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Will my car insurance cover vandalism?

What to Know

  • Comprehensive car insurance can cover vandalism
  • It may be worth it to pay out of pocket, depending on cost and deductible
  • Filing a claim through insurance is likely to raise your rates

Can car insurance cover vandalism? Depending on your type of coverage, you may be able to keep from paying completely out of pocket for any repairs. With comprehensive coverage, the best car insurance companies will cover your repairs after you pay your deductible. However, you should think carefully before you file a claim, as it can raise your rates.

If you’re looking for rates for car insurance that will cover vandalism, enter your ZIP code into our free quote tool to get an idea of what you’ll pay for comprehensive coverage.

Best Car Insurance Companies That Cover Vandalism

When your car gets damaged, you’ll understandably be stressed about how to get it back looking good and working in its best condition. If you have comprehensive car insurance, then most repairs after vandalism will likely be covered. No matter the level of damage, you can file a claim on your comprehensive insurance policy to help get reimbursed for your repairs. That being said, some insurers will give you better coverage and rates than others.

Below are some of the annual rates from some of the top insurers, broken down into three coverage categories.

Average Annual Car Insurance Rates Based on Coverage Type
CompaniesAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage Annual Rates for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Avg Price$3,754.18$3,961.99$4,143.29
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Monthly Avg$312.85$330.17$345.27
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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If you’re paying more for coverage, it’s likely that the insurer will be able to reimburse you more or cover the costs of a new vehicle once you’ve reached significant damage, or worse, a total loss declaration.

Does Progressive car insurance cover vandalism? Does GEICO car insurance cover vandalism? Does State Farm car insurance cover vandalism? If you’re asking these questions then you should know that any insurer that offers a comprehensive car insurance policy will cover vandalism and a variety of other damages.

My car was vandalized; Will insurance cover it?

Whether or not your insurance will cover the vandalism done to your car will likely depend on your coverage type. If you have comprehensive coverage, you can likely file a claim and get reimbursed, at least in portion, by your insurance company. A comprehensive car insurance policy will cover most damages to the car or any internal systems but doesn’t cover any other property inside the car, maybe including any parts that weren’t standard for the car.

What happens if you don’t pay your car insurance before vandalism? If you’re late or behind on any car insurance payments, you might not be able to file a claim. It’s smart to stay up-to-date with your car insurance rates to make sure that you can get the coverage when you need it.

If you don’t have comprehensive car insurance, you won’t be able to file a claim for any vandalism costs. That’s why it’s recommended for anyone with a car worth a higher value get comprehensive coverage to protect against any unforeseen damages to your car that you can’t get repaired out-of-pocket.

Should you file a claim after vandalism?

This likely depends on the cost of the repairs versus how much your deductible is. If the cost of the repairs is below your deductible, then the insurance won’t pay out anything to get your car back in shape. If the repairs are just a little higher than the deductible, then it might be worth paying out of pocket to avoid the higher rates. Since your insurance will have to reimburse you for any repairs over your deductible, they’ll likely raise your rates to protect against the risk of a similar incident happening again.

Does vandalism raise your insurance rates?

Vandalism will likely raise your insurance rates because of the risk that damage will happen to your car again. For instance, if you live in an area with vehicles that have their windows smashed out frequently and the culprit isn’t caught, your insurer won’t want to keep paying for repairs when you’re paying the same into the policy. Eventually, this would cause the insurer to lose quite a bit of money. Each time you file a claim, your insurer is likely to raise your rates to cover the risk of a similar accident happening again.

Does property insurance cover vandalism?

According to III, if your car is located in your home property when it’s vandalized, then your property insurance will likely cover any items stolen or damaged during the incident. It won’t cover the car itself, and only a comprehensive car insurance policy can help you file a claim on that policy.

How to File a Claim After Vandalism

After your property has been vandalized, you’ll likely want to get the repairs started as quickly as possible. To get the right paperwork sorted and your car back in working condition, you’ll want to:

  • Call the police and file a report
  • Contact your insurance company and notify them of the incident
  • Get the damage evaluated by the insurance company
  • Take the car in for repairs

After you’ve made sure that you have a documented accounting of the incident, you’ll want to contact the insurance company and let them know. They’ll either send someone out or instruct you to go to an insurance-approved garage that will evaluate the damage. From that point, you’ll take the car to get repairs and your insurer will either reimburse you or pay the auto shop directly for any repair costs after you pay the deductible.

Car Insurance That Covers Vandalism: The Bottom Line

If you’re looking for car insurance that covers vandalism, you can likely find all the coverage you need with a comprehensive policy. With this extensive coverage, you can ensure that any damages done to your vehicle will be covered by your insurer once you pay the deductible. While it may raise your rates, a claim can keep you from having to go broke by paying for repairs out of pocket.

If you’re finished looking for quotes for car insurance that will cover vandalism, enter your ZIP code to see what you could pay at other insurers.

References:

  1. https://www.iii.org/article/civil-disorders-and-insurance