Does car insurance cover riot damage?

Comprehensive car insurance covers riot damage, which falls under "other-than-collision damages." The average comprehensive rates for car insurance to cover riot damage are $106/mo.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

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Here's what you need to know...

  • Civil unrest, such as rioting, can cause unexpected damage to your car
  • Your car insurance can help you recover when rioting occurs as long as you’ve purchased the correct coverage
  • Riot damage falls under the comprehensive coverage option, which protects against damages not caused by a collision
  • It’s important to have this coverage in place before the loss occurs, since you may not be able to purchase coverage once rioting starts
  • Speak to your insurance provider if you have questions about to protect against these losses since they can help you review your policy coverage

When your car is damaged by rioting, this can occur without time to plan ahead or to store your vehicle in a secure location.

Protecting your vehicle from rioting and civil unrest is important, since these often occur without warning, and requires your coverage to be in place before the riot damage occurs.

Carrying comprehensive coverage helps you recover from these losses, though you may have a deductible for any covered claim.

If you are concerned for your car’s safety and want better coverage, compare at least three to four policies today! Enter your ZIP code above to find the best auto insurance!

How can you protect your car from riot damage?

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Is a riot covered by insurance?

Protests or gatherings can occur at unexpected times, and rioting or civil disorder can cause harm to your vehicle at any time. Even protests and rallies that start out peaceful have the potential to turn violent and destructive, causing your car to be damaged unexpectedly.

When your car has been damaged by rioting, it’s often difficult or impossible to assign fault to a specific individual or party.

However, you can help protect your car and your wallet by carrying comprehensive coverage before the loss occurs.

Comprehensive coverage is a type of physical damage coverage that protects you from damages that are not related to a collision with a car or an object, such as:

  • Fire damage
  • Broken windows
  • Oher losses

Even when rioting occurs and you have to file a claim to get your vehicle repaired, you may still have a deductible to pay to get your car fixed.

The deductible is a portion of any covered loss, usually predetermined when you purchase your coverage that you absorb from any claim. A deductible reduces the financial burden on your insurance provider by ensuring only true losses are claimed on your insurance policy.

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What should you remember about rioting and civil unrest?

The most important thing to consider when rioting occurs is your safety; you should not attempt to relocate or protect your car if you cannot do so safely.

Your insurance provider will often recommend taking actions that are only reasonable or necessary, so long as your safety is not compromised, when it comes to protecting your property.

As mentioned earlier, you will often have a deductible for your claim; this deductible applies regardless of fault. You should only file a claim if it’s a reasonable amount of damage, since any damage that falls below your deductible amount may not be covered by your provider.

Speak to your insurance provider about the damage that’s occurred and your policy coverage before filing a claim, since they can help you assess your coverage and the damage you’ve experienced.

They may also advise you on how to document your loss, ways to mitigate additional loss, and what you need to do to get an inspection completed. If your loss meets or exceeds the requirements to file a claim, they can help guide you through the process.


Rioting can occur when you least expect it, which can cause damage to your car or other property; comprehensive coverage can help you recover from these unexpected loss events.

Riots and civil unrest can result in varying amounts and types of damage, so it’s important to be prepared before the loss occurs.

When rioting and civil unrest are occurring in your area, your insurance provider may limit your ability to purchase coverage. Limiting coverage helps prevent policyholders from buying coverage only on the days they need it and canceling coverage right after.

It’s important to talk to your provider about your insurance coverage and how it protects you from these types of losses.

They can discuss your risk factors, including the area you live in and a garage for your car, to help you get the right coverage. Additionally, they may offer risk mitigation choices you can make to reduce your risk.

Want to ensure that your car is covered in any situation? Start comparison shopping today for better auto insurance rates! Enter your ZIP code below!

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