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Texas Department of Insurance
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Auto theft and insurance: How to protect your ride


Common sense prevention can help keep your vehicle and the things in it safer. But what happens if thieves break in or steal your ride? Here’s what you need to know.

  1. Keep it covered

    If your car is stolen, or someone breaks into it, your auto insurance will probably cover the damages if you have comprehensive coverage. Comprehensive also covers fires, floods, hail, and collisions with deer or other animals. And it covers pricey auto parts that thieves target, such as air bags or catalytic converters. Catalytic converters are valuable because of precious metals in them. They’re relatively easy to steal and don’t have identifying markings.

  2. Insure your stuff

    If thieves take a laptop or other personal items from your car, that’s probably covered by your home or renter’s insurance. You’ll need to check your policy to see what’s covered. Most policies cover custom parts and equipment such as fancy car stereos or speakers.

  3. Get a replacement ride

    If your car is stolen or damaged by thieves, you can use rental reimbursement insurance to rent a car. Ask your agent or insurance company if you have coverage or if you can add it to your policy.

  4. Prevent a break-in

    Common sense can save you from many vehicle break-ins and thefts:

    • Don’t leave your keys in the car.
    • Lock doors and windows.
    • Park in well-lit areas.
    • Use a loud alarm or an anti-theft device a thief can see.
    • Install a catalytic converter cover or lock.

    You can also get high-tech devices that can track your vehicle or shut off the engine, making it harder for someone to steal it. Some send signals to law enforcement when your vehicle is stolen, others let you track it with GPS.


Car burglaries and break ins are increasing. Here's how to protect your car (podcast)


Questions? Call us at 800-252-3439.

Last updated: 5/15/2024