{"id":231,"date":"2026-04-24T09:54:18","date_gmt":"2026-04-24T09:54:18","guid":{"rendered":"https:\/\/www.way.com\/insurance\/guide\/?p=231"},"modified":"2026-04-24T09:54:32","modified_gmt":"2026-04-24T09:54:32","slug":"does-car-insurance-cover-theft","status":"publish","type":"post","link":"https:\/\/www.way.com\/insurance\/guide\/does-car-insurance-cover-theft\/","title":{"rendered":"Does car insurance cover theft?"},"content":{"rendered":"<p style=\"text-align: center;\"><em><span style=\"font-weight: 400;\">Car theft is a serious crime, and it can happen to anyone. While having your car stolen is quite disheartening, your <\/span><span style=\"font-weight: 400;\">auto insurance<\/span><\/em><span style=\"font-weight: 400;\"><em> should cover it, right?<\/em>\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Well, the answer is not as simple as you&#8217;d think. While car insurance can cover theft, it ultimately depends on the kind of insurance coverage you&#8217;ve got. According to a study conducted by the <\/span><a href=\"https:\/\/www.nicb.org\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">National Insurance Crime Bureau<\/span><\/a><span style=\"font-weight: 400;\"> (NICB), auto theft increased significantly in 2020 compared to 2019. The NICB reported 873,080 auto thefts in 2020, a 9.2% jump over the previous year&#8217;s total of 799,644 thefts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Since the likelihood of your car being stolen is greater than ever in the last decade, it is important to protect your car at all costs. While there are several ways to keep your car protected from thieves, getting <\/span><span style=\"font-weight: 400;\">car insurance<\/span><span style=\"font-weight: 400;\"> is probably the best way to safeguard your assets.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.way.com\/insurance\/guide\/does-car-insurance-cover-theft\/#Does_car_insurance_cover_car_theft\" >Does car insurance cover car theft?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.way.com\/insurance\/guide\/does-car-insurance-cover-theft\/#What_does_comprehensive_car_insurance_cover\" >What does comprehensive car insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.way.com\/insurance\/guide\/does-car-insurance-cover-theft\/#How_much_does_comprehensive_insurance_cost\" >How much does comprehensive insurance cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.way.com\/insurance\/guide\/does-car-insurance-cover-theft\/#What_to_do_if_your_car_is_stolen\" >What to do if your car is stolen<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.way.com\/insurance\/guide\/does-car-insurance-cover-theft\/#How_will_auto_insurance_cover_you_for_a_stolen_car\" >How will auto insurance cover you for a stolen car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.way.com\/insurance\/guide\/does-car-insurance-cover-theft\/#What_happens_if_your_car_is_retrieved_following_a_claim\" >What happens if your car is retrieved following a claim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.way.com\/insurance\/guide\/does-car-insurance-cover-theft\/#Consider_gap_insurance_for_additional_car_insurance_cover\" >Consider gap insurance for additional car insurance cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.way.com\/insurance\/guide\/does-car-insurance-cover-theft\/#Tips_to_prevent_car_theft\" >Tips to prevent car theft<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Does_car_insurance_cover_car_theft\"><\/span><span style=\"font-weight: 400;\">Does car insurance cover car theft?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you want coverage for car theft, you&#8217;ll need to supplement your auto insurance policy with <\/span><span style=\"font-weight: 400;\">comprehensive coverage<\/span><span style=\"font-weight: 400;\">. Comprehensive car insurance also covers vandalism, fires, <\/span><span style=\"font-weight: 400;\">floods<\/span><span style=\"font-weight: 400;\">, hail, falling items, and animal collisions. You probably have car insurance if you&#8217;ve financed or leased your car.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_does_comprehensive_car_insurance_cover\"><\/span><span style=\"font-weight: 400;\">What does comprehensive car insurance cover?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you have comprehensive car insurance and your car is stolen, your insurance policy will help replace your car. You could even receive compensation for parts stolen from your cars, such as a catalytic converter or your wheel rims. However, it does not cover parts that have been added later on, such as an aftermarket sound system.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Comprehensive car insurance will also help you repair any damage caused by an attempted break-in, such as smashed windows and broken door locks. In the event of a claim, you will be asked to pay a <\/span><a href=\"https:\/\/www.way.com\/blog\/what-is-a-deductible-in-car-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">deductible<\/span><\/a><span style=\"font-weight: 400;\"> before your coverage can kick in. For example, if you have a $1000 deductible and your car is worth $8,000, you would receive a check for $7000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unfortunately, comprehensive insurance does not cover personal items stolen from your car. For example, if your phone or laptop is stolen from your car, your comprehensive insurance will not cover the cost of replacing it.\u00a0<\/span>However, most\u00a0renters&#8217;\u00a0or\u00a0homeowners&#8217; insurance policies cover stolen property.<\/p>\n<p><a href=\"https:\/\/www.way.com\/blog\/all-you-need-to-know-about-rental-car-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Rental car expenses<\/span><\/a><span style=\"font-weight: 400;\"> are another aspect that comprehensive insurance does not cover. Because you will be without a car until your claim is handled, it may be worthwhile to add rental reimbursement insurance to your auto policy.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_much_does_comprehensive_insurance_cost\"><\/span><span style=\"font-weight: 400;\">How much does comprehensive insurance cost?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">According to the most recent data from the National Association of Insurance Commissioners, the average cost of comprehensive insurance is around $160 per year.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_to_do_if_your_car_is_stolen\"><\/span><span style=\"font-weight: 400;\">What to do if your car is stolen<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Finding out your car has gone missing can be a stressful experience. However, being calm will help you figure out what to do next.