Does Car Insurance Cover Vandalism?

Comprehensive car insurance covers vandalism — keyed paint, slashed tires, broken windows — minus your deductible.

By the Home & Dime Editorial Team · Last updated 2026

What counts

• Keyed or spray-painted panels.
• Slashed tires.
• Smashed windows.

Filing

1. File a police report.
2. Photograph the damage.
3. Open a comprehensive claim.

Frequently asked questions

Is a keyed car covered?

Yes, under comprehensive.

Deductible?

Usually yes.

The bottom line

Comprehensive covers vandalism; document it and file a police report.

Related guides

• Does Car Insurance Cover a Broken Windshield?

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.