Does car insurance cover riot damage?

Car insurance covers riot damage through comprehensive insurance. You can buy comprehensive coverage for $154/yr on average. However, comprehensive auto insurance varies for each person. Liability and collision car insurance doesn't cover damage from riots or civil unrest. Shop around and compare multiple companies to secure auto insurance coverage for riot damage.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Dec 14, 2021

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The Highlights

  • Riot damage is an unforeseen risk that’s covered by comprehensive car insurance
  • Comprehensive insurance costs vary by state
  • High comprehensive coverage deductibles can lower your overall car insurance rate

Was your vehicle damaged during a violent protest? Riot damage creates a hefty price tag for homeowners and business owners, but it also affects your car.

But does insurance pay for riot damage? Does auto insurance cover damage from riots?

Our guide answers frequently asked questions about how car insurance covers riot damage. Also, we’ll show you how to compare car insurance so you can secure affordable rates.

Once you learn how car insurance covers riot damage, enter your ZIP code in the free online quote tool above to compare multiple companies in your area.

Does car insurance cover riot damage?

The short answer is yes. Auto insurance companies provide coverage for riot damage through comprehensive auto insurance.

By definition, comprehensive insurance covers any damage to your vehicle that doesn’t involve a collision.

Therefore, any unforeseen risk would be covered by comprehensive coverage.

Here are a few other examples where comprehensive car insurance covers damage to your vehicle:

  • Falling objects
  • Vandalism
  • Natural disasters
  • Vehicle theft
  • Damage from an animal
  • Fire damage

It’s still important to have comprehensive coverage. Adding comprehensive insurance can protect you from expensive out-of-pocket costs.

What happens if your car is damaged in a riot?

Assuming that you have comprehensive auto insurance, you should contact your auto insurance company after the rioting has stopped.

When it’s safe to go outside, take photos of the damage after you file a comprehensive car insurance claim.

You’ll need to pay a deductible, also. Low deductibles drive up your auto insurance rates.

The auto insurance company will need three estimates. Most car insurance companies choose the lowest estimate out of the three.

Once the car insurance company agrees with the estimate and the car repair shop, they’ll cut a check for the cost of repairs.

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How much is comprehensive car insurance?

According to the National Association of Insurance Commissioners (NAIC), the average cost of annual comprehensive auto insurance is $154. However, comprehensive insurance varies by state and by company.

Let’s see how each state influences the average comprehensive car insurance rate.

Average Annual Comprehensive Car Insurance Rates
StatesAverage Annual Comprehensive Rates
District of Columbia$230
New Hampshire$112
New Jersey$129
New Mexico$185
New York$174
North Carolina$130
North Dakota$241
Rhode Island$135
South Carolina$190
South Dakota$284
West Virginia$210
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Comprehensive coverage is more affordable than liability and collision on average. But, your overall car insurance rate is determined by several other factors.

Which car insurance companies have the best coverage for riot damage?

If you’re shopping for auto insurance companies that cover riot damage, you should start with the best insurance companies.

Here are the top insurance companies in the car insurance industry.

  • Allstate
  • American Family
  • Farmers
  • Liberty Mutual
  • Progressive
  • Nationwide
  • State Farm
  • Travelers
  • USAA

Compare each company to see which one has the best deal. If you want to choose between the best companies, you can always choose a smaller auto insurance company.

Why should I bundle car insurance with other policies?

Think about bundling homeowners or business insurance with auto insurance to save about 12% on your insurance bill.

Business and homeowners insurance also have opportunities where you can protect your assets and business income from out-of-pocket expenses from riot damage.

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How do you protect your car from riots and civil unrest?

Rioters are known to loot and vandalize urban and suburban areas. Put your vehicle in a garage. Also, try parking your car in a gated parking garage.

We don’t recommend confronting rioters. Although you have every right to protect your property, it’s in your best interest to avoid riots and civil unrest.

Car Insurance Coverage for Riot Damage: The Bottom Line

Auto insurance companies cover riot damage if you have comprehensive insurance. You won’t be able to cover riot damage with liability or collision insurance.

If you want to get the best car insurance deal, you’ll need to compare various companies until you find the deal that works best for you.

Now that you know how car insurance covers riot damage, enter your ZIP code into our free online quote tool to compare multiple companies near you.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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