Insurance Companies That Offer Discounts For Using GPS Trackers In 2025

 

Key Takeaways: 

• Progressive, National General, and Esurance offer the best discounts on insurance for using GPS trackers in 2025.
• Only 15% of insurers offer GPS tracker discounts, and 30%  companies cover insurance only for their own tracking devices or apps.
• Some insurers combine GPS trackers with insurance plans to make saving easier.

Car insurance can be expensive, but GPS trackers help reduce costs by monitoring driving habits and vehicle location. Many insurance companies offer discounts for using GPS trackers, rewarding responsible drivers with lower premiums.

This blog explains how GPS tracker discounts work and lists top insurance providers offering these programs. Learn how to save on insurance, improve driving habits, and secure your vehicle effectively.

How Insurance Discounts for GPS Trackers Work

Install a GPS Tracker

Install a GPS tracker in your car. This tracker can be provided by your insurance company or purchased separately if compatible. It monitors key details like how far you drive, your speed, and when you’re on the road.

Share Driving Data

The GPS tracker sends your driving data directly to your insurance provider. It tracks essential factors, including:

• Mileage: The total distance you drive.
• Driving Times: For example, driving during safer times like daytime.
• Driving Behavior: Such as avoiding harsh braking or speeding.

Insurance companies analyze the data to determine how safe your driving is. If the data shows responsible behavior, you can qualify for significant discounts on your premiums.

Dynamic Premium Adjustments

Your insurance premium is adjusted regularly based on the driving data collected. Consistent, safe driving results in ongoing savings, while risky behaviors could reduce the discount potential.

Extra Benefits for GPS Tracking

Besides discounts, GPS trackers add security by helping recover stolen vehicles. This added protection often leads to further savings from your insurer. By installing and using a GPS tracker, you save on insurance, better understand your driving habits, and enjoy enhanced vehicle security.

How We reviewed Car Insurance Companies

The car insurance business is big and has several players. So, being the best car GPS tracker provider in the market, we at Family1st conducted extensive research to find the most suitable insurer for you.

For our research into discounts offered by auto insurance companies for tracking devices, we interacted with these 20 top auto insurers.

We also choose these two cars of different makes and models to get a better picture. We wanted to see the impact of other vehicles with GPS trackers on auto insurance premiums.

Best insurance companies for car owners with GPS trackers

GEICO

We reviewed GEICO’s DriveEasy app and found it effective at tracking risky behaviors like phone use and harsh braking, which directly impact insurance costs. DriveEasy provided clear trip reports, showing how driving habits could lead to savings. GEICO makes it simple for careful drivers to lower their car insurance premiums.

Progressive

Progressive’s Snapshot program stood out for its focus on real-time driving data, such as acceleration and time-of-day driving. The driving score provided by the Snapshot app after each trip highlighted actionable insights to improve both safety and premiums. Snapshot is an excellent choice for drivers seeking personalized insurance savings.

Allstate

Allstate’s Drivewise program impressed us by rewarding smooth driving habits, such as steady acceleration and gentle braking. The Drivewise app’s real-time updates helped drivers understand how their behavior affects insurance rates. Drivewise is a practical tool for lowering costs while fostering safer driving habits.

AAA

AAA’s OnBoard program connects safe driving habits to insurance discounts, making it a practical choice for members. The OnBoard app tracks long-term driving patterns, helping drivers qualify for steady premium reductions. Coupled with AAA’s other services, it’s an excellent package for drivers who value comprehensive benefits.

Amica Mutual

Amica Mutual’s telematics program well-suited for its simplicity and clear feedback on unsafe behaviors, such as sharp turns. The Amica app provided actionable advice, showing how improvements could directly impact premiums. Amica is ideal for drivers looking for an intuitive way to earn insurance discounts.

USAA

USAA’s SafePilot program focuses on rewarding safe habits, like avoiding distractions, which can significantly reduce premiums. The SafePilot app’s region-specific insights into high-risk areas stood out as a unique safety feature. SafePilot is a standout for military families seeking insurance savings tied to safe driving.

State Farm

State Farm’s Drive Safe & Save program stood out for its focus on low-mileage drivers, adjusting premiums based on driving frequency. The Drive Safe & Save app delivered timely updates on potential discounts, helping drivers see the benefits of their habits quickly. It’s a strong choice for drivers who want fair and flexible insurance rates.

Farmers

Farmers’ Signal program uses a gamified approach to engage drivers, rewarding safe behaviors like maintaining steady speeds. The Signal app’s leader board feature was added bonus, competitive element to improving driving habits, which we found motivating. Signal is a great option for families or groups who want to save on insurance together.

Esurance

Esurance’s DriveSense program integrates seamlessly with its insurance platform, providing drivers with insights into their driving habits and policies in one place. The DriveSense app tracks behaviors like hard stops, showing their direct impact on premiums. For tech-savvy drivers, DriveSense offers a modern and convenient way to earn discounts.

