Does auto insurance cover tire theft?
Auto insurance does cover stolen tires if you have comprehensive coverage. This type of coverage pays for damages to your vehicle not related to an accident. Learn how to get your tires covered so you're not stuck paying for new ones out of pocket.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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It’s a nightmare scenario: You walk out to your car to go to work or run errands and you find all four of your tires missing and your vehicle on concrete blocks. To say this situation is 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. And, of course, you have no way to drive to a local tire shop. If imagining this unfortunate experience has you wondering what to do when your tires are stolen and whether or not insurance covers stolen tires, read on to learn more. Since you probably would rather not be on the hook to replace your tires, you may wonder if you can file a claim for stolen tires with your car insurance company. Fortunately, auto insurance typically covers tire theft 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. Enter your ZIP code below to view companies that have cheap auto insurance rates. If you want to guard against stolen tires or other types of theft, you’ll need comprehensive insurance. Comprehensive car insurance will cover damages to your car that happen in situations not involving a collision. This includes damages from a tree falling on your car during a storm, vandalism, and even theft. Since stolen tires are a type of theft, filing a comprehensive car insurance claim should cover the cost of replacing them. If the crooks also took your wheels, comprehensive insurance should also cover this loss. 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. The first thing you should do is 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. 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 to give a copy to your agent. Enter your ZIP code below to view companies that have cheap auto insurance rates. Don’t wait until you find a tire-less vehicle in your driveway to determine if your car insurance covers tire theft. As with many things in life, a proactive approach is best to be sure you understand your car insurance policy. If you’re concerned about tire theft, 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. Does comprehensive coverage for tire theft include coverage for stolen rims or wheels? Yes, comprehensive coverage generally includes coverage for stolen rims or wheels along with stolen tires Are snow tires or specialty tires covered in case of theft? Yes, snow tires and specialty tires are typically covered under comprehensive insurance in the event of theft. Does comprehensive coverage for tire theft have any limitations or exclusions? It’s important to review your policy for any limitations or exclusions specific to tire theft coverage. Your insurance provider can provide detailed information on the coverage terms. Will filing a claim for stolen tires affect my insurance premium? Filing a claim for stolen tires may affect your insurance premium. It’s best to consult with your insurance provider to understand how filing a claim could impact your rates. Are rental car tires covered if they get stolen? Rental car tires are generally not covered under your personal auto insurance policy. Rental companies typically offer separate insurance coverage options for tires and other damages. Are there any preventive measures or discounts available to reduce the risk of tire theft? While auto insurance policies do not directly offer discounts for preventive measures against tire theft, certain anti-theft devices or security measures, such as wheel locks or alarms, may help deter theft and potentially lower your overall insurance premium. Enter your ZIP code below to view companies that have cheap auto insurance rates. Justin Wright Licensed Insurance Agent Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate.
In 2020, Justin began working as an i... Licensed Insurance Agent Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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