Why Texas Drivers Should Take Car Theft Seriously in 2025

Texas ranked #2 in the U.S. for vehicle thefts in 2024.

​Learn how comprehensive car insurance can protect you—and what steps to take to prevent theft in 2025.

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Key Fact: Texas held the second-highest number of stolen vehicles in the U.S. in 2024, according to a report by the National Insurance Crime Bureau (NICB) .
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Fortunately, thanks to law-enforcement efforts, car thefts dropped 17% statewide from 2023 to 2024 . That’s progress—but with over 65,000 vehicles stolen annually, Texas remains a hotspot to watch.

🛡️ Why Car Insurance Matters in a Theft

1. Comprehensive Coverage is Essential
   If your vehicle is stolen, only comprehensive coverage can reimburse you for the loss. Liability-only policies won’t help—and if you owe more than the car’s value, gap insurance may be necessary to cover that difference.
2. Prompt Reporting Speeds Recovery
   File a police report and inform your insurer quickly. This allows your carrier to act fast—whether recovering the vehicle or processing your claim.
3. Peace of Mind When It Counts
   With a properly structured policy, you can replace your car minus the deductible—critical during the stressful aftermath of theft.

🔑 Anti-Theft Measures Drivers Can Take
Here’s how Texas drivers can reduce their risk—and even qualify for insurance discounts:

• Lock your car & take your keys—nearly 50% of thefts are due to unlocked vehicles or keys left inside.
• Park smart—choose well-lit, busy areas, especially at night.
• Install anti-theft devices—like steering wheel locks, alarms, or GPS trackers; insurers often provide discounts for them.
• VIN-etching helps—etching your vehicle identification number on windows and parts deters thieves and may reduce premiums Texas Department of Motor Vehicles.
• Stay alert for cloned vehicles—Texas has seen VIN-cloning rings selling stolen trucks online. Always verify the title and run a VIN check Chron.

🚓 Law Enforcement Is on the Case

• North Texas Auto Theft Task Force and Houston’s Auto Theft Division target thieves, chop shops, and stolen parts rings.
• Texas continues to fund the MVCPA (Motor Vehicle Crime Prevention Authority) using a portion of insurance premiums to support law enforcement initiatives.

✅ What You Can Do Now

• Verify your policy includes comprehensive and consider gap coverage if your loan exceeds car value.
• Ask about anti-theft discounts—many carriers will reduce premiums on vehicles with approved devices.
• Practice smart safety habits—lock doors, remove fobs, and park wisely every time.

Corin Insurance Is Here To Help

Texas may have seen improvements—but vehicle theft remains a pressing risk. If you're unsure whether your coverage has you fully protected after a theft, or you want to explore savings through safeguards, reach out to Corin Insurance. As independent agents, we’ll help you choose the best fit from top carriers.

Stay ahead, stay secure—and stay covered. 🚘

​⚠️ Disclaimer:
Insurance coverage varies by carrier and individual policy. This blog is for informational purposes only and does not guarantee coverage or claim approval. For personalized guidance, please consult a licensed agent at Corin Insurance.

Sources

• NICB: 2024 saw a 16.7% drop in U.S. vehicle thefts Texas Department of Motor Vehicles+2National Insurance Crime Bureau+2National Insurance Crime Bureau+2III+1Wikipedia+1
• Texas held the second-highest volume of thefts nationally
• Statewide 17% drop in thefts from 2023 to 2024
• 65K vehicles stolen yearly in TX; nearly 200K burglarized National Insurance Crime Bureau+2Texas Department of Motor Vehicles+2National Insurance Crime Bureau+2
• Prevention tips and device discounts Texas Department of Motor Vehicles+1Dallas County+1
• VIN cloning alert in TX marketplaces Chron
• MVCPA and task force efforts III+15Texas Department of Motor Vehicles+15Facebook+15