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ADT Cost Per Month β€” Complete Pricing Guide

Budget Seniors, June 3, 2026June 3, 2026
πŸ”’πŸ 
ADT Home Security Β· All U.S. Plans Β· Monthly Costs, Packages, Hidden Fees & Honest Alternatives

ADT monitoring costs $24.99 to $59.99 per month depending on the plan, plus equipment ranging from $269 to $1,449 upfront and a required 36-month contract in most states. This guide covers every plan, what the cameras and installation add, the fees most people miss, how ADT compares to Ring and SimpliSafe, and whether it’s actually worth the price for your home.

πŸ“°
Trending Now β€” ADT’s Strong Growth & New Smart Home Push

Following solid financial results in 2025, ADT is expanding its smart home ecosystem in 2026, deepening its Google Nest integration and pushing into broader home automation. At the same time, customers are getting louder about automatic contract renewals and surprise rate increases mid-contract β€” a pattern consumer advocates are calling out nationwide. If you’re an existing subscriber whose bill has quietly crept up, you’re not alone: ADT reserves the right to increase monthly rates during your contract term, and many customers only discover this when they call to cancel.

πŸ›‘οΈ What ADT Is β€” The One-Paragraph Version

ADT has been in the home security business for over 150 years, making it the oldest and most recognized alarm monitoring company in the United States. Today it monitors more homes than any other provider β€” roughly 6 million customers nationally. ADT operates through two separate product lines: the traditional professionally installed system (ADT Pro Install), where a technician comes to your home, wires everything, and your equipment is tied to a long-term monitoring contract, and the newer self-setup line (ADT Blu), where you buy a kit, install it yourself, and can monitor on a month-to-month basis. The professional system uses Google Nest Cams and GE-manufactured sensors; the DIY line is simpler hardware at a lower entry price. Both connect to ADT’s six redundant 24/7 monitoring centers across the country β€” the company’s biggest competitive advantage over Ring, SimpliSafe, and every newer entrant. When something triggers your alarm, a real person evaluates the threat and dispatches emergency services if needed.

πŸ“‹ Key Facts β€” ADT Costs & Value Answered Directly

ADT pricing is more complicated than a single number because there are two separate product lines, equipment sold separately from monitoring, installation fees that vary by installer, and contract terms most people don’t fully read before signing. The most-searched questions are answered straight below.

