawaii$116.55$219.05$458.49$679.89
Idaho$128.13$309.71$337.17$884.56
Illinois$122.06$250.29$430.54$755.03
Indiana$183.53$219.75$372.44$702.46
Iowa$267.91$263.33$293.34$862.93
Kansas$141.39$267.91$342.33$938.51
Kentucky$215.17$414.36$518.91$1,405.36
Louisiana$104.98$259.98$727.15$703.82
Maine$152.72$353.99$333.92$1,116.45
Maryland$134.96$388.28$599.48$1,129.29
Massachusetts$154.85$413.83$587.75$1,364.00
Michigan$184.27$234.40$722.04$875.49
Minnesota$210.33$323.22$439.58$994.05
Mississippi$181.27$275.28$437.38$872.43
Missouri$211.91$265.32$399.41$863.52
Montana$229.25$237.13$387.77$831.02
Nebraska$117.63$303.86$349.07$1,103.05
Nevada$110.77$307.42$647.07$818.75
New Hampshire$131.35$381.86$393.24$1,382.79
New Jersey$172.57$276.98$865.55$937.59
New Mexico$171.12$385.02$462.21$1,360.66
New York$136.08$293.59$784.98$789.09
North Carolina$231.04$244.09$357.59$773.30
North Dakota$121.61$269.84$282.55$788.56
Ohio$225.84$318.47$376.16$1,005.32
Oklahoma$93.87$226.83$441.57$904.83
Oregon$144.21$327.24$553.43$970.51
Pennsylvania$132.19$411.51$495.02$1,303.50
Rhode Island$180.94$265.07$720.06$973.10
South Carolina$258.11$208.58$497.50$766.91
South Dakota$116.53$282.96$289.04$1,257.13
Tennessee$148.45$309.07$397.73$871.43
Texas$206.42$374.49$498.44$1,109.66
Utah$109.50$265.90$471.26$872.93
Vermont$125.48$295.42$340.98$764.02
Virginia$136.54$280.52$413.12$842.67
Washington$106.38$265.74$568.92$968.80
West Virginia$204.28$329.67$501.44$1,025.78
Wisconsin$136.81$226.00$359.84$737.18
Wyoming$247.57$278.83$323.38$847.44
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An anti-theft device discount could earn you up to 15% off. Auto insurance companies that provide this discount include GEICO, State Farm, Allstate, Farmers, Progressive, Nationwide, Travelers, and Liberty Mutual.

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What are the best auto anti-theft devices?

There are many different anti-theft device types. A basic device has remote locks and an alarm. A remote lock allows you to lock your vehicle’s doors from afar. Some remote locks may connect to your smartphone so you can lock your doors further away, such as inside your home or at work.

Alarms create a loud noise that draws others’ attention, which could scare a thief away. You can also place stickers on your car’s windows to stop a thief before they begin vandalizing your vehicle. A basic alarm system or remote locks could cost around $200 each to install.

Some devices lock a specific part of your car, such as a steering wheel lock, brake lock, or car wheel clamp.

A steering wheel lock makes turning the steering wheel difficult, and it can cost as little as $20. Brake locks disable your brakes through the brake pedal or steering wheel, and they can cost around $50. Finally, car wheel clamps can prevent your car and the tires themselves from theft for between $30 and $70.

Some drivers may also choose kill switches that cost as little as $10. Kill switches will cut electricity flow at the ignition so thieves can’t start the vehicle. If you use a subscription service, such as OnStar, it may also stop your car from starting if you report it stolen.

You may also want to consider using a GPS tracker for your car. While it won’t prevent your vehicle from being stolen, it can check the location of your car and alert you when it’s in motion. A more advanced GPS tracker may also allow you to immobilize your vehicle. These systems can cost between $40 to over $100.

Vehicle recovery systems allow law enforcement to locate your vehicle by sending radio signals to your car with a computer. Vehicle recovery systems may cost around $695.

Does auto insurance cover theft?

In many cases, standard auto insurance will not cover the theft of your vehicle. However, comprehensive coverage does cover events out of your control, including theft and vandalism.

Therefore, if you carry comprehensive insurance, your auto insurance company will cover your replacement costs.

With that being said, your auto insurance will not cover the cost of personal items left in your vehicle. These items may be covered under your homeowners or renter’s insurance, but it is only worth filing a claim if the cost of the items is more than your deductible.

How else can I protect my car?

While anti-theft devices provide a lot of protection for your car, most of the security for your vehicle comes from safe parking. Try to park in busy, well-lit areas with your car locked and turned off. Also, make sure you have your key fob with you and that you move valuable items out of sight.

When you’re parking your car at home, make sure to leave the keys inside your house rather than in the car or garage. Doorbell cameras and other home security systems can also help law enforcement catch thieves.

Other ways to protect your car include leaving your vehicle locked and turned off when parked, installing motion-detection lights at home, and having a home security system.

Auto insurance companies may reward you for having safety features and devices that protect your vehicle. Enter your ZIP code into our free quote comparison tool below to find affordable auto insurance rates in your area.