Liberty Mutual

Liberty Mutual’s RightTrack program impressed us with its short 90-day monitoring period, which calculates insurance discounts quickly. The RightTrack app provides actionable feedback during this period, allowing drivers to adjust habits for faster savings. RightTrack is perfect for those who want immediate results without a long-term commitment.

National General

National General’s telematics program tailors insurance discounts to recurring driving patterns, such as frequent stops in traffic. The personalized tips provided by the National General app helped drivers refine habits and understand their impact on premiums, which we found highly practical. It’s a reliable option for high-risk drivers looking to improve both their driving and their insurance rates.

MetLife

MetLife’s MyJourney program tracks high-risk driving periods, like late-night trips, offering discounts for avoiding them. The MyJourney app breaks down how safe choices directly influence lower premiums, providing drivers with a clear savings path. MyJourney is a great choice for drivers looking to align safety with affordability.

The Hartford

The Hartford’s telematics program is designed with older drivers in mind, offering guidance on habits like smooth movements and consistent speeds. The Hartford app’s supportive feedback system helps users make improvements without feeling overwhelmed, which we found appealing. It’s a trusted option for mature drivers seeking affordable rates and ease of use.

Nationwide

Nationwide’s SmartRide program connects eco-friendly habits, such as coasting and steady speeds, to premium reductions. The SmartRide app’s dual focus on safety and fuel efficiency highlights the broader benefits of responsible driving. SmartRide is an excellent choice for drivers who want their good habits reflected in lower insurance costs.

Safeco

Safeco’s RightTrack program rewards safe habits like smooth driving and low mileage, making it an effective way to save on premiums. The RightTrack app provided regular updates that were easy to understand, showing how driving habits directly influenced savings. RightTrack is a reliable choice for drivers seeking consistent rewards for their safe practices.

Travelers

Travelers’ IntelliDrive program focuses on braking and acceleration habits, linking them to potential insurance savings. The IntelliDrive app’s weekly progress reports provide detailed insights into how driving habits affect premiums, which we found very helpful. IntelliDrive is a great choice for drivers who want clear, actionable feedback tied to their insurance rates.

American Family

American Family’s KnowYourDrive program ties consistent habits, like maintaining steady speeds, to premium reductions. The KnowYourDrive app’s insights into driving improvement made it clear how each trip could contribute to savings. KnowYourDrive is perfect for drivers seeking actionable advice that directly impacts their rates.

Automobile Club Group (AAA)

The Automobile Club Group offers an effective telematics program that rewards safe driving habits with discounts. The AAA app stood out for its seamless integration with other AAA services, creating a comprehensive insurance solution. It’s a strong choice for drivers who want savings alongside AAA’s trusted support.

MAPFRE

MAPFRE’s telematics program encourages drivers to avoid high-risk zones and times, directly tying these efforts to insurance discounts. The MAPFRE app’s focus on hazardous area alerts provided a unique benefit for safety-conscious drivers. For those who value clear safety guidance alongside savings, MAPFRE offers a practical solution.

Erie Insurance

Erie Insurance’s telematics program focuses on urban driving behaviors, such as braking frequency, to calculate tailored discounts. The Erie app’s detailed feedback helped highlight how small changes in habits could significantly reduce premiums. Erie is an excellent choice for city drivers seeking personalized savings.

Our Expert Reviewers Findings

Based on the factors that auto insurers look at before offering a cover, and the presence of a reliable GPS tracker, here is what we found:

• Only 3 out of the above 20 give a discount on cars with GPS trackers.

• About 15% of auto insurance companies like Progressive, National General, and Esurance give moderate discounts on insurance premiums based on the GPS tracker’s recovery ability.

• 30% of auto insurance companies extend discounts only for their own vehicle tracking devices, apps, and programs.

• 70% of car insurers do not offer any discount for GPS trackers.

Here is a info graphic  list of auto insurance companies that recognize the importance of GPS trackers in enhancing the safety of your car, and thus, also offer good deals on insurance premiums:

So here is what you need to know before choosing your insurer to save more

• Progressive offers a GPS tracking discount at a much better rate than others in the industry. The second-best choices are National General and Esurance.

• Some insurers provide a bundled service of auto insurance and a GPS tracking system.

• Insurance can cover monetary loss, but GPS tracking systems can keep your loved ones and assets safe. So even if you choose an auto insurer that doesn’t consider the risk-minimizing aspects of a GPS tracker, get a strong GPS tracking device like the Family1st portable tracker for added safety.

Conclusion

GPS trackers help reduce risks and make driving safer. Companies like Progressive, National General, and Esurance offer good discounts to drivers who use them.

If your insurance company doesn’t offer discounts, a reliable GPS tracker like the Family1st portable tracker can still improve safety. Choosing the right insurer and using a GPS tracker can save money and protect your car and loved ones.