  • 1
    How much is the monthly bill for ADT? DIY/Self Setup: $24.99–$39.99/month Β· Professionally installed: $44.99–$59.99/month Β· Basic plan (no cameras): starts at $24.99/month Β· Full video + smart home: up to $59.99/month
    ADT’s monthly monitoring cost depends primarily on which product line you’re in and which tier you choose. The ADT Self Setup (DIY) line starts at $24.99/month for basic monitoring β€” no professional installation required, and the contract is more flexible. The traditional professionally installed system starts around $44.99/month for the base Secure plan and goes up to roughly $59.99/month for the Video and Smart Home tier that includes live video access, cloud storage, and home automation. None of those prices include taxes, which add roughly $3–$8/month in most states. ADT also reserves the right to increase monthly rates during your contract, which is buried in the fine print and catches many subscribers off guard. The rate that appears in the marketing is a starting rate, not a locked-in rate for your full 36-month term.
  • 2
    What does ADT cost in total β€” including equipment and installation? Equipment: $269–$1,449 upfront (or finance over 60 months) Β· Installation: $99–$199 labor fee Β· First-year total cost: roughly $1,100–$2,200 depending on package Β· 3-year total: $2,700–$5,000+ including all monitoring fees
    The monthly monitoring fee is only part of what ADT actually costs. Add the upfront equipment purchase β€” which ranges from $269 for a basic hub-and-sensor starter kit to $1,449 for a full package with cameras and a video doorbell β€” and the installation fee of $99–$199 charged by the ADT-authorized dealer who installs your system. Over a full 36-month contract at $49.99/month monitoring, the monitoring alone totals $1,799.64. Tack on equipment and installation and your true 3-year cost runs anywhere from roughly $2,700 to $5,000 depending on package. ADT does offer 0% APR financing on equipment over 60 months for systems costing $599 or more, which eliminates the big upfront payment β€” but you’re still paying every dollar of equipment cost, spread over time. One legitimately good deal currently running: ADT is offering a $100 Visa Reward Card with all professionally installed systems as of mid-2026, and periodically runs equipment discounts of 25–60% during promotional periods. Always ask the rep what’s currently on sale before finalizing the order.
  • 3
    Is ADT worth the money? Worth it if: you want professional installation, prefer not to manage a DIY system, and value the longest-established monitoring network in the U.S. Β· Not worth it if: you’re budget-conscious, a renter, or comfortable with DIY β€” Ring ($20/mo) and SimpliSafe ($18/mo) deliver strong monitoring for half the price
    Whether ADT is worth it comes down to one honest question: what are you actually paying for that a cheaper alternative doesn’t offer? ADT’s genuine advantages are its six redundant monitoring centers (Ring and SimpliSafe use third parties), its 150-year institutional track record, professional installation by licensed technicians, deep Google Nest integration, and the keychain remote that seniors in particular find genuinely useful β€” it lets you arm, disarm, and call for help without touching a phone or app. Research consistently shows that 60% of convicted burglars said they would choose a different target if they saw an alarm sign or camera, and ADT’s recognizable blue octagon sticker carries that deterrent weight more than unknown brands. What you’re not getting that cheaper alternatives provide: no contracts, lower monthly costs, and easier cancellation. SimpliSafe at $18/month and Ring at $20/month both offer real professional monitoring β€” not the equal of ADT’s infrastructure, but adequate for the vast majority of homes. For homeowners who want a completely hands-off setup they’ll never have to troubleshoot, ADT justifies its premium. For renters or anyone who might move in the next three years, the 75% early termination fee makes ADT a risky choice.
  • 4
    Is ADT the most expensive home security system? Among major national brands: ADT is in the middle-to-upper range Β· Vivint costs more ($50–$80+/month) Β· Ring is cheaper ($10–$20/month) Β· SimpliSafe is cheaper ($18/month) Β· ADT’s real cost premium is the equipment + contract structure, not just the monthly fee
    ADT is not the most expensive home security company β€” Vivint consistently charges more, with professionally installed plans running $50–$80+ per month and equipment financing packages that can push total 5-year costs to $6,000 or more. What makes ADT feel expensive to many people is the combination of the upfront equipment cost, the installation fee, the long contract, and the 75% early termination fee if you leave early. Ring and SimpliSafe have fundamentally different pricing structures: no long-term contracts, lower equipment costs, and monthly monitoring at $10–$20 β€” roughly half of ADT’s standard rate. The tradeoff is that Ring and SimpliSafe use contracted third-party monitoring centers rather than ADT’s owned-and-operated network, and their DIY installation isn’t for everyone. For pure monthly cost comparison: ADT Pro Install runs about $45–$60/month, SimpliSafe runs $18/month, and Ring runs $20/month for professional monitoring β€” a gap of $25–$40/month, or $900–$1,440 over three years.
  • 5
    Why is my ADT bill so high? Most common reasons: mid-contract rate increase (ADT can raise rates during your term) Β· Equipment financing rolled into monthly bill Β· State and local taxes Β· Add-on sensors or cameras billed separately Β· Automatic contract renewal at a higher rate after 36 months