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Contact the authorities as soon as possible and submit a police report. Make sure to include details such as your car&#8217;s year, make, and model, as well as its last known location and VIN (vehicle identification number). Once the authorities have all of the essential information, they will start looking for the stolen car.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After you&#8217;ve contacted the authorities, you should call your car insurance carrier. Even if your policy does not cover automobile theft, telling your insurer that the car is gone can keep you from being held accountable for any damage caused by the thieves.\u00a0<\/span><span style=\"font-weight: 400;\">We also recommended that you contact your lender if you financed your vehicle.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_will_auto_insurance_cover_you_for_a_stolen_car\"><\/span><span style=\"font-weight: 400;\">How will auto insurance cover you for a stolen car?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Obtaining compensation for a stolen vehicle might be difficult. Many insurers impose a minimum waiting period of 30 days after the theft before processing the claim for the stolen car.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your car is stolen, you will have to file a total loss claim with your insurance company. This means you&#8217;ll work with your insurance company to come up with an amount (without a deductible) that will be paid out to you after the car is determined to be stolen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Provide any maintenance and repair receipts to receive an appropriate reimbursement amount. This will aid in justifying the upkeep and condition of your vehicle before the theft.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_happens_if_your_car_is_retrieved_following_a_claim\"><\/span><span style=\"font-weight: 400;\">What happens if your car is retrieved following a claim?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If your vehicle is found following a claim, comprehensive coverage will still cover any damages that occurred while it was stolen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, when it comes to a total loss claim, things become more complicated. A total loss claim requires you to turn over the title of the missing car to the insurance company. Hence, the car will not be yours when it is recovered.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have not used the settlement sum to purchase a replacement vehicle, it may be as simple as returning the claim amount. Since every circumstance is unique, you&#8217;ll have to figure something out with your insurance company.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Consider_gap_insurance_for_additional_car_insurance_cover\"><\/span><span style=\"font-weight: 400;\">Consider gap insurance for additional car insurance cover<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Your insurance company could remove the amount of depreciation from the compensation you receive for replacing a stolen car. This is known as paying out the actual cash value, or ACV. If you&#8217;re concerned about this, especially if you owe money on your car&#8217;s lease or loan, it would be a good idea to look into <\/span><span style=\"font-weight: 400;\">gap insurance<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Gap insurance, which is usually rather inexpensive to add to your policy, will pay the difference between the real cash value of your car and the amount you still owe on it. Car owners do not require gap insurance by law. However, if you owe more on your car than its current worth, or if your car depreciates quickly, gap insurance can be a beneficial form of coverage for you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Just keep in mind that certain insurance companies have limits on how much they will pay out to cover a &#8220;gap.&#8221; When purchasing gap insurance, consult with your insurer to ensure that you&#8217;re getting coverage that meets your needs.<\/span><\/p>\n<p>Searching for the best car insurance quotes to keep your car protected at all times? Tap the banner below to use our car insurance tool to get free quotes in under 10 minutes!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tips_to_prevent_car_theft\"><\/span><span style=\"font-weight: 400;\">Tips to prevent car theft<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are various steps you may take to lessen the likelihood of a thief stealing your car. The National Insurance Crime Bureau (NICB) suggests a multi-pronged approach:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Common sense is the first line of defense. A few easy steps could make it difficult for burglars to steal your car. These include<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Lock your doors.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Remove your keys from the ignition.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Keep your windows closed.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Park your vehicle in well-lit areas.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Use a visible or audible anti-theft device.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Lock the steering wheel\/brake pedal.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Install an immobilizer on your vehicle.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Get a pair of smart keys.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Buy a tracking system.<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Car theft is a serious crime, and it can happen to anyone. While having your car stolen is quite disheartening, your auto insurance should cover it, right?\u00a0 Well, the answer is not as simple as you&#8217;d think. While car insurance can cover theft, it ultimately depends on the kind of insurance coverage you&#8217;ve got. According&hellip; <a class=\"more-link\" href=\"https:\/\/www.way.com\/insurance\/guide\/does-car-insurance-cover-theft\/\">Continue reading <span class=\"screen-reader-text\">Does car insurance cover theft?<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":234,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18],"tags":[],"class_list":["post-231","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-coverage-explained","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Does car insurance cover theft?<\/title>\n<meta name=\"description\" content=\"Car theft is a serious crime that can affect anyone. 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