In , you can buy insurance for your vehicle by visiting any Los Santos Customs location or by purchasing a vehicle directly from an in-game website . Note that insurance is not available in the Story Mode of GTA 5; only default character vehicles are automatically "insured" and reappear if destroyed. How to Buy Insurance (GTA Online)
: Choose the vehicle you want to recover. If you destroyed it yourself, you will pay a small deductible; if another player destroyed it, they are charged the fee, and your replacement is free.
: Any vehicle you purchase through in-game websites like Legendary Motorsport or Southern San Andreas Super Autos comes with insurance and a tracker automatically included in the purchase price. How to Use Your Insurance
If you have a stolen car or an uninsured personal vehicle, follow these steps to secure it:
: The replacement will typically spawn at the Mors Mutual Depot (marked on your map) or back in your garage .
Once a vehicle is insured, it can be recovered if it is destroyed or lost: