Read more: Cheapest car insurance companies of 2026The most stolen vehicles in the U.S. "It is recommended to check with your insurance provider whether you have a comprehensive insurance policy or not, as liability insurance does not cover theft of a vehicle." If you've reduced your insurance policy to liability-only coverage, perhaps because you drive an older or lower-value car that's paid off, your policy won't cover theft. "A typical car insurance policy won't cover any personal items that were in the car at the time it was stolen, like phones, laptops, or other valuables," Afilalo said. What to know if your stolen vehicle is recoveredIf your stolen vehicle is recovered by law enforcement, there may be repairs to be made — and your troubles may not end there.