What Is Comprehensive Car Insurance?

Typically part of a full-coverage policy, comprehensive coverage can pay for repairs when a covered non-collision event damages your vehicle.

Cassie Sheets
Written byCassie Sheets
Cassie Sheets
Cassie SheetsData Journalist
  • 9 years writing data-driven content

  • Lifestyle contributor to 30+ local news sites

Cassie Sheets has a background in home and garden and real estate content. At Insurify, she translates industry jargon into insights that empower insurance buyers.

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Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
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  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated October 29, 2024

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*Quotes generated for Insurify users within the last 10 days. Last updated on October 29, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Comprehensive coverage is a part of full-coverage car insurance, and it can pay to repair or replace your vehicle following a non-collision event. For example, if a severe hailstorm leaves your car dented, your comprehensive coverage can help pay the repair costs.

Along with collision coverage and liability coverage, comprehensive coverage provides greater financial protection for your vehicle than a liability-only policy can. Comprehensive insurance is a good idea if you have a higher-value vehicle. And if you lease or finance your car, your leasing company or lender will require you to buy full-coverage car insurance.

Here’s what to know about comprehensive coverage and how to compare multiple quotes to find affordable full-coverage car insurance.

Quick Facts
  • Comprehensive coverage is typically an affordable addition to your insurance policy. The average annual premium with a $1,000 deductible is $192.

  • If fire, vandalism, bad weather, a falling object, or an animal strike damages your car, or someone steals it or part of it, comprehensive coverage can pay for repairs or to replace your vehicle.

  • Among drivers with liability insurance, about 80% also purchased comprehensive coverage, according to the Insurance Information Institute.

What is comprehensive insurance?

Comprehensive insurance is an optional type of car insurance coverage, and you normally purchase it as part of a full-coverage policy. Along with collision coverage, comprehensive coverage provides financial protection against damage to or a total loss of your vehicle. The liability portion of a full-coverage policy pays for damages to another vehicle and injuries to a driver and their passengers in an accident you cause.

While collision coverage pays if you hit another vehicle or a stationary object like a light pole, comprehensive coverage pays for non-collision events that damage your car.

How comprehensive car insurance works

The cost of comprehensive coverage is part of your total full-coverage policy premium. Your policy will include deductibles for collision and comprehensive, and you’ll choose those amounts when you buy the policy.

Comprehensive coverage comes into play when something other than a collision damages your vehicle.

For example, if a rock flies up off the road and cracks your windshield while you’re driving, comprehensive insurance can pay to replace your damaged glass. You’ll need to file a claim with your insurance company for coverage under the comprehensive component of your full-coverage auto policy.

Whatever the cost is for repairs, you’ll be responsible for paying your comprehensive deductible amount from your own pocket before your insurer pays the balance — up to your policy limits.

What comprehensive insurance covers

Comprehensive insurance covers non-collision damage. That might sound simple, but as with so many coverage types, including collision and mechanical breakdown insurance, it can be confusing to determine which claims each coverage in your policy applies to.

Comprehensive car insurance provides coverage for:[1]

  • Stolen vehicles and car parts

  • Vandalism

  • Damage from natural disasters, like hurricanes, tornadoes, and floods

  • Fire damage

  • Hail, wind, and storm damage

  • Damage from hitting an animal

  • Windshield or glass damage from rocks or other objects

  • Damage from vehicle break-ins

  • Damage from falling objects, such as tree branches

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Learn More: When is a Car Considered Totaled?

Learn More: When is a Car Considered Totaled?

What comprehensive insurance doesn’t cover

Some types of damage require a different coverage type in your auto insurance policy. Comprehensive car insurance won’t cover the following:

  • Accidents that involve another vehicle or object

  • Swerving to avoid an animal and hitting an object instead

  • Damage from potholes

  • System breakdowns, including your engine, transmission, and air conditioning

  • Normal wear and tear to your vehicle’s belts, brakes, windshield wipers, or tires

  • Medical expenses, pain and suffering, or funeral bills in the case of a fatal accident

Editor’s Experience

Evelyn Pimplaskar

Evelyn Pimplaskar

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Editor-in-Chief, Director of Content, Insurify

My husbands car was stolen from his gyms parking lot. Even though it was paid off, we had comprehensive coverage on it because we knew it would be expensive to repair if he got into an accident. If we hadnt kept comprehensive, wed have had to pay for a new car entirely out of pocket.

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How much comprehensive car insurance costs

The average cost of comprehensive coverage is $16 per month — or $192 per year — for policyholders with a $1,000 deductible, according to Insurify data. But you can increase your deductible if you want to lower your monthly expenses. Policyholders with a $2,000 deductible pay an average of $6 per month — $72 per year — for comprehensive coverage.

Ultimately, you need to weigh your ability to pay for damages out of pocket against your monthly expenses. While a less expensive premium might sound more appealing, you need to pay your full deductible up front before your insurance company covers the rest. A policy with a lower deductible is a better fit if you don’t want the risk of significant unexpected expenses.

Pros and cons of comprehensive car insurance

Before making a decision about comprehensive car insurance, it’s important to weigh the advantages and disadvantages of having it, as well as the possible risks and savings of not having it.

Pros
  • Greater financial protection for leased, financed, or high-value vehicles

  • Pays to repair or replace your vehicle in case of theft or vandalism

  • If you cause a non-collision incident that damages or totals your car, comprehensive can pay for your losses

Cons
  • Won’t pay for any personal items inside your vehicle

  • Adding comprehensive coverage can increase your premium

  • May not be worth it if you have an older, paid-for vehicle with a low value

Factors that affect the cost of comprehensive coverage

Insurance companies consider many pieces of information — called “rating factors” — when deciding how much your premium will be, including:[2]

  • Where you live

  • Local weather conditions

  • How many miles you drive annually

  • Your age and gender

  • Your driving and credit histories

  • The year, make, and model of your vehicle

  • Your state’s minimum coverage requirements

  • Whether your vehicle has certain safety features

The deductible amount you choose and your coverage limits particularly affect the cost of your comprehensive coverage. Generally, a larger deductible means a lower premium, while a smaller deductible means higher premiums.

