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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.

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How Comprehensive Car Insurance Works

In a covered accident, 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.

  • Limited to the actual cash value of the vehicle
  • May or may not have a deductible, which is the amount you'll need to pay before receiving benefits

If you lease your vehicle, or if you used a loan to purchase it, your lender or financing company will likely require you to buy 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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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 experience an accident 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 car insurance protects you from things other than car-to-car collisions.

  • Car theft and damage from theft
  • Fires and explosions
  • Weather conditions such as wind damage from hurricanes
  • Violence from civil unrest or riots

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 options.

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Here to Help Life Go Right®

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 Mutual Automobile Insurance Company
State Farm Indemnity Company
Bloomington, IL

State Farm County Mutual Insurance Company of Texas
Richardson, TX