Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Compare comprehensive car insurance

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

Updated . What changed?

Fact checked

Best cheap coverage: Progressive

Progressive logo
  • Broad coverage
  • Transparent pricing tools
  • Accident forgiveness on small claims
  • Stack a variety of discounts for multiple cars
Get quotes

A collision with another car isn’t the only risk you run on the road. To protect your vehicle from some of the other dangers found on and off the road, you may want to consider comprehensive car insurance.

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 offering full coverage policies to many policyholders. Progressive brings the second cheapest 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.

In car insurance terms, full coverage means all state-mandated coverage as well as comprehensive and collision.

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.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
loading

Compare up to 4 providers

What is comprehensive car insurance and how does it work?

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. You can think of comprehensive car insurance as protection against some of the more unexpected — and uncontrollable — damages that can happen.

Damages covered by comprehensive insurance can include:

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

What isn’t covered by comprehensive car insurance?

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

  • Hit-and-run. Collision or uninsured and underinsured motorist coverage is necessary for protection against a hit-and-run.
  • Rental car. A separate type of coverage is needed for rental car reimbursement.
  • Car crash. A car crash is covered by collision insurance, regardless of who’s at fault.

Comprehensive typically covers your car 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 car insurance covers your car repair bill.

When you combine liability, comprehensive and collision policies, you get what’s called full-coverage insurance.

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 are typically 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 just put aside money for repairs or replacement.

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.

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.

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

More guides on Finder

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 finder.com 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