    This is one of the most common ADT complaints, and there are several specific reasons a bill grows beyond what was quoted at signup. First: ADT’s contract language allows them to increase monthly monitoring rates during your agreement term β€” not just at renewal. Many customers sign at a promotional $35/month and find themselves paying $50+ within 18 months without changing anything. Second: if you financed equipment, that cost is rolled into the monthly bill separately from the monitoring fee and shows as a line item some customers interpret as the monitoring charge. Third: after your initial 36-month contract expires, ADT automatically renews your agreement on a month-to-month basis β€” and some customers report this renewal triggers a rate adjustment. Fourth: add-on services like additional cameras, smart home device monitoring, or a Nest Aware subscription through Google can add $10–$20/month that wasn’t in the original quote. If your bill is higher than expected, call ADT at 800-238-2727 and ask specifically for a line-item breakdown of every charge, then ask the retention team what rate reduction is available β€” they frequently offer discounts to customers who threaten to cancel.
  • 6
    What is the ADT complete package β€” and what does it include? The ADT Video & Smart Home package (top tier) includes: touchscreen control panel Β· 3 door/window sensors Β· 1 motion detector Β· 1 Google Nest Cam Indoor Β· 1 Google Nest Doorbell Β· smart home integration Β· 24/7 monitoring + video verification Β· cloud video storage Β· ~$49.99–$59.99/month
    ADT’s top-tier professionally installed package β€” currently branded as the Video and Smart Home plan β€” is what most people have in mind when they search “ADT complete package.” It starts with the standard equipment of every ADT system (a touchscreen control panel, 3 door or window sensors, and a motion detector) and adds professional-grade Google Nest Cams for both indoor and outdoor coverage, a Nest Video Doorbell that shows who’s at the door in real time, live video access and cloud storage through the ADT+ app, video verification (where monitoring center staff can view live footage before dispatching police β€” reducing false alarm fines), smart home automation including remote lock control and lights, and 24/7 professional monitoring across ADT’s owned monitoring network. The equipment for a mid-size version of this package runs $600–$900 depending on the number of cameras and sensors added. Monthly monitoring at this tier runs $49.99–$59.99. As of mid-2026, ADT is offering a $100 Visa Reward Card with all professionally installed systems and occasionally bundles a free Nest Doorbell at higher package tiers β€” always ask the sales rep what’s currently bundled before finalizing.
  • 7
    What is ADT’s cancellation policy β€” and what happens if I cancel early? Early termination fee: 75% of remaining monthly charges Β· Standard contract: 36 months (24 months in California) Β· Cancellation must be done by phone: 800-238-2727 Β· 6-month money-back guarantee window Β· After contract ends: auto-renews month-to-month with no termination fee
    This is the ADT detail that generates the most complaints and the most regret. If you cancel a professionally installed ADT system before your contract term ends β€” which is 36 months in all states except California (24 months) β€” you owe 75% of all remaining monthly charges. On a $49.99/month plan with 18 months left, that’s a cancellation fee of roughly $674. You cannot cancel ADT online; you must call 800-238-2727 during standard business hours. Before confirming cancellation, ask the rep to calculate the exact early termination fee β€” and ask the retention team whether any discount is available, since they often offer reduced rates or waived fees to customers who threaten to leave. There are two exit windows with no fee: within 72 hours of signing (a standard cooling-off period in most states) and within the 6-month money-back service guarantee period if you meet the conditions. After your initial contract term ends, ADT automatically renews month-to-month with no termination fee required to cancel β€” but you must call to stop the renewal. If you’re moving, ADT will transfer service to your new address at no cost if service is available there; if ADT doesn’t serve your new location, you may be able to cancel without the termination fee β€” get this in writing before your move.
  • 8
    Does ADT offer a senior discount? No direct senior discount from ADT Β· AARP members: 30% off new systems + 5% off monthly monitoring Β· Military (WeSalute members): free system worth $528 + $100 off monitoring Β· Insurance discount: most home insurers give 5–20% off premium with monitored alarm
    ADT does not offer a blanket age-based senior discount β€” there is no “over 65” pricing tier. However, AARP members get meaningful savings: 30% off new system equipment and an additional 5% off monthly monitoring fees, plus free professional installation of a Nest video doorbell. To claim the AARP benefit, either go to ADT’s website through the AARP member portal or call 866-593-4472 and identify yourself as an AARP member. Beyond AARP, two other savings paths are often overlooked by seniors. First, most home insurance companies offer a 5–20% discount on homeowner’s insurance premiums for homes with a professionally monitored alarm system β€” that’s an ongoing annual savings that partially offsets ADT’s monthly cost. Second, ADT’s keychain remote device β€” which lets you arm, disarm, and send emergency alerts with a button press rather than navigating a smartphone app β€” is one of the features security reviewers specifically call out as valuable for older adults. It also includes a help button that dispatches medical, fire, or police assistance directly from the remote, which functions independently of whether you can reach your phone. For seniors who want both home security and medical alert capabilities in one system, ADT’s integration with its own medical alert line (sold separately) means both can be managed under one provider relationship.
πŸ’° ADT Monthly Plans β€” Current Pricing at a Glance

