Is This Confirmed for GTA 6?
Rockstar has not confirmed vehicle insurance for GTA 6. Below is the verifiable franchise history plus clearly-labelled leaks or expectation — not fact.
In the GTA Series
Insurance is primarily a GTA Online feature: personal vehicles can be insured so that, if destroyed, they can be reclaimed for a fee from the in-game mechanic. It exists to protect player investment in expensive vehicles.
Single-player GTA games have generally let you simply re-acquire or re-spawn vehicles rather than insure them.
Reasonable Expectation
If GTA 6 has a comparable online mode, an insurance-style system is plausible, but Rockstar has not detailed GTA 6 insurance, claim fees, or how it works.
What Was Removed
Removed invented GTA 6 insurance costs, claim mechanics, and 'an unspecified amount' filler, plus 'community reception.' Kept the GTA Online precedent.
Frequently Asked Questions
Is there vehicle insurance in GTA 6?
Not detailed. Insurance is a GTA Online feature; whether and how it appears in GTA 6 is unconfirmed.
How did insurance work in GTA Online?
Insured personal vehicles could be reclaimed for a fee if destroyed, protecting the player's investment.