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If your car is stolen does your insurance go up?

My car got stolen last night, and I know I need to report it to my insurance company. I’m just so worried about the consequences. Do your car insurance rates increase if your car is stolen?

avatar
Mary Cahill · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
In most cases, your
car insurance
 won’t go up if your car is stolen—but you may see a slight increase in your rates if any of the following circumstances apply:
You will not see your insurance rates increase if you’re only carrying basic
liability coverage
 on your policy. That said, you’ll be left covering the costs for your replacement vehicle completely on your own. 
Keep in mind: Your insurance rate won’t increase nearly as much as for an accident or moving violation—if filing a
car theft
 claim affects it at all. The slight additional cost you might pay for using your comprehensive coverage won’t be nearly as much as paying for a new car out-of-pocket.
MORE:
How to report a stolen car
Comprehensive CoverageStolen CarsCar Insurance
View full answer 
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