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Comprehensive Coverage

Compare comprehensive coverage

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Get comprehensive coverage to protect yourself from car damage that’s beyond your control.

Unlike what the term implies, comprehensive coverage doesn’t insure you for everything. Comprehensive typically kicks in for anything other than collision. Think of comprehensive car insurance as protection against some of the more unexpected damages to your car.

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What is comprehensive coverage?

Different insurance policies kick in if you’re involved in a car accident. For example, liability insurance pays for damages you may have caused, and collision coverage covers your car repair bill.

Comprehensive coverage insures against damages not within your control, such as:

When you combine liability, comprehensive and collision, you get what’s called full coverage car insurance that covers you from almost any kind of car damage.

Does it come with a deductible?

Comprehensive 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.

What is a deductible?

The deductible is what you’ll pay before your insurance company will pay a claim.

Let’s say you file a claim to your insurance company for a $5,000 car repair bill. Your insurance covers you for that amount, but it includes a $500 deductible. This means you must pay $500 out of your own pocket before your insurance will cover the other $4,500.

Comprehensive coverage in action

You always park your car on the street after coming home from work. One night, a tree falls on your car, smashing the hood of your car. You’re now stuck with a repair bill of $5,000.

Luckily, you have comprehensive coverage. After you pay your $500 deductible, your insurance covers the additional $4,500 for your car repair.

Why should I buy comprehensive coverage?

Unlike liability insurance, you’re not required to have comprehensive coverage regardless of the state you live in.

When people think of car insurance, they typically think of liability coverage. However, hitting another vehicle or object isn’t the only way your car can be damaged. Comprehensive coverage protects you from unusual incidents that are difficult to control.

Whether you should buy comprehensive coverage depends on how much you want to be insured against. You’re not required to have it, but it could offer peace of mind.

Consider the risk of your car being damaged or stolen, taking into account your neighborhood, the weather in your region and other factors. For example, if your area is often targeted for car thefts, it may be a good idea to get comprehensive coverage.

How much does comprehensive coverage cost?

According to the Insurance Information Institute, comprehensive coverage costs an average of $134 a year.

How do I buy comprehensive coverage?

Your insurance provider will likely offer comprehensive coverage. Contact your car insurance provider and ask about adding comprehensive to your policy.

Compare companies that offer comprehensive car insurance

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
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 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
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.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
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 CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Bottom line

Comprehensive coverage offers protection against noncollision auto damage. It can offer peace of mind knowing you’re covered when the unexpected happens. To find the best price, compare different providers.

Find the cheapest rates

Compare the best car insurance companies near you.

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