Yes — and in Chicago, it’s one of the most important coverages you can carry. Comprehensive covers theft, vandalism, hail, and animal strikes — none of which collision coverage touches. With over 23,000 vehicles stolen in Chicago in 2024 alone and the city ranking among the top three theft markets in the country, treating comprehensive as optional is a significant financial risk. If your vehicle is financed or leased, your lender already requires it. If it’s paid off, the math still usually favors keeping it.