ADT currently operates two separate product lines. The Self Setup (DIY) line has lower equipment costs and more flexible terms. The Pro Install line uses professional technicians, higher-end Google Nest equipment, and requires a 36-month contract. Prices shown are base rates β€” taxes and equipment financing add to the monthly total.

Plan Monthly Cost Equipment Cost Contract What’s Included
Self Setup β€” Basic $24.99/moNo cameras included $269–$559one-time or self-monitor free Month-to-month (1-mo min) Hub, door/window sensor, 24/7 monitoring, ADT app
Self Setup β€” With Cameras $39.99/moRequired for camera features $269–$559add cameras separately Month-to-month All above + live video, cloud storage, video doorbell support
Pro Install β€” Secure Entry Level $44.99–$49.99/moMonitoring only, no cameras $449–$599Pro-installed equipment 36 months (24 in CA) Touchscreen panel, 3 sensors, motion detector, cellular backup, ADT+ app
Pro Install β€” Smart Home $49.99–$54.99/mo $599–$900 36 months All above + smart home automation, remote arm/disarm, Z-wave device control
Pro Install β€” Video & Smart Home $54.99–$59.99/mo $900–$1,449includes Google Nest Cams 36 months All above + Google Nest Cams, Nest Doorbell, video verification, cloud storage
⚠️ Always Negotiate Before Signing

ADT’s pricing is not fixed. The equipment cost, installation fee, and even the monthly monitoring rate are frequently negotiated down by customers who ask. The sales rep and the online advertised price are both starting points. Mention competitor quotes from SimpliSafe or Ring, and ask specifically what equipment promotions are currently running β€” deals of 25–60% off equipment appear regularly, and a free Nest Doorbell is sometimes included with larger packages. Getting a better deal takes one phone call and about five minutes of polite pushback.

