Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Sep 23, 2020

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Just What's Essential

  1. Twenty-one states currently cooperate with licensed auto insurance companies to offer LoJack insurance discounts. Nineteen states allow for discounts of up to 25 percent.
  2. Discounted insurance premiums are available for cars and other motor vehicles equipped with the LoJack anti-theft device.
  3. The actual discount amount will vary from state to state and company to company.

Drivers should be rewarded for securing their cars with the best safety technology possible. The LoJack System is an anti-theft device, and companies like Geico and Progressive offer a LoJack insurance discount. Learn more about the rewards of the LoJack insurance discount and how to get car insurance quotes with LoJack in this guide.

Affordable car insurance doesn’t haveto be impossible to find.

Wondering how much can I save on car insurance with LoJack? Enter your ZIP code to learn more about car insurance rates with LoJack available in your area. 

Table of Contents

How much does LoJack save on car insurance?

The average insurance discount ranges from 10-25 percent of a policyholder’s annual comprehensive premium. Only California and Texas currently allow for greater discounts.

For example, Houston, Texas car insurance allows for up to a 30 percent discount, and California car insurance, up to 32 percent. LoJack has a complete list of states that allow discounts on its website.

It should be noted that insurance companies are licensed separately in every state in which they do business and must conform to the rules set forth by each state.

Rates and discounts will vary from state to state, so a thorough investigation should be undertaken to determine the best rates and available discounts in your area.

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The LoJack Device

The name LoJack is meant to be the opposite of the term hijack, meaning to steal a vehicle by force. LoJack devices may be installed in cars, trucks, motorcycles, and commercial vehicles.

Before we move on, let’s take a look at the number of vehicle thefts in the U.S. so you can get a sense of why this device might be worth investing in.

U.S. National Property Crime and Motor Vehicle Theft Statistics
Type of CrimeAverage Number of Crimes per StateTotal Number of Crimes in the U.S.
National Property Crimes5454,115,665
National Motor Vehicle Thefts59447,202
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The manufacturer of this device claims that 90 percent of stolen vehicles containing this system are recovered. In the last 20 years, LoJack Corporation maintains that more than 250,000 vehicles of all types have been recovered because of the LoJack system.

The LoJack System is registered with a LowJack Owner Information Form that helps the company keep track of your vehicle after a new or used car purchase. 

But, let’s talk about costs. 

How much does it cost to install LoJack?

For a one-time installment fee starting at $695, drivers are protected with the LoJack Stolen Vehicle Recovery System. For $995, drivers can get the LoJack with the Early Warning System.

How long does a LoJack battery last? The battery on a LoJack device is designed to last with proper maintenance. The LoJack Corporation recommends an inspection every two years, which will generally cost around $100.

Though pricing may vary, drivers are encouraged to reference their manual book for proper maintenance of the device. Is LoJack a monthly fee? No, there’s no monthly fee.

Recently, LoJack Corporation has expanded its marketplace to include computers and other personal items, and also provides devices to police departments to use for tracking individuals on probation or parole. 

Where is LoJack located on a car?

To get a better understanding of how LoJack works, take a look at this video.

A small radio device is hidden inside a vehicle. When a car is reported stolen, the device is activated and broadcasts signals that can be picked up by specially equipped police patrol vehicles.

The signals broadcast an alphanumeric signal for a two-mile radius.

This signal includes pertinent vehicle information, like the year, make, and model of the vehicle as well as the VIN number and other identifying characteristics.

Can I get a discount on my motorcycle insurance if I purchase LoJack?

Yes. In the past several years, LoJack has established a number of partner relationships with some of the nation’s largest motorcycle insurers.

The cost of motorcyle insurance per month is, like car insurance, based on a driver’s level of risk.

Does LoJack reduce insurance?

Yes. After two decades of success, LoJack has worked out agreements with some of the nation’s largest auto insurance providers.

The LoJack Corporation also consistently offers rebates to customers who insure their vehicles through one of the dealer’s preferred insurance carriers and purchase a LoJack package.

For instance, there are Progressive and Geico insurance discounts for LoJack and other anti-theft devices.
Auto Insurance Companies Offering Anti-Theft Device Discounts

Auto Insurance CompaniesLoJack Insurance Discount Available
Allstatex
American Family x
Farmers x
Geicox
Liberty Mutual x
Nationwidex
Progressivex
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That all sounds great, but is there a downside?

Is there a downside to LoJack?

The only real negative is the LoJack coverage area, which only includes 27 states and the District of Columbia. LoJack service is also available in 30 foreign countries. For a complete up-to-date coverage list, visit their website.

Is LoJack in every car? According to their site, LoJack can be installed in every car.

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Check with Your Provider

You will have to check with your car insurance provider to learn specific details about what, if any, LoJack discounts may be available to you. While there are LoJack alternatives, it shouldn’t be hard to find affordable car insurance rates with LoJack.

Now that you know more about LoJack rewards, enter your ZIP code to learn more about the coverage in your area and what discounts are available for installing a LoJack anti-theft device in your car. Buy car insurance with LoJack now.