State Farm Hail Damage Policy for Cars
Filing a comprehensive claim with State Farm for Auto Hail Damage will not increase premium rates.
Hail damage is covered under comprehensive insurance, not collision insurance. Comprehensive coverage protects your vehicle from non-collision incidents such as:
Hailstorms ️
Falling branches
Theft or vandalism
Fire, flood, and animal strikes
Since hailstorms are considered “Acts of God” or natural events, they are not the policyholder’s fault. As a result, insurance companies like State Farm typically do not penalize customers by increasing their premiums when they file a comprehensive claim for hail.
In fact, State Farm’s official guidance states that comprehensive claims, including hail, generally don’t affect your rates, especially if:
It’s your first claim
You have a good driving history
Your overall claim frequency is low
However, multiple claims within a short time or living in a high-risk hail zone may lead to regional rate adjustments over time — but not individual penalties tied to your hail claim.