Does Insurance Cover Stolen Cars?

Updated October, 2020
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Comprehensive insurance covers stolen cars; however liability and collision coverage don't. Add this coverage to your auto insurance policy to get protection from car theft and be eligible to make a claim.

Is theft covered by my auto insurance?

You can't make a claim for a stolen car with collision or liability coverage. The only auto policy that covers the theft of your vehicle is comprehensive insurance.

If you only have your state's minimum coverage, you're not protected. Upgrade to full coverage or add comprehensive insurance as an additional policy to have protection from car theft.

What is covered by comprehensive auto insurance?

Comprehensive coverage includes many surprise events, including:

Civil disobedience: Someone breaks the law and vandalizes or steals your car.

Explosions and fire: Damage caused by flames and explosions are covered.

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 or cracked windows

Natural disasters: Severe natural events such as hurricanes, earthquakes, and floods.

Terrorism: Damage resulting from a terrorist attack.

Weather-related incidents: Damage caused by hail, heavy rain, or any other extreme weather

How much does comprehensive coverage cost?

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

Purchase full coverage (comprehensive, liability, and collision insurance) to get even more protection.

Progressive provides you with full insurance for an average of $2,393 per year. Contact Progressive to get your quote, today!

How to make a stolen vehicle insurance claim (5-step guide)

Follow these 5 steps to make your stolen vehicle claim:

  1. Call the police the second you realize that your car is stolen to report the crime. The search to recover your stolen vehicle begins once you notify the police.
  2. Go to the police station to fill out your 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. Insurance companies don't immediately file claims for stolen cars because your car may be recovered by the police investigating your theft. Wait at least 30 days before you start the process of receiving your insurance payout.
  5. Be prepared for extensive investigation from your insurance company as stolen car claims are looked at very carefully. Expect recorded conversations with your insurance adjuster. The most frequently asked questions are:
  • What date and time did your car get stolen?
  • What's the year, make, model, and mileage of your stolen vehicle?
  • Where was your car parked when it got stolen?
  • Have you filed a police report?

Your total loss claim

If your claim is made, the 30 days are up, and there's still no trace of your car, your insurance company files a total loss claim. You're required to speak with your insurance adjuster about the current market value of your vehicle.

Once this amount is agreed upon, you sign over your title and receive your insurance payout, minus your deductible. If you've got a lienholder, get them to sign off the title to your insurance provider.

Unfortunately, the amount you're reimbursed is not a penny over what your car is worth, so don't expect an upgrade.

Your title's owned by your insurance company, so if your car's recovered, it belongs to your insurer.

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 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 is covered is the vehicle itself. Get homeowners or renters insurance to have coverage for stolen goods.

How do I get the best coverage for a stolen car?

To get the best deals on comprehensive coverage, fill in our form below. Get instant quotes tailored to your needs - fill out our short form, today!

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