Does car insurance cover stolen tires?

Did your tires get stolen recently? Does auto insurance cover stolen tires? In specific situations, you can use your car insurance coverage to cover the cost of stolen tires.

Read through this short guide to learn how to use car insurance to cover stolen tires. You’ll also have a chance to explore how to compare car insurance that provides coverage for stolen car parts.

Before you buy car insurance that covers stolen tires, enter your ZIP code in the free online quote tool above to compare affordable auto insurance quotes from multiple companies near you.

Does car insurance cover stolen wheels?

In certain situations, comprehensive auto insurance can pay for the cost of stolen tires. Liability and collision coverage won’t pay for stolen wheels. See the best collision coverage car insurance companies.

However, uninsured motorist coverage can help you recover if your vehicle is stolen altogether. See the best uninsured motorist coverage car insurance companies for more information.

Comprehensive car insurance pays for accidental damage that doesn’t involve a collision.

Does Progressive cover stolen wheels? The short answer is yes.

Progressive provides a check that’s equal to the car’s market value if your wheels are stolen. However, you’ll need to have comprehensive coverage attached to your Progressive auto insurance policy for coverage to apply. 

Continue reading to get answers to frequently asked questions related to stolen tires.

Read more: Does my car insurance cover a stolen car?

What to Do When Your Tires are Stolen

Suppose your tires were stolen recently. Don’t panic. Follow these steps and learn how you can get coverage for stolen wheels.

• Step #1 – Always file a police report first. Here’s how.
• Step #2 – Report your stolen wheels to your car insurance company
• Step #3 – Verify that you have comprehensive coverage
  • Step #3a – If you have comprehensive coverage, file a claim
  • Step #3b – If you don’t have comprehensive coverage, you may have to cover the cost of the stolen wheels
• Step #4 – Go to the shop where you bought your tires and rims and get an estimate or receipt
• Step #5 – Present your estimate to the car insurance company
• Step #6 – Wait for your auto insurance company to process your claim
• Step #7 – Receive your claim, purchase the wheels, and have them installed

Car insurance companies tend to increase comprehensive coverage rates in areas with higher than average property crimes. However, comprehensive coverage is worth the investment.

What if my car insurance company won’t cover stolen tires?

The best insurance companies cover stolen tires through comprehensive coverage. Here’s a list of companies that will provide coverage for stolen wheels.

• Allstate
• State Farm
• GEICO
• Progressive
• Nationwide

Progressive provides extra insurance to cover tires and rims under its custom parts and equipment insurance coverage. However, additional insurance adds more to your car insurance bill.

Some auto insurance companies won’t cover custom parts. This makes it very complicated even if you have comprehensive auto insurance.

How much do new tires cost?

If you don’t have comprehensive coverage, you’ll need to replace your tires using your hard-earned money.

According to Advantage Collision Center, a new tire with a rim can cost between $200 and $500 per wheel.

A new, economical tire (without the rim) could be $50 to $150. But moderate-grade and high-quality tires may cost $100 to $1,000 each.

Case Studies: Car Insurance Coverage for Stolen Tires

Case Study 1: John’s Stolen Tires

John woke up one morning to find his car sitting on cinder blocks. All four of his tires had been stolen overnight. Luckily, John had comprehensive coverage on his auto insurance policy.

He promptly filed a claim with his insurance company, and they covered the cost of replacing his stolen tires. John was relieved that he didn’t have to bear the financial burden of buying new tires himself.

Case Study 2: Sarah’s Excluded Coverage

Sarah had liability coverage and collision coverage on her car insurance policy but did not have comprehensive coverage. When her tires were stolen, she realized her insurance wouldn’t cover the loss.

Sarah had to pay out of pocket to replace her stolen tires, costing her several hundred dollars. She learned the importance of having comprehensive coverage to protect against such incidents.

Case Study 3: Michael’s Custom Parts Coverage

Michael had comprehensive coverage with custom parts and equipment insurance on his policy. When his high-end alloy wheels and performance tires were stolen, he contacted his insurance provider.

They assessed the value of the stolen wheels and reimbursed Michael for the loss based on the coverage limit specified in his policy. Michael was glad he had opted for custom parts coverage, as it helped him recover a significant portion of the expense.

The Bottom Line: Does car insurance cover stolen tires?

The short answer is yes. But auto insurance companies will only cover stolen tires under comprehensive coverage. Specialty coverages for custom parts and equipment provide added protection.

Comprehensive insurance won’t cover ancillary items, such as an MP3 player plugged into your auxiliary outlet.

Remember that you have to pay a deductible when you file a claim through your comprehensive insurance policy. 

Now that you know how car insurance covers stolen tires, use our free comparison tool below to compare car insurance rates from multiple companies in your area.