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What is comprehensive coverage?

Comprehensive coverage from State Farm® helps pay to repair or replace a covered vehicle from a loss not caused by a collision. It includes a stolen covered vehicle, glass claims and windshield repair.

What comprehensive insurance covers

Comprehensive car insurance with your State Farm Auto Insurance can help you recover from a variety of unfortunate events:

  • Weather conditions such as wind damage from hurricanes, flood, hail, and falling objects like a tree branch falling on your parked car or a rock dropping off an overpass
  • Fires and explosions, including those caused by a natural disaster
  • Total or partial car theft and vandalism like graffiti or kicked-in headlight
  • Hitting or being hit by a deer or other animal
  • Violence from civil unrest or riots like a smashed window or dented door

What comprehensive insurance doesn’t cover

If you're responsible for an accident, you’ll need separate coverages. Your comprehensive coverage won't pay for collisions with:

  • Other vehicles,
  • Objects (trees, buildings, etc.), that may require collision coverage
  • Injuries or fatalities, that may require liability insurance

To help insure yourself against the costs of damage from these and other sources, State Farm offers a range of auto insurance options, including collision coverage.

Why choose State Farm for comprehensive coverage?

We do this every day

On average, we handle 24,400 claims daily.

We’re here 24/7/365

The State Farm app is rated 4.8/5 with 1M+ reviews in the App Store.

Insuring cars since 1922

We’re bringing over 100 years of experience to help you recover from the unexpected.

Local insurance agents

Across the nation, State Farm has over 19,000 auto insurance agents dedicated to providing you with personalized service. Reach out to one near you.

State Farm in action

Did you know State Farm was instrumental in passing multiple seat belt laws and continues to be an advocate for seatbelts and teen safety?footnote 1

Comprehensive insurance vs. collision insurance

What’s the difference between the two coverages?

Comprehensive
Collision

Collision or vehicle rollover

Stolen

Damage caused by fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal

Requires a deductible

Comprehensive
Collision

Collision or vehicle rollover

Stolen

Damage caused by fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal

Requires a deductible

Comprehensive
Collision

Collision or vehicle rollover

Stolen

Damage caused by fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal

Requires a deductible

Frequently asked questions about comprehensive coverage


While "full coverage" isn’t a consistent, defined offering across providers, it can mean having a package of customer-selected coverages that provides you the protection that meets your needs. It can mean you have both liability and physical damage coverage, like comprehensive and collision coverage. Keep in mind there are optional coverages like rental and emergency roadside service that you also may wish to consider.


Consider how much your car is worth and what you are willing to pay out-of-pocket for repairs or replacement of your car.


Collision and comprehensive coverage serve different purposes. Collision coverage helps pay for damage to your vehicle from accidents — regardless of fault — making it important for newer or valuable cars. Comprehensive coverage helps pay for non-collision incidents like theft, vandalism and natural disasters. The right choice for you may depend on your driving habits, vehicle value and specific risks. Many policyholders opt for both types of coverage.


If you sustain a loss, your coverage pays to repair the vehicle or the actual cash value of the vehicle minus the deductible that you choose. You determine how much you want to pay out of pocket.


Laws vary by state, but almost all states require bodily injury liability and property damage liability coverage. However, comprehensive coverage is unlikely to be required in your area. Check with your State Farm agent to be sure.


Ask yourself if the savings from not carrying this coverage would be enough to offset the risk of having to pay the entire cost of repairing or replacing the vehicle along with these factors:

  • Is your car a high-value vehicle?
  • Do you live in an area prone to weather-related disasters?
  • Is there a high rate of car theft where you live?
  • How much can you afford to pay, or are willing to pay, out of your own pocket if you experience an accident that isn’t covered by collision insurance?

To determine if you should purchase comprehensive coverage, estimate the approximate value of your vehicle through an online resource. A State Farm agent can help you determine the value of your vehicle along with how much extra you'd pay to add comprehensive coverage.

Get a local agent who gets you

There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.

Related insurance coverages

Simple Insights® on comprehensive coverage

Looking for help protecting your vehicle? Simple Insights draw on over 100 years of State Farm knowledge about comprehensive coverage.

Selecting car insurance deductibles and coverages

Learn what a car insurance deductible is and how it affects your car insurance coverage. Plus, tips on choosing a policy that works for you.

How much car insurance do I need?

Learn about coverages, deductibles, limits and more to help decide how much auto insurance you need and how you can save.

return to reference 1For more information visit the State Farm auto safety page.

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Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, contact your State Farm agent.

State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
Bloomington, IL

State Farm County Mutual Insurance Company of Texas
Richardson, TX