Does car insurance cover interior damage?

Car insurance will cover interior damage if you have collision, comprehensive, or full coverage car insurance, but normal wear and tear to the car’s interior is not covered, This coverage only applies to damage sustained in accidents, by vandals, or by weather. Since it's more than the minimum legally required car insurance, auto insurance for interior damage will be more expensive.

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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

UPDATED: Jul 22, 2021

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The Highlights

  • Car insurance does not cover interior damage that is caused by wear and tear
  • Vandalism to your car’s interior will be covered under comprehensive coverage
  • Collision coverage will apply to interior damage that was caused by an accident

Your car’s interior is damaged and you have insurance, but does car insurance cover interior damage?

Will your insurance company cover the repairs to the inside of your car or will you have to cover the damage out of your own pocket? Keep reading to find out what kind of car insurance covers damage to the interior of your vehicle and where to find it.

Do you have accident-related interior damage? You could be getting a better deal on car insurance when you compare car insurance rates from multiple companies.

To get a free car insurance quote from a provider near you, enter your ZIP code in our free tool above.

Does insurance cover interior damage?

Yes, car insurance does cover interior damage. However, it isn’t as straightforward as you may expect.

What types of damage to a car’s interior are covered by insurance? That depends on the type of coverage you have and how the interior damage happened to your car.

What type of coverage applies to interior damage?

Two main types of car insurance coverage kick in for interior damage:

  • Firstly, collision insurance covers you if you get into an accident and the interior is damaged as a result.
  • Secondly, comprehensive coverage will help you if your car falls victim to things like acts of nature or vandalism. So if a thief damaged your dashboard or seats, this type of insurance will cover repairs.

State law only requires drivers to carry liability coverage, and adding collision and comprehensive coverage to your policy will increase your rates. Shop around for multiple quotes before you buy comprehensive car insurance to lock in the best price.

Does car insurance cover inside damage from wear and tear?

This is a common question, but sadly, the answer is no. Food stains from your kid’s lunch, cigarette burns, rips in the seats due to sharp objects, and the like are all excluded from coverage.

Now that you know what kind of car insurance will cover interior damage, it’s important that you choose the right insurer so you’re fully covered. Enter your ZIP code below for affordable car insurance quotes from the top auto insurance companies near you.

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Frequently Asked Questions: Does car insurance cover interior damage?

Have more questions about interior damage and car insurance? Here are some answers to frequently asked questions about car insurance.

#1 – What repairs does car insurance cover?

Routine repairs that are due to wear and tear aren’t covered, but higher levels of coverage can cover events out of your control such as being vandalized or storm damage.

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