Compare comprehensive car insurance

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

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What is comprehensive car insurance?

Comprehensive coverage typically kicks in for anything other than a collision with another car. Think of comprehensive car insurance as protection against some of the more unexpected damages that can happen.

What’s covered by comprehensive car insurance?

Damages covered by comprehensive insurance can include:

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

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 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. Whether you are at fault or the other driver is, a car crash is covered by collision insurance.

 
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 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.

Consider adding comprehensive in these scenarios.

  • 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 city 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.

 

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Choose from a long list of discounts and coverage for almost any driver.

  • 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
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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How much does comprehensive car insurance 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.

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 are willing 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.

 

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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 different providers.

Frequently asked questions about comprehensive coverage

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