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What is 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.

Even glass claims and windshield repair. For example, damage caused by fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal is covered.

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Understanding comprehensive car insurance

From how comprehensive auto insurance works, and what it covers to defining deductibles and why you might need it.

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 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 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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With comprehensive coverage, you choose whether you have a deductible and how much it is. 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 how much you must pay out of your own pocket if a loss occurs. 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.

Consider these factors whether 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.

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.

Comprehensive car insurance protects you from losses other than a collision with another vehicle or object and single vehicle rollover accidents.

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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Get answers about auto insurance

Browse numerous articles from Simple Insights on tips from what we’ve learned in the nearly 100 years we’ve been insuring drivers like yourself.

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Coverage options, deductibles, and discounts may affect your policy cost, along with such things as your driving history, credit score (where permitted by law), and other third-party reports.

Motorcycle insurance ratings

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

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

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