Does auto insurance cover tire theft? (2025 Coverage Details)

Does auto insurance cover tire theft? Tire theft will only be covered under your auto insurance policy if you have comprehensive coverage and file a comprehensive auto insurance claim. 

To say stolen tires are a massive hassle is a bit of an understatement. In addition to being undrivable, you now must arrange to have four tires put back on your vehicle. 

If imagining this unfortunate experience has you wondering what to do if your tires get stolen and whether or not insurance covers stolen tires, read on to learn more. Compare rates today with our free tool to find cheap comprehensive insurance in your area. 

Auto Insurance Coverage That Covers Tire Theft

Since you probably would rather not be on the hook to replace your tires, you may wonder if you can claim tires on insurance. Fortunately, car insurance does cover you if your car tires were stolen if you have the correct type of policy in place.

For example, suppose you only have the minimum liability insurance your state requires or only have that plus collision insurance. In that case, you will only be covered for property damage and injury if your vehicle is involved in a car accident.

Comprehensive car insurance will cover damages to your car that happen in situations that do not involve a collision. This includes damages from a tree falling on your car during a storm, vandalism, and even tire theft. 

Since stolen tires are a type of theft, filing an insurance claim about stolen tires under your comprehensive coverage should cover the cost of replacing them (Learn More: How to File an Auto Insurance Claim). If the crooks also took your wheels, comprehensive insurance should also cover this loss.

Take a look at how much comprehensive coverage costs by state on average below.

Comprehensive Auto Insurance Monthly Rates by State

Keep in mind that your deductible will determine how much you will have to pay out of pocket to replace your tires. If you have a low deductible and expensive tires, your car insurance policy should cover most of the replacement cost. However, if you have a $1,000 deductible and the tires cost $750, you’ll have to pay for the new tires out of pocket.

Replacing four stolen tires can be a costly expense. According to Consumer Reports, the average cost for one tire is $167, or $668 for a full set of four. Of course, these prices will vary greatly depending on how large your tires are and what type of vehicle you drive. For instance, an all-season 15-inch tire made for sedans costs less than a 20-inch tire for a pickup truck or SUV.

What to do if Your Car Tires are Stolen

The first thing you do if your car is missing tires is to call the police. It’s important to get an officer to your home or workplace to file a police report. You should also take some photos with your phone to have on hand, as this will help back up your claim that your tires have been stolen.

Read More: Can I file an insurance claim without a police report?

Once the police report is ready, ask for a copy so you can present it to your insurance company along with the photos. Also, when you go to purchase new tires, be sure to keep the receipt and give a copy to your agent.

Making Sure Your Car Insurance Covers Tires From Theft

Don’t wait until you find a tireless vehicle in your driveway to determine if your car insurance covers tire theft. As with many things in life, it’s best to take a proactive approach to ensure you understand how to manage your auto insurance policy to get the right coverage. 

If you’re concerned about tire theft and want insurance for tires, contact your insurance agent to go over your policy to ensure that you have comprehensive insurance and be at least partially covered if criminals swipe your tires and/or your wheels. Shop for affordable comprehensive insurance policies today with our free quote comparison tool.