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Compare comprehensive car insurance

Protect yourself from the cost of car damage that’s beyond your control with comprehensive coverage.

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Best cheap coverage: Progressive

  • Broad coverage
  • Transparent pricing tools
  • Accident forgiveness on small claims
  • Stack a variety of discounts for multiple cars
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Comprehensive coverage typically kicks in to help you cover the cost of repairing your car after damage from anything other than a collision with another car. Comprehensive car insurance isn’t legally required, but acts as protection against some of the more unexpected — and uncontrollable — damages that can happen.

What does comprehensive car insurance cover?

Comprehensive insurance protects your car for almost anything other than a collision accident. Damage that’s covered by comprehensive insurance can include:

  • Civil disobedience
  • Damage from animals
  • Explosions and fire
  • Falling objects
  • Glass damage
  • Natural disasters
  • Rental car damage, if your policy extends coverage to cars that you rent
  • Terrorism
  • Theft or vandalism
  • Weather-related incidents

How much does comprehensive car insurance cost?

Comprehensive coverage costs an average of $134 a year when added to your existing policy, according to the Insurance Information Institute. Often you’ll find that comprehensive and collision insurance have to be bought together, which adds another $290 on average.

But 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 quotes from a few companies.

Does comprehensive car insurance 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 what your deductible should be, weigh how much car repairs could cost against how much you’re willing to pay out of your own pocket. The higher you set your deductible, the lower your insurance premiums will be.

Who has the cheapest comprehensive car insurance?

At $167 per month, Travelers comes in as the cheapest car insurance company for policies with comprehensive coverage, catering to a broad range of drivers. Progressive brings the second cheapest comprehensive policy at $171 per month.

However, the cheapest overall is USAA at $165 per month, but you’ll have to qualify as a member of the military first.

CompanyAnnual premiumMonthly rate
USAA$1,980$165
Travelers$2,005$167
Progressive$2,047$171
Geico$2,552$213
Nationwide$2,674$223
Allstate$2,723$227
State Farm2,869$239
Farmers$2,972$248
Liberty Mutual$3,213$268

Compare comprehensive car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Do I need comprehensive car insurance?

Unlike liability insurance, you’re not legally required to have comprehensive coverage — regardless of the state you live in. But that doesn’t mean you won’t need it, or that you shouldn’t otherwise get it.

When to consider comprehensive coverage

You might want to opt for comprehensive insurance if:

  • You finance your car. Financed cars typically are required to have comprehensive and collision coverage by lenders.
  • You live in an area with high rates of car theft. Collision and liability coverage won’t do you any good against theft.
  • Your town has a high incidence of animal collisions. Deer and other especially large animals can cause massive damage to your car, and comprehensive insurance can help cover it.
  • Your area has the potential for severe storms. Damages from hail storms, flooding or tornadoes are all typically included in comprehensive policies.

When to consider skipping comprehensive coverage

The biggest reason you might want to pass on comprehensive insurance is the value of your car. If your car isn’t worth much, it could cost more to keep up insurance than it would to put aside money for repairs or another car.

A good way to tell if your car is worth enough to get comprehensive coverage is to compare the cost of your annual premium and deductible to your car’s value. If the premium and deductible combined are more than your car’s worth, you may be better off without.

However, consider whether you have the cash reserves for another car or a backup car to get around if your lower-value car gets stolen or totaled for a covered reason.

Case study: How comprehensive coverage works

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, and you’re stuck with a $5,000 repair bill.

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

Is comprehensive insurance considered full coverage?

A car insurance policy with just comprehensive coverage isn’t considered full coverage. However, when you combine all state-mandated coverage like liability as well as comprehensive and collision, you get what’s called full coverage insurance.

What isn’t covered by comprehensive car insurance?

You’ll need a different policy type for other kinds of damages, including:

  • Collisions. Collision car insurance covers your own car’s repair bill if you cause a wreck that damages your car.
  • Hit-and-run. Collision or uninsured and underinsured motorist coverage is necessary for protection against a hit-and-run.
  • Injuries. Your comprehensive coverage doesn’t foot the medical bills for you, your passengers or anyone else involved in the accident.
  • Liability. Liability insurance pays for car or property damage or injuries that you may have caused to another driver in an accident.
  • Rental car. A separate type of coverage is needed for rental car reimbursement.

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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 car insurance companies.

Common questions about comprehensive coverage

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