Compare comprehensive car insurance coverage | finder.com

Compare comprehensive car insurance

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

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

What does comprehensive coverage include?

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.

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

  • Vandalism and theft
  • Weather-related incidents
  • Damage from animals
  • Natural disasters
  • Explosions and fire
  • Glass damage
  • Falling objects
  • Terrorism

Do I need comprehensive coverage?

Unlike liability insurance, you’re not required to have comprehensive coverage regardless of the state you live in. Whether you should buy comprehensive coverage depends on how much you want to be insured against.

Consider adding comprehensive in these scenarios.

  • You finance your car. Financed cars are typically required by lenders to have comprehensive and collision coverage.
  • You live in a neighborhood that is often targeted for car theft.
  • Your city has a high incidence of animal collisions, especially deer or other large animals that could cause massive damage to your car.
  • Your area has the potential for severe storms, like hail storms, flooding or tornadoes.
  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

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
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare comprehensive car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, 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.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.

Compare up to 4 providers

How much does comprehensive coverage cost?

According to the Insurance Information Institute, comprehensive coverage costs an average of $134 a year when added to your existing policy. Many insurers also offer roadside assistance for free with comprehensive coverage, which is an added plus.

The best way to find the cheapest comprehensive policy is to compare rates from a few providers. Take a look at how much you can expect to pay for car insurance with comprehensive coverage for sample drivers in California.

Rates last updated August 31st, 2019
Insurer Best rate Review links
Progressive $4,578 Read review
Metromile $1,468 Read review
Allstate $3,025 Read review
Geico $5,894 Read review
Esurance $2,386 Read review
Average $3,470 Compare more reviews

What isn’t covered by comprehensive?

  • Hit-and-run. You’ll need collision to be covered in a hit-and-run.
  • Rental car. A separate coverage is needed for rental car reimbursement.
  • Car crash. Whether you are at fault or the other driver is, a car crash is covered by collision, not comprehensive.

Comprehensive typically covers you for anything other than an accident. You’ll need other types of insurance for everything else. For example, liability insurance pays for damages you may have caused to another driver in an accident, and collision coverage covers your car repair bill. 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 comprehensive 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.

Case study: 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.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Comprehensive vs third party liability

Liability insurance encompasses two parts: bodily injury liability and property damage liability. Here’s how liability works: If you’re at fault in an accident, you’re liable for the cost of damages to someone else’s property, as well as the cost of medical care the other driver might incur. Liability does not cover any expenses that you incur.

While liability covers the cost of injury to other drivers and their property, comprehensive ensures that you’re covered for the expense of replacing or repairing your own vehicle and damages that aren’t within your control. Some situations that are covered under comprehensive include natural disasters, fire and theft.

Comprehensive

Pros

  • Covers you in the event of vandalism or theft
  • Covers you for the costs of damages that aren’t within your control
  • Provides the above coverage regardless of who is at fault

Cons

  • Does not cover damage to your car from a collision
  • You’ll have to pay a deductible

Liability

Pros

  • Covers damage to someone else’s property
  • Covers the cost of injury you cause to another person, including medical care, legal help and funeral costs
  • Does not come with a deductible

Cons

  • Does not cover any damage to your own car
  • Does not cover any of your medical expenses
  • Provides only the minimum amount of coverage

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.

Frequently asked questions about comprehensive coverage

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site