Does Insurance Cover A Stolen Car If Keys Are Left Behind?

Updated October, 2020
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Yes, comprehensive insurance covers your stolen car if keys are left behind. This insurance policy includes car theft, among many other things. Upgrade your basic auto insurance policy to full coverage to have this protection.

What does comprehensive insurance cover?

Comprehensive coverage protects you from surprise accidents and events, including:

  • Civil disobedience: Someone breaks the law and vandalizes or steals your car.
  • Explosions and fire: Damage caused by flames and explosions.
  • Damage from animals: An animal runs into your car.
  • Falling objects: An object falls onto your vehicle (e.g., tree branch or pole)
  • Glass damage: Broken windows and cracks.
  • Natural disasters: Natural disasters such as hurricanes, earthquakes, and floods.
  • Terrorism: Damage from a terrorist attack.
  • Weather-related incidents: Damage caused by severe weather

How much does comprehensive coverage cost?

The average cost for comprehensive coverage is $121 a month.

To get even more protection, buy full coverage (liability, collision, and comprehensive insurance). On average, it costs $2,390 per year ($200 per month) for this policy.

Progressive provides full coverage at a competitive average rate of $2,393 per year. Contact Progressive to get an easy quote, today!

Deductibles on comprehensive coverage

The cost of your deductible is pre-determined when you buy your auto insurance policy.

To get this policy with zero deductibles, you're charged an additional fee. Ask your insurance provider about this option if you want to remove deductibles.

How to make a stolen vehicle insurance claim (4-step guide)

  1. Call your local police as soon as you realize that your car is stolen.
  2. Go to the police station to fill out an official report.
  3. Call your insurance provider to notify them about your stolen car. Confirm that you've got comprehensive coverage in your auto insurance policy.
  4. Be prepared for extensive investigation from your insurance company. Stolen car claims are looked at very carefully by insurers.  The most frequently asked questions are:
  • What was the date and time did your car get stolen?
  • What is the year, make, model, and mileage of your stolen vehicle?
  • Where did your car get stolen from?
  • Have you filed a police report?

Insurance companies don't immediately file claims for stolen cars because your car might be recovered by the police investigating your theft. Wait at least 30 days before you start the process of receiving your insurance payout.

Settling your total loss claim

Your insurance company files a total loss claim if 30 days go by with no trace of your car. You're required to speak with your insurance adjuster about the current market value of your vehicle.

If you've got a lienholder, get them to sign over your car's title to your insurance provider.

Once your car's market value is agreed upon, you receive your insurance payout, minus your deductible. Unfortunately, this amount isn't a penny over what your vehicle is worth, so don't expect an upgrade.

When your insurance claim gets settled, you no longer have ownership over your stolen car. If your vehicle gets recovered, it belongs to your insurance company.

3 things to consider about making a stolen car claim

  • You can buy back your car from the insurance company if it's recovered.
  • If it's found that you've faked your claim for any reason, you face jail time.
  • Valuables in your stolen car aren't covered by your auto insurance. The only item that's covered is the vehicle itself. Consider getting renters or homeowners insurance to have your personal property covered.

Get the best car theft coverage, now!

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Call an insurance expert
Our team will help you find the lowest insurance prices.
866-996-3156