July marks Vehicle Theft Prevention Month, and the Missouri Department of Commerce and Insurance is urging drivers to protect their vehicles and review their insurance policies.
Vehicle thefts declined nationwide during 2025, though the financial losses remain steep. About 660,000 thefts were reported across the U.S., down 23% from the previous year, according to National Highway Traffic Safety Administration data cited by Beinsure.
U.S. vehicle thefts cost car owners more than $8 bn each year. Missouri ranked among the 10 states with the highest number of thefts in 2025.
Angela Nelson, director of the Missouri Department of Commerce and Insurance, said the nationwide decline offers some encouragement. Hundreds of thousands of drivers still lose vehicles to theft annually.
Nelson said Missourians should remain alert and understand their auto policy terms before a loss occurs. Drivers with questions should contact DCI or their insurance agent.
The department advises motorists to park in well-lit locations and lock every window and door. Drivers should conceal valuables, remove keys, and never leave a running vehicle unattended.
Owners whose vehicles lack manufacturer-installed anti-theft technology should consider additional protection. Retailers sell several options in stores and online.
Electronic transmission technology also helps law enforcement locate stolen vehicles. DCI advises drivers to activate the service or retain their subscription where available.
According to Beinsure, comprehensive auto insurance generally covers vehicle theft, break-in damage, and stolen vehicle parts. Coverage usually extends to equipment used with the vehicle, such as car seats, jumper cables, and spare tires.
Comprehensive coverage does not include personal belongings stolen from a vehicle. Drivers should file claims for phones, laptops, purses, or wallets through homeowners or renters insurance, subject to off-premises property limits.
Nelson said many policyholders review their insurance only after a theft or accident. The phrase full coverage does not describe a standard auto insurance product, she said, and policyholders should confirm the protection they want before filing a claim.
Some policies include a waiting period before insurers issue payment, since police may recover the stolen vehicle. When recovered vehicles develop mechanical problems, insurers generally require a diagnosis before treating the issue as part of the theft loss.
