Does auto insurance cover vandalism?

If your car was keyed and you're wondering, does auto insurance cover vandalism, read on to find out just what you will need and what happens if you get a vandalism claim denied. The good news is you can be covered in the case of vandalism with auto insurance rates as low as $150 per month. Affordable auto insurance with vandalism coverage doesn't have to be hard to find.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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Auto Vandalism Summary
Auto Vandalism FactsSource
Car vandalism refers to when someone defaces or destroys another
individual's car without permission.
Vandalism is also called criminal
Examples of criminal mischief to a vehicle include damaged paint, keying,
broken windows, graffiti, slashed or flattened tires, etc.
door dings from other vehicles would not be considered
Cracked or chipped windshields due to debris on the road would
not be considered vandalism.
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Does auto insurance cover vandalism? Imagine the following scenario:

It’s the middle of the week and you’re less than excited to go to work. You exit your front door, fumble with your keys, and notice your automobile on the curb in front of your house. On it are several scratch marks. It hits you: someone has keyed your car and slashed your tires. It’s an absolute nightmare scenario. As you process the situation, you ask yourself, “Does my car insurance cover vandalism?”

We understand auto insurance coverages can be a bit complicated, so we will cover insurance and vandalism step by step. Can auto insurance cover vandalism? Before finding out more about if there is auto insurance coverage for vandalism, type in your ZIP code in our helpful tool above to find reasonable rates in your area.

Will insurance cover me in the case of vandalism?

You may be asking, “Do you have to pay a deductible for vandalism?” The short answer is yes, but the good news is that further damages to your vehicle will most likely be covered by insurance, and you can get a FREE insurance quote today by entering your ZIP code below.

“But someone keyed my car, will insurance cover it?” Insurance covers multiple acts of vandalism, including keying incidents. Legal Beagle offers helpful tips on how to prove someone may have keyed your car.

It also would cover a spray painting vandalism incident, like this spree that occured in Mesa, Arizona.

It is all dependent on whether or not you have comprehensive insurance. Here is a video that explains comprehension coverage.

In layman’s terms, comprehensive insurance has your back outside of an actual collision on the road. Vandalism, of course, does not even involve another automobile, hence the necessity for comprehensive coverage. Let’s take a look at a table showing comprehensive coverage averages by state.

Average Annual U.S. Comprehensive Auto Insurance Rates by State
StatesAverage Annual Comprehensive
Auto Insurance Rates
New Hampshire$103.03
Rhode Island$122.17
North Carolina$123.00
New Jersey$123.18
New York$156.66
South Carolina$165.38
New Mexico$166.89
West Virginia$195.04
North Dakota$227.64
South Dakota$228.59
District of Columbia$230.25
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Are you paying too much for comprehensive coverage in your state?

Again, it is important to note that other forms of insurance will not be able to assist with vandalism repairs. While collision insurance is important to have in the event of an accident, it will not be of much help in the event that your vehicle gets keyed or spray painted.


Here is a video that details what collision coverage will help you with.

Now that we have established that comprehensive coverage is necessary to have insurance pay for vandalism damages, here is another video that further explains it. Pay attention for the references to vandalism.

Should you be confused over what a deductible is, it is actually quite simple. The deductible is what you pay for service and repairs before your car insurance covers the rest. Here is a video further explaining what a deductible is.

Of course, vandalism isn’t the only concern you should have for your vehicle, so it’s worth it to consider whether collision vs. comprehensive insurance is right for you.

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You may have a few more questions on the topic of vandalism. For instance, what do you do when your car is vandalized? First, document the damage. Take plenty of pictures. Second, speak to any eyewitnesses should there be any. Lastly, file a police report before contacting your insurance company.

How long do you have to report car vandalism? You have some time, but it is definitely best to do it as soon as possible. From there, get the damage repaired. Your vandalism claim shouldn’t be denied if you have comprehensive coverage. After all, vandalism is out of your control.

Take control of your insurance plan and enter your ZIP code below to get a FREE quote and find the best plan for you.

Finally, does car insurance cover theft? Yes, if you have comprehensive coverage. Ultimately, comprehensive insurance is your best bet to protect yourself in the event that your vehicle is the target of illicit behavior.

Look for affordable auto insurance covering vandalism now by entering your ZIP code into our helpful tool below to find reasonable auto insurance rates in your area.

Frequently Asked Questions: Does auto insurance cover vandalism?

So, is there car insurance coverage for vandalism? Now you know the answer to this question, but in case you have others left unanswered, check out some commonly asked questions below.

#1 – Does renters insurance cover vandalism to a car?

No, because the automobile itself is not considered personal property.

#2 – Does car insurance cover vandalism to tires?

Yes, fortunately, this too would fall under comprehensive coverage if the tire was damaged in a situation outside of an accident, such as vandalism.

#3 – Does home insurance cover vandalism?

If you have an all-risks or all-perils policy, most likely.

#4 – Is car vandalism on my private property covered?

It will be covered by your comprehensive policy regardless of location, but it is worth noting that stolen goods from the vehicle will not fall under your comprehensive policy.

#5 – What happens when you file a police report for vandalism?

You take photographs of the vandalism damage, which the police will then ask you to submit with their report.

#6  Does vandalism make your insurance go up?

Usually, a claim made against your comprehensive coverage will not result in raised rates.

#7 – Does Geico car insurance cover vandalism?

Yes, if you have comprehensive coverage.

#8 – How can you prove vandalism?

The prosecutor must prove that the defendant defaced personal property with graffiti, damaged it, or destroyed it.

#9 – How do you prove innocence in vandalism?

The defendant defaced property with graffiti or destroyed property they did not own.

#10 – How do I sue for vandalism?

Start by calling the police. Should sufficient evidence exist, the vandal will be prosecuted and you may be able to recover finances in civil court.



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