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Compare collision coverage

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Collision coverage pays for costs if your vehicle is damaged.

If you’re at fault in an accident, your liability insurance kicks in and pays for the other driver’s costs. For your own vehicle repairs, you’ll need collision coverage.

What is collision coverage?

While driving, you could hit another vehicle or a stationary object. After, you’ll probably get your car fixed or replaced. If you have collision coverage, you’ll be covered for most of the costs you incur.

Collision coverage doesn’t cover costs for damage to other people’s property. You’ll need property damage liability coverage for that. It also doesn’t pay for others’ medical expenses — only bodily injury liability coverage will reimburse those expenses.

Furthermore, collision coverage usually won’t protect you against costs for damage that’s classified under “acts of God or nature.” This might include a tree hitting your car or an angry mob vandalizing your vehicle. You’ll most likely need comprehensive coverage to pay for those costs.

Does it come with a deductible?

Collision coverage comes with a deductible. You’ll choose how much you want your deductible to be when you’re buying insurance. To decide, weigh how much car repairs would cost against how much you’d want to pay out of your own pocket. The higher you set your deductible, the lower your insurance premiums will be.

Collision coverage in action

While cruising in your car, you miss a stop sign and ram into another vehicle in the intersection.

Both your car and the other vehicle are in rough shape, so repairs are definitely in order. Your liability insurance will cover the costs for the other party. Meanwhile, your collision insurance will help you with your costs — luckily so, as your bill comes out to $4,500. After you pay your $500 deductible, your insurance covers you for the rest of the $4,000.

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Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
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Compare car insurance with collision coverage

Name Product Roadside assistance New car protection Accident forgiveness Available states
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

Why should I buy collision coverage?

If you’re involved in an accident, your liability insurance will cover you for damage to someone else’s vehicle. However, you probably need to get your own car fixed too — which can be expensive if you’re paying out of your own pocket.

With collision coverage, you won’t be blindsided by a massive car repair bill. After you pay your deductible, your collision coverage will absorb the rest of the cost.

How much does collision coverage cost?

According to the Insurance Information Institute, collision coverage typically costs around $290 a year.

How do I buy collision coverage?

Your current insurer will offer collision coverage. Simply contact your car insurance provider and ask for more details.

Bottom line

It’s an excellent idea to add collision to your existing car insurance coverage. It will ensure that you don’t pay an arm and a leg for your car repair bill.

But don’t be afraid to shop around for the best price. You can find coverage that works for you by comparing providers using our insurance comparison tool.

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