State Farm comprehensive insurance covers damage to the policyholder’s car that was caused by something other than a collision, such as vandalism or a natural disaster. State Farm comprehensive coverage will pay up to the actual cash value of the vehicle, minus any deductible, for covered repairs.
What State Farm Comprehensive Car Insurance Covers
Vandalism and damage from civil disturbances
Damage from falling objects, like trees
Animal damage, including damage caused by collisions with deer
Damage from natural disasters and other weather events, like hail
Glass damage that was not caused by a car accident
Comprehensive insurance is not mandatory in any state. However, dealerships and lenders generally require it on leased and financed cars in order to protect their investment.
Drivers almost always purchase comprehensive insurance together with collision insurance, which pays to repair or replace the covered vehicle after a car accident regardless of who was at fault. Policies that include comprehensive and collision insurance plus the state’s minimum coverage requirements are often referred to as “full coverage”.
You can log into your online account on the State Farm website or call customer service at (800) 782-8332 to add comprehensive insurance to your policy.
A good comprehensive deductible is an amount that the policyholder can afford to pay if their vehicle is suddenly damaged by something other than a car accident, such as vandalism or a natural disaster. Comprehensive insurance deductibles typically range from $100 to $1,000, but they can sometimes be as high as $2,500. You choose your deductible when you purchase your policy, and the higher the deductible is, the lower your premium will be.
Yes, comprehensive insurance covers theft. Comprehensive auto insurance coverage will pay to replace a stolen car, repair damage done by thieves, or replace stolen parts, though it will not cover personal possessions stolen from inside a vehicle. It usually won’t pay to repair or replace custom parts or other equipment added by the driver, either.
Comprehensive coverage, which pays for non-accident damage resulting from things like natural disasters and theft/vandalism, is limited to the...
Yes, State Farm insurance rates are competitive, as the company is one of the 10 cheapest auto insurers nationally, according to WalletHub analysis. State Farm car insurance customers pay an average of $718 per year for coverage. State Farm's car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact...
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