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Key TakeAways

What is a Car Sound System insurance?

Sound system insurance covers modified sound systems, which is a policy add-on. Theft of audio equipment is unfortunately not uncommon. Coverage like this will help ensure you don't have to foot the tab for a possibly pricey replacement.

A few things are as important when making a car stand out as a high-quality audio system. A bland 2012 Chevy Malibu can transform into the most sought-after car in the area.

The dangers that come with this kind of notoriety are numerous. Many people are impressed by your stereo system and know you have it. In part because of this, car stereos are frequently targeted for theft. That's also why you might want to consider getting it insured.

What does car Audio Insurance include?

Sound systems are typically covered under the terms "basic auto insurance," "comprehensive insurance," or "collision insurance" if you haven't made any alterations to them.

Vandalism and natural disasters are covered under comprehensive coverage. However, you are covered under collision coverage if your stereo is damaged or shattered in an accident. Even if the sound system is pre-installed in a new car, some insurers may not cover it within the policy's basic limits. So check your policy's specifics to be sure you're covered in the event of an accident.

Your car's market value is considered when calculating your insurance premiums. Therefore, if you buy a new sound system that significantly increases the worth of your car, you will need to acquire additional insurance.

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How much does Sound System insurance cost?

If your sound system costs more than your insurance deductible, you're an excellent candidate for sound system coverage. However, in the event of an accident or theft, if you opt not to insure your car's aftermarket sound system, you may not be able to get your money back.

Each provider's price for sound system insurance is different. An insurance premium is directly proportional to what a sound system is worth.

It's crucial to be honest with an insurance agent about the worth of your sound system to guarantee that you receive enough compensation if you ever have to file a claim.

Car Insurance Companies with best Sound System Insurance


In addition to being offered in every state, Progressive's supplementary coverage also extends to custom car parts. The insurance company covers painting, audio and visual systems, grills, and spoilers. The insurance rates and deductibles are higher with comprehensive coverage because of the greater risk.

Progressive can insure only cars worth less than $150,000. It will cost you $1,000 for bespoke parts and equipment/accessory for car changes. Every audio system upgrade that costs more than $1,000 must be accompanied by supplementary insurance.

Your new sound system and installation fees will necessitate $4,000 in additional insurance coverage.


Clearcover is a virtual insurance business that provides comprehensive collision coverage. This artificial intelligence (AI) app is used to assist in obtaining the necessary coverage. Theft, vandalism, the elements, and damage from natural disasters are all included in this policy. However, new cars are not included in this data set.

There are six states in which it provides services: Arizona, California, Illinois, Louisiana, Ohio, Texas, Utah, and Wisconsin. By purchasing this policy, drivers can save anywhere from $300 to $1,000 a year.

In this scenario, a $2,000 repair bill for an audio system is only half Clearcover's pay.


In addition to comprehensive collision coverage, AARP offers policies in every state and the District of Columbia. Your deductible is $500, and the repair costs for your audio system are $1500; AARP will cover $1000 of the charges, and you will pay $500 out of pocket.


As far as we know, there's no state where Allstate isn't offered. Allstate provides the standard audio insurance coverage for your equipment. .

Does changing you car stereo affect insurance?

A new stereo and sound system by itself will not invalidate your auto insurance, but failing to notify your insurer of the change could.

Before making a major purchase like an audio system, it's always a good idea to check with your insurance provider. Ask them to get a better idea of the impact on your premium. It could be as high as 10%.

If you ask your insurance carrier to include it, you'll get it. They only need a brief description of what you have and how much it is worth, and then they can add it to your current policy as an afterthought.

You may be required to provide an appraisal if the value is above average.

Having portable equipment implies that your auto policy must include personal goods coverage (ask your company for this endorsement), or you must have a homeowners or renter's policy that covers this type of apparatus.

It's not uncommon for custom parts and equipment coverage to cost less than the total cost of the audio gear you purchase. It's possible to get basic coverage for custom parts and equipment from some companies.

Most of the time, it's not much more than $3,000 or so.

