Does car insurance cover stolen tires?
Auto insurance covers stolen tires through comprehensive coverage. If you don't have comprehensive coverage, you may have to buy new tires. The lowest price of new tires is about $50 per tire. However, a new tire with a rim can cost at least $200 per wheel. Shop around and compare rates from multiple companies to find affordable car insurance coverage for stolen tires.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
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UPDATED: Nov 27, 2023
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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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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.
On This Page
- Comprehensive car insurance covers the cost of stolen tires
- Progressive is one of the best companies for help with replacing stolen tires
- You could pay as little as $50 for a new tire
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.
Table of Contents
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?
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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.
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Frequently Asked Questions
Does car insurance cover stolen tires?
Yes, car insurance can cover stolen tires through comprehensive coverage. If you don’t have comprehensive coverage, you will need to buy new tires out of pocket.
How much does it cost to replace stolen tires?
The price of new tires varies, but on average, a new tire without a rim can cost between $50 and $150. A new tire with a rim can cost between $200 and $500 per wheel.
Will my car insurance company cover stolen tires?
The best insurance companies cover stolen tires through comprehensive coverage. However, it’s important to review your policy or contact your insurance provider to confirm if stolen tires are covered.
Does Progressive cover stolen wheels?
Yes, Progressive covers stolen wheels if you have comprehensive coverage included in your auto insurance policy.
Will uninsured motorist coverage help if my entire vehicle is stolen?
Uninsured motorist coverage can help you recover if your entire vehicle is stolen, but it does not specifically cover stolen tires.
Are custom parts covered by car insurance?
Some insurance companies provide additional coverage for custom parts and equipment, including tires and rims. However, not all insurance companies cover custom parts, so it’s important to check your policy or inquire with your insurance provider.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.