Does Car Insurance Cover Break Ins?

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Aug 4, 2021

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What You Should Know

  • If your vehicle is broken into or stolen, the coverage you receive depends on your type of auto insurance
  • Protect your belongings and car from a vehicle break in instead of relying solely on insurance
  • After a car break in, stay calm and take action to ensure your vehicle is repaired 

You finish your morning cup of coffee and head out to start your day only to be greeted by the shattered glass of your car windows, and the realization—someone broke into your vehicle. If this has happened to you, you’re not alone. Unfortunately, countless people have had their cars broken into, leading many to wonder:

Does car insurance cover break ins?

The answer depends on the insurance coverage you have, along with what was taken by the car thief or damaged during the break in. Continue reading to learn about car insurance coverage of vehicle break ins.

What Does My Auto Insurance Cover?

The specific coverage your insurance provides depends on your specific type of insurance. For vehicles, there are two basic types: 

  • Liability Insurance
  • Comprehensive Insurance

Most states require car owners to have liability insurance to cover the costs of any damage or injury they may cause to other cars, property, or people if involved in a collision or another accident. 

So if someone breaks into your car, does insurance cover it?

If you only have liability coverage, damage to your vehicle isn’t covered if someone breaks into or steals your car. 

However, with comprehensive auto insurance, your insurer will likely cover the following if your car is broken into:1

  • Repair costs for any vehicle damage, including shattered windows, tampered ignition, broken locks, and cosmetic damage 
  • Replacement costs of stolen vehicle parts
  • The fair market value of a replacement if your car is stolen

Although you’re still responsible for paying your deductible, the costs associated with vehicle damage repair will likely surpass the cost of your deductible, making comprehensive auto insurance a smart choice for protection and security. 

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Protecting Your Belongings

Despite the benefits of comprehensive coverage, this type of car insurance policy generally doesn’t extend to personal possessions that were stolen or damaged during the vehicle break in. Instead, your homeowner’s or renter’s insurance policy would cover the replacement costs of these items.

To further protect your belongings, as well as your car, from a vehicle break in, consider following these four safety tips: 

#1 Don’t Leave Valuables in Your Car

One of the best ways to prevent car theft is to not leave them there. Reports show that roughly 27% of all stolen personal items are taken from cars.2 Even if you hide items under the seat, in the glove box, or the trunk, they can nevertheless be stolen by a car thief if your vehicle is broken into.

#2 Choose Well-Lit Parking Spots

Finding street parking in highly-populated urban areas can be difficult. You may even be tempted to take the first available spot you see. However, it’s safer to wait to park until you find a well-lit space. This same idea also applies to parking lots and garages. When your car is parked in a well-lit area, it’s less likely to be a victim of auto theft as thieves will bypass it for a vehicle that’s hidden in shadow. 

#3 Lock Your Doors and Close Your Windows

Sometimes, you may leave your car for only a minute and forget to properly secure it. You may be taking cash from an ATM or running into a restaurant to pick up a carry-out order. Despite how quick your errand may be, someone can grab what’s lying on your passenger seat or rummage through your glove box in a few seconds. When leaving your vehicle, be sure that all your windows are closed, and your doors are locked. 

#4 Invest in a Security System

Installing the best car alarm system for your vehicle can help deter thieves from attempting a break-in or stop them in their tracks with blaring alarms. If you’re concerned about the car alarm installation cost, know that more advanced security systems with GPS tracking can make it easy for police to locate your car in the event it’s stolen, saving you money in the long run. 

What Should I Do If My Car is Broken Into?

If your car is broken into, don’t panic. By taking the following steps, you can ensure your vehicle is repaired, and your possessions are reimbursed promptly. 

  1. Contact the police – The first thing you should do if your car is broken into is contact the police and file a police report. This step also applies if your vehicle is stolen and you’re frantically trying to determine how to report a stolen car.
  2. Document the damage – Take photos of any damage, and create a list of any missing items. This evidence will come in handy when you file a claim with your insurer.
  3. Call your insurance company – Call your insurance company as quickly as possible to report the break in and file a claim. If any personal items are damaged or stolen, you’ll also need to contact your homeowner’s insurance or renter’s insurance provider. 
  4. Protect your identity – If a purse, wallet, or documents holding sensitive information were stolen from your car during the break in, contact your bank and credit card companies to put a hold on your cards. You can also contact one of the three main credit bureaus to place a fraud alert on your identity to combat identity theft.

Find Comprehensive Insurance Policies at Affordable Prices

No one wants to discover their car has been broken into. But with comprehensive auto insurance, you can take comfort in the fact that you won’t have to pay out of pocket to repair any damage or replace any vehicle parts. 

To find the best rate for your comprehensive coverage, choose 4AutoInsuranceQuote. With our free quote comparison tool, we can quickly match you with the most affordable insurance rates in your area. All you need to do is fill in your zip code. 

For comprehensive auto insurance that will cover break ins without breaking the bank, trust 4AutoInsuranceQuote.

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