Will my car insurance cover vandalism?

Comprehensive car insurance will cover vandalism and auto theft. If you don’t have comprehensive coverage, your auto insurance will not cover any acts of vandalism that may happen to your vehicle. Consider upgrading your coverage with a full coverage policy and get the cheapest rates by comparison shopping online with our free tool below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 29, 2020

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Here's what you need to know...

  • If you only maintain a basic auto liability policy, you are only covered for damage that you cause to another vehicle in an accident for which you were at fault
  • The only way that you would be covered for vandalism of your car is if you have comprehensive auto insurance
  • You may have to pay the amount of your deductible out of pocket if you file a claim for vandalism of your car
  • Be sure to report the damage as soon as possible to your auto insurance company along with pictures if you intend to file a claim
  • If you have personal belongings that are stolen out of your car, these personal items would be covered under your homeowner’s insurance policy instead of your auto insurance coverage

Having your car vandalized can make you feel totally violated and extremely frustrated over the damage. The good news is that if you have a comprehensive auto insurance policy, then you will be covered for the physical damage to your car at the hands of vandals.

You will need to pay your deductible out of pocket before your actual comprehensive auto insurance coverage kicks in for the damages.

Make sure you’re aways covered — enter your zip up top to find the best car insurance deals near you!

Comprehensive Auto Insurance Coverage


Even though having a comprehensive auto insurance policy is optional, it sure can come in handy in plenty of unfortunate situations, such as the theft or vandalism of your car.

With a comprehensive auto insurance policy, you are covered up to a certain limit for any damage to your car as a result of an incident that was not a collision. This means that you would not be covered if you hit a car while parking, but you would be covered if a tree fell during a storm and smashed your car in.

Most importantly, comprehensive coverage kicks in when there is vandalism to your car. If you already have an existing auto insurance policy, you can ask your auto insurance agent about adding this coverage to protect you against theft or vandalism in the future. Unfortunately, if you did not have this coverage when your claim for vandalism was filed, it will not be covered.

It is important to know that your comprehensive insurance does not cover the theft of any personal items from your car, such as a purse or wallet.

For these personal property items, you will have to file a claim under your homeowner’s or renter’s insurance policy.

If you are looking for helpful ways to save money when shopping around for quotes on auto insurance rates, you should ask if there is any discount for bundling your auto insurance policy and your home owner’s insurance policy with the same company. It could end up being more convenient for you and save a sizable amount in the long run.

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Filing a Claim Under Your Auto Insurance for Vandalism


Filing a claim for vandalism is very similar to filing a claim for an auto accident. You want to make sure that you document as much information about the incident as possible, such as the location of the crime, when you discovered the vandalism, whether there were any witnesses to the crime and any photographs that you can take of the damage to your car.

You need to make sure that you are following all of the requirements of your auto insurance policy in terms of reporting the claim for vandalism on time.

You also need to follow up with any requests for further information from your auto insurance agent. Depending on the extent of the damage to your car that was vandalized, an auto insurance claims adjuster may be assigned to your car.

Once the auto insurance company has evaluated all of the physical damage to your vehicle from the vandalism, they will make a determination of how much of a settlement check you will receive to resolve the claim.

To repair any physical damage to your car, the claims adjuster may get an estimate from a car repair shop. You are free to have your own estimate taken for the damage, but the auto insurance company is going to insist that the repair costs be calculated in a reasonable way.

Depending on the extent of damage to your vehicle, you may want to ask the auto insurance company if you are covered for a rental car. Every policy is different in terms of whether the cost of a rental car is covered while your car is being repaired.

The Final Word on Auto Insurance for Vandalism

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Dealing with the aftermath of having your car vandalized is certainly not a fun experience, but it is made much easier if you have a comprehensive auto insurance policy to help cover the cost of the damage to your car. This optional coverage requires that you pay a deductible, but it will kick in to cover the physical damage to your car as a result of it being vandalized.

For any personal items that may have been stolen out of your car, you could try to see if your home owner’s insurance has any coverage for the theft of personal property from your car.

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