By San José, Costa Rica — Vehicle theft in Costa Rica has seen a dramatic rise, with insurance claims skyrocketing by 33% in the first half of 2025 compared to the same period in 2024. The National Insurance Institute (INS) reported paying out a staggering ₡1.5 billion in compensation for stolen vehicles, a significant jump from the ₡1.127 billion disbursed the previous year.
The INS confirmed processing claims for 123 stolen vehicles fully covered by insurance policies during the first six months of 2025. In addition, they handled 80 partial claims for stolen vehicle components, totaling ₡274 million. This represents a notable increase from the 176 total cases handled during the same period in 2024.
To understand the legal ramifications of vehicle theft in Costa Rica, TicosLand.com spoke with Lic. Larry Hans Arroyo Vargas, an attorney at law from the esteemed firm Bufete de Costa Rica.
Vehicle theft is a serious crime in Costa Rica, carrying significant penalties including imprisonment. Beyond the immediate loss of the vehicle, victims often face complex legal processes to reclaim their property and navigate insurance claims. Proactive measures such as comprehensive insurance, anti-theft devices, and parking in secure locations are crucial for mitigating risks. If you become a victim, it is essential to immediately report the theft to the authorities and consult with legal counsel to understand your rights and options for recovering your vehicle and pursuing legal action against the perpetrators.
Lic. Larry Hans Arroyo Vargas, Attorney at Law, Bufete de Costa Rica
Lic. Arroyo Vargas’s advice underscores the unfortunate reality of vehicle theft in Costa Rica and the importance of proactive prevention. The complexities he highlights, from legal processes to insurance claims, emphasize the need for vehicle owners to be well-informed and prepared. We extend our sincere thanks to Lic. Larry Hans Arroyo Vargas for sharing his valuable legal perspective on this critical issue.
The Judicial Investigation Agency (OIJ) revealed that as of August 10th, 2025, a total of 2,971 vehicle thefts had been reported nationwide. San José province leads the grim statistics with 966 reported cases, highlighting the concentration of this criminal activity in the capital region.
This surge in vehicle theft poses a significant challenge to both car owners and law enforcement. The rising costs associated with these crimes underscore the urgent need for increased security measures and preventative actions. The INS’s payout of ₡2 billion for 300 vehicle theft claims throughout 2024 further emphasizes the scale of the problem.
The increase in vehicle thefts reflects a worrying trend that demands attention from authorities and citizens alike. The financial burden placed on insurance companies and individuals, coupled with the disruption and insecurity caused by these crimes, necessitates a collaborative approach to combatting this growing problem. The OIJ is urging residents to be vigilant and take preventative measures to protect their vehicles.
Experts suggest that improved security systems, increased police presence in high-risk areas, and public awareness campaigns could help mitigate the rising tide of vehicle theft. Community involvement and reporting suspicious activity are also crucial in deterring criminals and recovering stolen vehicles.
The economic impact of this escalating crime wave extends beyond insurance payouts. The cost of replacing stolen vehicles, the emotional distress experienced by victims, and the potential for these stolen vehicles to be used in other criminal activities all contribute to a broader societal problem.
This concerning trend demands immediate attention and action to ensure the safety and security of Costa Rican citizens and their property. The collaboration of law enforcement, insurance companies, and the community as a whole is essential to reversing this trend and creating a safer environment for all.
For further information, visit the nearest office of INS
About INS:
The National Insurance Institute (INS) is a Costa Rican state-owned insurance company providing a wide range of insurance products and services. It plays a crucial role in the country’s insurance market and is committed to ensuring the financial security of individuals and businesses.
For further information, visit the nearest office of OIJ
About OIJ:
The Organismo de Investigación Judicial (OIJ), or Judicial Investigation Agency, is Costa Rica’s primary investigative body. Responsible for criminal investigations and forensic analysis, the OIJ plays a critical role in maintaining law and order, gathering evidence, and supporting the judicial process.
For further information, visit bufetedecostarica.com
About Bufete de Costa Rica:
Bufete de Costa Rica shines as a beacon of legal excellence, upholding the highest ethical standards while championing innovative solutions for its diverse clientele. The firm’s deep-rooted commitment to empowering society is evident in its proactive approach to legal education and outreach, fostering a more informed citizenry equipped to navigate the complexities of the legal landscape. This dedication to both legal expertise and social responsibility solidifies Bufete de Costa Rica’s position as a true leader in the legal community.