πŸ“Š ADT vs. Ring vs. SimpliSafe vs. Vivint β€” Side by Side
πŸ”’ ADT (Pro Install)
$44–$60/mo
6 owned monitoring centers Β· Professional install Β· 36-mo contract Β· Google Nest cameras Β· 150+ yr track record Β· 75% ETF if cancelled early Β· AARP discount available
πŸ“¦ Ring Alarm
$10–$20/mo
DIY install Β· No contract Β· Amazon-backed Β· Monitoring starts at $10/mo Β· Most popular brand by users (36% market share) Β· Integrates with Alexa Β· Third-party monitoring center
🟦 SimpliSafe
$18–$32/mo
DIY install Β· No contract Β· Monitoring from $18/mo Β· No early termination fee Β· Strong indoor camera options Β· Lower total cost than ADT over 3 years Β· Good for renters
πŸ”΅ Vivint
$50–$80+/mo
Most expensive nationally Β· Professional install required Β· 60-month equipment financing Β· Most advanced smart home tech Β· Best if you want full home automation Β· Requires monitoring contract
πŸ”‘ ADT Self Setup (Blu)
$24–$40/mo
DIY install β€” no pro required Β· Month-to-month monitoring Β· ADT monitoring network (same 6 centers) Β· Lower equipment cost Β· Good middle path between Ring and Pro ADT
🏠 Cove Security
$17–$27/mo
DIY Β· No contract Β· Strong budget alternative Β· Not as well-known Β· Monitoring competitive with SimpliSafe Β· Worth comparing if ADT or SimpliSafe prices are too high
πŸ” Which Setup Is Right for Your Home?
I want professional installation and a trusted name β€” is ADT the right choice?
PRO INSTALL Β· HOMEOWNERS
For homeowners who want a professionally installed system they’ll never have to configure, troubleshoot, or think about β€” ADT is the benchmark. The technician comes to your home, surveys entry points and placement, runs wires where needed, programs the system, and walks you through operation before leaving. No YouTube tutorials, no drilling in the wrong spot, no pairing devices that won’t connect. The six owned monitoring centers β€” not contracted third parties β€” mean that when an alarm triggers at 2am, a trained ADT employee is evaluating your specific alarm, not an outsourced call center. Before signing, do three things: get competing equipment quotes from at least one other ADT-authorized dealer in your area (prices vary by dealer), ask specifically about the current equipment promotion, and read the cancellation clause carefully before signing. The 75% early termination fee is the biggest risk β€” if there’s any chance you’ll move, downsize, or change your mind within 36 months, factor that cost into your decision before committing.
πŸ”§ Professional install: technician handles everything πŸ›οΈ 6 owned monitoring centers β€” no third-party outsourcing πŸ“‹ Get 2+ installer quotes β€” prices vary by dealer ⚠️ Read the 75% ETF clause before signing
I’m a renter or might move in the next 2–3 years β€” should I get ADT?
RENTERS Β· MOVING RISK
A standard ADT Pro Install contract is a serious financial risk for renters or anyone who may move before 36 months. If you move to an area where ADT doesn’t service, or if your landlord won’t permit installation, you could owe hundreds of dollars in early termination fees even if the move is unavoidable. If you’re renting, the ADT Self Setup (Blu) line or a no-contract alternative like SimpliSafe or Ring is almost certainly the better choice. All three offer real professional monitoring β€” ADT’s own network in the case of ADT Blu, third-party professional centers for Ring and SimpliSafe β€” without the 36-month trap. Ring installs with adhesive and screws, moves in under an hour, and the monitoring plan pauses or cancels month-to-month. SimpliSafe’s sensors sit on door frames with included adhesive and pack into a shoebox for a move. If you’re a homeowner who moves frequently or owns a vacation property where seasonal use makes sense, the month-to-month flexibility of Ring or SimpliSafe beats the savings from ADT’s equipment discount over any contract period less than 3 years.
🚚 Moving risk: ADT Pro Install = up to $1,350+ ETF 🟦 Best for renters: SimpliSafe β€” no contract, no holes required πŸ“¦ Ring: sets up in under an hour, moves with you πŸ’‘ ADT Blu: month-to-month with ADT’s own monitoring network
I’m a senior or buying for an elderly parent β€” what should I know?
SENIORS Β· OLDER ADULTS
ADT’s professionally installed system has features that make it genuinely well-suited for older adults β€” particularly the keychain remote. This palm-sized device (it looks like a garage door opener) lets you arm and disarm the system, check status, and β€” most importantly β€” press a help button that contacts ADT’s monitoring center and dispatches medical, fire, or police assistance without needing a smartphone or remembering an app. For seniors who live alone, that single feature is worth more than all the smart home automation combined. The ADT+ app also allows adult children to check system status and receive alerts remotely. AARP members should claim the 30% equipment discount and 5% monitoring discount before signing β€” call 866-593-4472 and identify as an AARP member. Beyond home security, ADT also sells three separate medical alert systems (in-home landline, in-home cellular, and mobile on-the-go) β€” if both home security and personal emergency response are goals, managing both through one company simplifies billing and support calls. One honest caution: the 36-month contract is the same for seniors as for everyone else. If there’s any uncertainty about whether the home will remain the primary residence for three years β€” due to health changes, potential assisted living transition, or family relocation β€” discuss the cancellation terms carefully or consider a no-contract alternative.
πŸ”‘ Keychain remote: arm/disarm/help without a phone πŸ‘΄ AARP: 30% off equipment + 5% off monitoring β€” call 866-593-4472 πŸ₯ ADT medical alert systems: sold separately β€” one provider for both ⚠️ 36-mo contract: discuss if move to assisted living is possible
How do ADT security cameras work and how much do they cost to add?
CAMERAS Β· PACKAGES
ADT’s professional system uses Google Nest Cams β€” the same cameras sold at Best Buy and on Google’s website, integrated into ADT’s monitoring platform. The Google Nest Cam Indoor (wired) runs around $100–$130 as an ADT add-on; the Nest Cam Outdoor (wired) runs $130–$180; the Nest Doorbell runs $130–$200. To access the cameras’ full features β€” live view, event history, video verification for alarms, and cloud storage β€” you need the Video and Smart Home monitoring plan at roughly $54.99–$59.99/month. Adding cameras to a basic monitoring plan will let them record, but without the video monitoring tier you lose video verification (where ADT’s center watches your cameras before dispatching police) and some cloud storage features. One important note: ADT’s monitoring plan does not automatically include a Google Nest Aware subscription β€” if you want the full Nest AI features like familiar face detection and extended video history, you’d also pay Google separately for Nest Aware ($6–$12/month). Budget this in when comparing ADT’s camera system to Ring’s, where all camera features are included in the $10–$20/month Protect plan.
πŸ“· ADT cameras: Google Nest Cams β€” professional grade πŸŽ₯ Video features: require Video & Smart Home tier ($54.99+/mo) πŸ’‘ Nest Aware: Google charges separately for full AI features πŸ”„ During promos: Nest Doorbell sometimes included free β€” always ask
What are the hidden costs most ADT customers discover too late?
HIDDEN FEES Β· WATCH OUT
The four costs most ADT customers don’t fully account for before signing are the early termination fee, mid-contract rate increases, false alarm fines, and automatic renewal. The early termination fee β€” 75% of remaining monthly charges β€” is disclosed but often underestimated. On a $49.99/month plan with 24 months left, that’s $899.82. Mid-contract rate increases are buried in ADT’s contract language: ADT can raise your monthly rate during your agreement, and customers who signed at a promotional $35/month sometimes find themselves paying $50+ within a year or two. False alarm fines are charged by local municipalities β€” not ADT β€” when monitoring centers dispatch police to a false alarm. Fees range from $50 to $500 depending on your city, and many cities fine homeowners after the second false alarm in a calendar year. This is especially relevant for households with pets, active children, or older sensors that may trigger accidentally. Finally, when your 36-month contract ends, ADT automatically continues service on a month-to-month basis until you call to cancel. Many customers discover they’ve been paying for years beyond their intended commitment simply because no one called to stop the renewal.
πŸ’° ETF: 75% of remaining balance β€” calculate before signing πŸ“ˆ Mid-contract rate increases: allowed under ADT’s contract terms 🚨 False alarm fines: billed by your city, not ADT β€” avg $50–$500 πŸ”„ Auto-renewal: call to cancel or it continues past your 36 months
Does home security actually reduce break-ins β€” is it worth having at all?
DOES IT WORK Β· BURGLARY STATS
The research consistently says yes β€” and the deterrent effect begins before any alarm ever sounds. According to studies cited by the Alarm Industry Research and Education Foundation, 60% of convicted burglars said they would actively seek a different target if they spotted a security system sign or camera before approaching a home. Only 13% of burglars said they would continue an attempted break-in after discovering an alarm in progress. ADT’s own data on burglary patterns shows that most residential break-ins happen between 10am and 3pm β€” not at night β€” when homeowners are away, and that front doors (34%) and back doors (22%) are the most common entry points. A monitored alarm system addresses all of these: the visible signage deters before entry, the sensors detect if entry is attempted, and the monitoring center dispatches help if an alarm is triggered. In the U.S., residential burglaries have declined substantially over the past decade β€” by roughly 50% since their peak β€” and experts credit multiple factors including increased home security adoption. The caveat: police solve very few burglary cases after the fact (clearance rates run only 10–14%), meaning a security system’s primary value is deterrence and interruption, not evidence collection. A camera doesn’t usually get your stuff back. But it does help stop a break-in before it fully happens β€” which is the outcome that matters.
πŸ›‘ 60% of burglars target a different home if they see an alarm sign πŸ•™ Most break-ins: 10am–3pm β€” daytime when you’re away πŸšͺ Top entry points: front door (34%) and back door (22%) πŸ“‰ Burglaries down ~50% since peak β€” security adoption is part of the reason
πŸ“ Find ADT Dealers & Home Security Help Near You

