Does insurance replace stolen car?

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McKayla Girardin, Car Insurance Writer

@mckayla_girardin • 01/18/22 This answer was first published on 01/18/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, car insurance will cover a stolen car if your keys were left inside as long as you have comprehensive insurance and the claim is not fraudulent. Comprehensive insurance covers vehicle theft, plus things like vandalism and natural disasters, and will pay out the car’s actual cash value (ACV) minus your deductible.

Key Things to Know About Car Insurance and Vehicle Theft

If your vehicle is stolen, your comprehensive insurance will pay for the value of the car, minus your deductible. Leaving your keys in the car does not automatically prevent coverage.

Your insurance company can deny a vehicle theft claim if they suspect that it may be fraudulent. If your vehicle is stolen, your insurer will investigate the claim to make sure it is not an attempt at fraud.

Car insurance will not cover theft of personal property from inside a vehicle. Personal property that you often have in your car should be listed on your homeowners or renters insurance policy if you want them to be protected from theft.

Comprehensive insurance may cover your keys themselves if they’re lost or stolen. You will need to pay your deductible first, though.

If you do not have comprehensive insurance, your insurance will not cover your car being stolen at all. Standard liability insurance or minimum coverage does not offer protection for stolen vehicles.

To learn more, check out WalletHub’s guide to comprehensive insurance.

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