Calling your insurance provider and requesting this coverage is all you need to do. In some cases, the insurance company will not cover the additional equipment. As a result, it may be time to rethink your purchase or look for a new provider who can meet your needs.

You'll need to find a different insurance company to get your stereo system covered. It's important to make arrangements for replacement insurance before canceling your current one.

Start the new insurance and then cancel the old one. If satisfied, they'll cover your equipment for the full amount it's worth. Don't leave yourself with a void in your protection.

Will installing an aftermarket sound system impact my existing insurance?

Installing a high-end audio system aftermarket might significantly impact the cost of your auto insurance. Not only may an aftermarket sound system boost the value of your car, but it can also increase your car's vulnerability to burglary.

As a result, those characteristics could lead to higher premiums for your coverage.

Depending on the insurer, your new sound system may not be covered at all. So it's a good idea to check with your insurance carrier before making any modifications to your car, just in case.

How to file a claim for a stolen stereo?

You can make a claim in person, online, or over the phone, just a few options. Whatever method you choose to use to get in touch with your insurance provider, ensure you do so as soon as the occurrence occurs.

To get the best compensation, provide your:

  • Insurance Details
  • Car's location
  • Circumstances surrounding its damage
  • Damage or theft of any additional components

For the most part, firms will pay you for the cost of stereo repairs or replacements after receiving a receipt.

Sound System Coverage Deductibles

Don't forget to budget for a deductible. Depending on the damage and the resulting expenses, filing a claim might not be worth it. It's more expensive to file a claim than to pay for the repair out of pocket if, for example, your deductible is $700 and a new stereo costs only $500.

Therefore, before submitting an insurance claim, you should receive an estimate for repairing or replacing your audio system.

Other damages that may be covered if your Sound System is stolen

It is possible to file a claim under your sound system coverage if your car was damaged in any other way because of the theft of your sound system.

For example, a burglar could have also damaged your car's locks and wiring. As a result, filing a claim with your insurance company may be worth your while in the long run.

Additional damage to your car caused by the theft of your sound system may not be covered by your policy, depending on the specifics. That implies you may have to pay two deductibles to repair your car.

Because of this, you must ensure that your policy add-ons are compatible with your existing auto insurance to avoid being left without coverage in case of a claim.

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It is possible to guarantee the safety of your car audio system in the event of theft, natural catastrophes, accidents, or destruction. However, insurance policies may not always cover changes to a car. For a policy to be authorized, it must meet certain conditions.

Before modifying your car's audio system, you should contact your insurance company. Aside from determining whether or not you are eligible, the insurance company assures that whatever improvements you make will be covered.

Although the process may be time-consuming, it is essential because alterations affect the car's worth. According to the new equipment quality, installation service, and modifications, a car's value increases or decreases.

How to get car sound insurance with

There are a plethora of options for insurance coverage. However, this task might be overwhelming, especially if you don't know where to begin. Let's face it: Who has the time to go through all of the insurance options that are currently available?

All of your insurance needs are thoroughly analyzed by We will then recommend several excellent coverage options for you every year. At, we have your back.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


How does insurance handle a stolen car?

A stolen car can only be covered if you have comprehensive coverage on your car insurance policy. If your car is stolen and you cannot retrieve it, this policy will reimburse the car's real cash worth. A deductible is an amount you must pay before your insurance company covers the rest of the claim.

Do you need special insurance coverage if you install stereo or audio equipment?

In most cases, the answer is no. Most standard motor insurance policies do not automatically cover custom parts and equipment, including stereo and audio systems.

Do I need sound system coverage?

If you have an aftermarket sound system, your ordinary auto insurance policy is unlikely to cover it. In addition, if your sound system is stolen, vandalized, or damaged in an accident, you will be responsible for the repair or replacement costs.

Are subwoofers covered by insurance?

Only factory-installed stereo systems are covered by comprehensive coverage. Your insurance carrier may not cover aftermarket radio installation fees and aftermarket parts if you have an aftermarket stereo installed in your car.

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