Yes. That’s why I listed it first as a separate category – it’s easy to see a stolen car as a loss of, say, $20-30k for the private insurance company and owner but there’s also going to be a cost for the time the police spend investigating, the city might spend disposing of a wrecked vehicle, the courts spend processing a car thief, etc. and potentially other significant costs if, say, a Kia challenge teenager hits another person or the vehicle is used to rob a house or business. While we can’t prevent it in absolute terms, there is still a significant social benefit to reducing car theft rates.
Insurers aren't usually charities. Those costs are still borne by the insured.