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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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jun 11, 2021

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Just the Basics

  • Stolen tires are only covered by comprehensive car insurance.
  • You must file a police report as soon as possible to ensure your insurance company covers the replacement wheels.
  • If your comprehensive car insurance does not cover stolen tires, check your homeowner’s or renter’s insurance policy.

If you’ve ever had your tires stolen, you know it can be a real headache. You can’t use your car, and replacement wheels can be very expensive. You’re probably asking yourself, “Are stolen tires covered by car insurance?”

There are many elements and terms to help you understand your policy. If you have comprehensive car insurance coverage, your stolen tires should be covered. However, this isn’t always the case so, it’s important to double-check with your car insurance company.

Keep reading to learn what comprehensive car insurance covers, what to do when your tires are stolen, and how much it can cost you. First, enter your ZIP code into our free comparison tool above to find affordable car insurance in your area.

What does comprehensive car insurance cover?

How much insurance do I need for my car? You may already have enough car insurance coverage. In fact, every state requires a minimum amount of liability insurance to even be able to legally drive.

However, liability insurance only covers the cost of damages you make to another person and their vehicle in an accident. And if you have collision coverage, that only covers damages that occur during a car accident, regardless of who is at fault.

So, are stolen tires covered by car insurance? Yes, but only if you have comprehensive car insurance coverage, and even then, every policy is different. Comprehensive car insurance covers damages to your vehicle that occur outside of an accident.

These include damages from fire, natural disasters, falling objects, animals, theft, and vandalism. Since stolen tires constitute theft, most comprehensive car insurance plans will cover the cost to replace stolen tires.

You might be also be wondering, does full coverage insurance cover stolen wheels? Full coverage insurance simply means you have liability, collision, and comprehensive coverage on your car insurance policy. So, yes, most full-coverage policies will cover stolen wheels.

It’s important to compare car insurance quotes from several different companies to find the best deal. The Insurance Information Institute recommends comparing at least three different car insurance rates before settling on a policy.

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What do I do if my tires are stolen?

Let’s say your vehicle’s tires have just been stolen. You’re not sure where to go or what to do. Fortunately, we’re here to help you learn what to do when your tires are stolen.

The first thing to do when your tires are stolen is to call the police. It’s extremely important to get a police officer to the scene and have them file a police report as soon as possible.

The police report is necessary because it helps prove to your insurance company that your tires have indeed been stolen and you’re not making it up. It doesn’t hurt to take some pictures, too, so you can further back up your claim.

Once the police report has been filed, be sure to get a copy as soon as you can. When you file a claim with your insurance company, you’ll be able to provide the police report and any pictures of the incident as evidence of your stolen tires.

How much does it cost to replace stolen tires?

The sad truth is that most stolen wheels and tires are not recovered, meaning you’ll have to buy new ones. If you have comprehensive car insurance coverage, you should be covered.

It usually costs about $100 to $300 to buy new tires. Since this is usually less than your deductible, you may be stuck with this bill yourself. Your car insurance company might not contribute unless you have to replace all four tires.

However, if the wheel itself is stolen, then this is a different story. It can cost up to $710 to replace a single wheel. In this case, comprehensive car insurance will come in very handy, especially if you’ve had two or more wheels stolen.

Now that you know the answer to the question, “Are stolen tires covered by car insurance?” shop for car insurance today. Enter your ZIP code into our free comparison tool below to buy car insurance from providers near you.