Will auto insurance cover vandalism?

Comprehensive coverage protects you against vandalism and theft. The average cost of comprehensive auto insurance is $11.57/mo nationwide.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Here's what you need to know...

  • Vandalism coverage is obtained by purchasing a comprehensive insurance plan with your car insurance company
  • Vandalism must occur due to no fault or negligence of your own
  • You can choose the level of deductible that you want for your comprehensive insurance coverage
  • Shop and compare to ensure that you are getting the best coverage and ask advice about deductibles

Vandalism can strike without warning. When shopping for car insurance, you may wonder if vandalism is covered by your auto insurance plan. While some areas are more prone to break-ins and vandalism than others, you need to know that your vehicle will be covered if it happens to you.

When you have comprehensive coverage, it covers you for almost any situation that results in a loss, including theft or destruction of property.

Vandalism is the act of deliberately destroying or damaging property. It is a felony and punishable by a prison sentence, stiff fees, or both.

Enter your zip code above to find auto insurance coverage for theft and vandalism now!

How does comprehensive insurance work with vandalism laws?

Comprehensive insurance takes into account that many different factors could leave one with a damaged vehicle or property. Comprehensive insurance is the highest level of insurance you can purchase because it covers any damage, no matter what caused it.

Some of the most common types of damage or factors that cause damage that comprehensive insurance covers include:

  • Fire
  • Theft
  • Flood
  • Hurricane or tornado
  • Falling objects (in a garage, etc.)
  • Hail

It is important to note that these are factors that are not covered in your standard car insurance.

Your standard car insurance no matter how much coverage you have will only cover accidents, nothing else. So comprehensive insurance is the only way to guarantee that other things will be included if you receive damage to your vehicle due to other causes.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Vandalism and Deductibles

It is important to note that comprehensive insurance involves meeting a deductible before the insurance will pay out for any of the situations listed above.

You can usually get a deductible amount ranging from $250-$1,000. Once you meet whatever deductible you choose, your comprehensive insurance will kick in.

To decide how much deductible you should carry, consider these things:

  • How likely is it that one of these external factors will damage your vehicle?
  • Do you live in a high crime area or an area that is prone to vandalism or theft?
  • Do you often have to leave your vehicle unattended at work or while on out-of-town business trips?
  • How much out-of-pocket expense could you afford if you were the victim of vandalism to your car?

These are real factors to ask yourself when deciding on the amount of your deductible. Like medical insurance, insurance that carries a deductible will not pay out until you have paid or met your deductible.

So, if you have a $2,500 deductible, and you receive $3,000 worth of damage due to vandalism or other situations, you will have to pay the first $2,500 before your comprehensive insurance will take effect.

Specifics about Deductible Amounts

If you have a $500 deductible, you would only have to pay $500, and the insurance would pay the rest for vandalism damage. Keep in mind that your premiums will be higher for those policies that include a lower deductible.

How to Find the Best Auto Insurance Plan

When considering changing or altering your car insurance plan, you will want to keep these things in mind and consider how much of a deductible you should carry.

You should then decide whether you want to carry comprehensive insurance. But keep in mind that having comprehensive coverage on your vehicle is the only sure way to guarantee that vandalism will be covered on your plan.

Ask your agent for a quote with different levels of deductibles and see what best fits your needs and your budget.

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Protect Your Investment

If you have a new car, you will want to protect your investment so that it could be repaired or replaced in the event of damage. You don’t want to only cover your car for accidents and liabilities, but you also need to cover your investment so you would not be out too much money if your car were vandalized.

Are new cars more likely to be vandalized?

Investopedia.com has an article that discusses what vandalism is and how new cars are more likely to be vandalized than older models.

For this reason, it is the wise car owner who plans ahead by looking into a good comprehensive insurance plan that would cover their expensive new car in the event of vandalism or theft.

Are older cars ever vandalized?

Even though newer cars are more prone to vandalism and theft than older ones, this doesn’t mean that your older car cannot be vandalized too.

Classic cars are also often the victim of theft or vandalism.

This article by Complex magazine illustrates some of the most common types of vandalism that can occur with vehicles.

Comprehensive insurance covers any acts of vandalism, so long as you are not negligent or at fault in the situation.

As long as you have made every attempt to protect your investment, you should be covered for any acts of vandalism.

Just make sure that you have not been negligent in caring for your car and continue to be vigilant to possible dangers that might put your car more at risk for criminal mischief.

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What constitutes negligence?

Negligence is defined as the failure to act in a way that a reasonable person would behave.

Legally, negligence is normally used about how someone was negligent toward someone else or how their negligence caused harm to someone else due to an act of negligence.

However, you can also be negligent toward your property, as is the case sometimes regarding your car.

Shopping for Car Insurance

In summary, when you are shopping for auto insurance, you will want to consider whether you need comprehensive insurance. If you think your car could be damaged by external events, such as flood, tornado, storms, falling objects, or vandalism, then you need comprehensive coverage.

Shop online and compare policies before your buy to determine the best choice for your auto insurance needs.

The key to getting the best deal for your auto insurance plan is to shop and compare. Looking at various insurance plans side-by-side is the only way to see truly what options are out there.

When considering comprehensive coverage, you should consider the amount of the deductible you need, the cost per month to you in premiums, and the level of risk for accident, theft, acts of nature, and vandalism.

When it comes to your car, you have to protect your investment. You can’t afford to have to pay out-of-pocket expense if something happens.

Enter your zip code below to compare car insurance rates from top companies in your area!


  1. https://www.merriam-webster.com/dictionary/vandalism
  2. https://money.howstuffworks.com/personal-finance/auto-insurance/comprehensive-auto-insurance-cover.htm
  3. https://www.investopedia.com/terms/v/vandalism-and-malicious-mischief-insurance.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186
  4. https://www.complex.com/sports/2013/03/the-9-worst-types-of-car-vandalism/stolen-hood-ornaments
  5. https://www.investopedia.com/terms/c/comprehensive-insurance.asp
  6. https://www.thebalance.com/what-is-the-insurance-definition-of-negligence-2645771

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