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State Farm® comprehensive coverage

Comprehensive coverage pays to repair or replace a covered vehicle that's stolen or damaged by something other than collision or rolling over. For example, damage caused by fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal is covered. Comprehensive coverage also covers glass claims and windshield repair.

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How comprehensive Car Insurance works

With a covered loss, comprehensive coverage extends beyond your own vehicle to include temporary substitute cars, newly-acquired cars, and cars you're using but aren't owned by anyone in your household. Depending on other coverage available, this coverage may apply as primary or excess coverage.

Depending on the extent of the damage resulting from a loss covered under comprehensive coverage, we will decide whether to pay the cost to repair a covered vehicle minus any applicable deductible or whether to pay the actual cash value of the covered vehicle minus any applicable deductible.

If you lease your vehicle, or if you used a loan to purchase it, your lender or financing company will likely require you to purchase comprehensive auto insurance because your lessor or lender will want to be protected in case anything happens to your car during the term of your lease or loan.

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Comprehensive deductibles

With comprehensive coverage, you choose whether you have a deductible and in what amount. A deductible is the amount you’ll need to pay before receiving benefits. Simply put, a deductible is the amount you agree to pay up front when you make an insurance claim. Your insurance company then pays the rest up to your coverage limit. Higher deductibles lower your premium, but increase the amount you must pay out of your own pocket if a loss occurs. So do what’s comfortable for you and your budget. Ask yourself how much you would be willing to pay on short notice to save on your premium, or talk to your State Farm® agent.

Why choose comprehensive coverage?

Consider the risks of not having this coverage. Are the savings enough to cover the cost of repairing or replacing the vehicle?

  • 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 are involved in a loss that isn’t covered by collision insurance?

To help you figure out if you should purchase comprehensive coverage, you should estimate the approximate value of your vehicle through an online resource like Kelley Blue Book. Let a State Farm agent help you determine the value of your vehicle along with how much extra you'd pay to add comprehensive coverage.

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What Comprehensive Insurance covers

Comprehensive coverage protects you from losses other than collisions with other vehicles or objects or the overturning of the covered vehicle. Some examples include:

What Comprehensive Coverage doesn't cover

If you're responsible for an accident, your comprehensive coverage won't pay for collisions with other vehicles or objects (trees, buildings, etc.), or injuries or fatalities. You’ll need separate coverages for these exposures. To insure yourself against the costs of damage from these and other sources, State Farm offers a range of auto insurance coverage options.

Talk to an agent if you own a collector or classic car to learn about options for insuring your treasured car for comprehensive coverage.

Simple Insights® by State Farm

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Motorcycle Insurance Ratings

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Find out how your motorcycle rates in our annual motorcycle insurance ratings and how it will affect your premium.

Like a good neighbor, State Farm is there.®

State Farm has plenty of auto insurance options. You can get an auto insurance quote online, or speak with an agent who'll be happy to help you select insurance products and coverage amounts that are right for you.

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Disclosures and Disclaimers

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 (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

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

State Farm County Mutual Insurance Company of Texas
Richardson, TX