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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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • 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.

Does car insurance cover stolen wheels?

In certain situations, comprehensive coverage can pay for the cost of stolen tires. Liability and collision coverage won’t pay for stolen wheels.

However, uninsured motorist coverage can help you recover if your vehicle is stolen altogether.

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.

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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
  • 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.

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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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