Use the buttons below to find ADT authorized dealers, compare local alarm companies, find locksmith services, and locate electronics stores selling Ring and SimpliSafe equipment nearby. Always get at least two quotes before signing with any alarm company.

Searching near you…
πŸ”‘ Quick Reference β€” ADT Key Contacts & Links
πŸ“ž ADT main line: 800-238-2727 πŸ“ž ADT cancellation: 800-238-2727 πŸ‘΄ AARP ADT discount: 866-593-4472 🌐 ADT website: adt.com πŸ“± ADT app: ADT+ (App Store / Google Play) 🟦 SimpliSafe alternative: simplisafe.com πŸ“¦ Ring alternative: ring.com ☎️ File a complaint: consumerfinance.gov/complaint πŸ›οΈ BBB profile: bbb.org (search “ADT”) πŸ” IIHS home security research: iihs.org
βœ… 5-Step Checklist Before Signing With ADT
  • Step 1: Compare the ADT Self Setup (Blu) line against the Pro Install line. If you’re comfortable with DIY and want flexibility, the month-to-month Blu plan gives you ADT’s monitoring network without the 36-month trap.
  • Step 2: Get at least one competing quote from a local ADT-authorized dealer β€” prices vary significantly by installer, and the equipment promotional discounts (sometimes 25–60% off) are not automatic. Ask what’s currently on sale.
  • Step 3: Before signing, calculate the early termination fee at the 12-month mark and the 24-month mark. If either number would be a financial hardship, consider SimpliSafe or Ring instead.
  • Step 4: AARP members: do not sign without calling 866-593-4472 to apply the 30% equipment discount and 5% monitoring discount. It takes one phone call.
  • Step 5: After signing, contact your home insurance company. A professionally monitored alarm typically earns a 5–20% discount on your homeowner’s insurance premium β€” enough to offset $5–$15/month of ADT’s monitoring cost every single month.
πŸ“Œ The One Thing That Saves the Most Money With ADT

The biggest ADT savings aren’t from promotions or negotiation β€” they come from calling your home insurance company after installation. A professionally monitored alarm system typically earns a 5–20% homeowner’s insurance discount. On a $1,800/year insurance premium, that’s $90–$360 per year saved β€” equivalent to 2–7 months of free monitoring. Most customers never make this call. It takes five minutes and often produces the most consistent long-term financial return of any step in this entire guide.

ADT pricing, package contents, contract terms, promotional offers, and cancellation policies are set by ADT Inc. and authorized dealers and change frequently. Prices shown in this guide reflect current U.S. rates widely reported as of the date of publication and may not reflect your specific location, installer pricing, or active promotions. Always confirm your exact pricing and contract terms directly with ADT or an authorized dealer before signing. This page has no affiliation with ADT Inc., Ring, SimpliSafe, Vivint, or any home security provider.

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