How to save on comprehensive car insurance

Comprehensive coverage is a relatively small part of your overall car insurance premium. But you can take steps to hold down the cost of your auto policy, including the comprehensive portion of it:

  • illustration card https://a.storyblok.com/f/162273/150x150/f93e5c7ccc/banking-96x96-orange_017-coins.svg

    Increase your deductible

    Choosing a higher comprehensive deductible amount, like $1,000 instead of $500, will yield a lower monthly premium. Just be sure you can cover the deductible amount easily if you need to file a claim.

  • illustration card https://a.storyblok.com/f/162273/150x150/f9afeb546b/car-sharing-96x96-green_040-shield.svg

    Choose lower coverage limits

    A lower comprehensive and collision coverage limit can mean a lower premium. But you should take care to buy enough coverage to fully protect your financial investment in your vehicle.

  • illustration card https://a.storyblok.com/f/162273/150x150/3b97fae014/money-96x96-blue_033-magnifying-glass.svg

    Look for discounts

    Auto insurance companies usually offer a number of discounts to help policyholders save. You may qualify for multiple, such as discounts for bundling (buying car and home or renters insurance from the same company), safe driving, being a good student, driving fewer miles in a year, and more.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Comparison shop

    Comparing car insurance quotes from multiple companies can help you find the best coverage at the lowest price available to you.

  • illustration card https://a.storyblok.com/f/162273/150x150/834da573df/car-and-driving-96x96-orange_023-driving-test.svg

    Drive safely

    Your driving history is the most important rating factor in determining your premiums. Practice safe driving by avoiding speeding, hard braking, and aggressive driving.

  • illustration card https://a.storyblok.com/f/162273/150x150/96ac3e2e7e/protection-and-security-96x96-blue_041-credit-card.svg

    Polish your credit

    Insurers use information from consumer credit reports to generate credit-based insurance scores. These scores help insurers predict your likelihood of filing a claim. Generally, the better your credit, the better your credit-based insurance score — and the lower your premium.

Do you need comprehensive car insurance?

You need comprehensive car insurance if you lease or finance your vehicle. Your lender or leasing company will require you to have comprehensive insurance as part of a full-coverage car insurance policy to protect its financial interest in your vehicle.

Otherwise, comprehensive coverage is optional. While every state except New Hampshire requires drivers to buy at least liability coverage, none require full-coverage car insurance.

Though you can drive legally without comprehensive coverage, nearly four out of five drivers purchase additional comprehensive or collision coverages, according to the Insurance Information Institute.[3] If you drive a high-value vehicle, full coverage with comprehensive coverage can make financial sense. But if you have an older, high-mileage, paid-off vehicle that has a low cash value, you probably don’t need comprehensive coverage.

Comprehensive vs. other types of coverage

Two main types of car insurance are available — liability only, also known as minimum coverage, and full coverage, which includes liability, comprehensive, collision, and other optional coverages. It’s important to understand your options and the differences in coverage types so you can ensure you pay for exactly the coverages you need.

Comprehensive coverage vs. collision coverage

Comprehensive and collision coverage both help pay for repairs after a covered loss. The difference is that collision coverage pays for vehicle repairs or replacement if you’re in an accident with another driver or you hit objects like fences, poles, or guardrails. Collision coverage also pays for damage from potholes. On the other hand, comprehensive coverage pays for damage unrelated to a crash.

Comprehensive coverage vs. full coverage

Most drivers want protection from expensive repairs, no matter the cause. Full-coverage car insurance is a combination of coverages that provides significantly more protection than a liability-only policy. You should always check your policy for details, but a full-coverage auto policy typically includes comprehensive, collision, personal liability, and medical payments coverages.

Comprehensive coverage vs. liability coverage

If you cause an accident, your liability coverage pays for damages to the other driver’s vehicle and any injuries the other driver or their passengers suffer. Liability coverage doesn’t pay to repair or replace your vehicle, and it won’t help pay your medical expenses if you’re at fault for a crash.

Comprehensive coverage, on the other hand, pays to repair or replace your vehicle if it’s damaged by a covered non-collision event. And it pays regardless of who’s at fault — you, an unknown vandal, or an animal that jumps in front of your moving vehicle.

Recent quotes for other Insurify users

Drivers have found policies from Anchor, Just Insure, Safeco, and more, for rates as low as $37/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on October 29, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 29, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Comprehensive car insurance FAQs

Insurance jargon can lead to a lot of confusion about which situations specific policies cover. Insurify breaks down some of the most common questions about comprehensive coverage below so you can choose the best policy for you.

  • What does ‘comprehensive’ mean in car insurance?

    Calling insurance coverage “comprehensive” can make it sound like the policy covers everything. But that’s not the case. Comprehensive auto insurance helps pay for non-collision damage to your car. For example, comprehensive coverage pays for damages from theft, vandalism, weather, falling objects, and animals. In some places, it’s called “other than collision” or OTC coverage.

  • Which is better: Collision or comprehensive?

    Comprehensive and collision coverage serve two different purposes, so one isn’t better than the other. Collision coverage helps pay for accidents involving another vehicle or stationary objects, like a guardrail. But if you hit a deer, comprehensive insurance covers those damages. Comprehensive coverage also helps pay for rodents chewing through wires and animals running into your car.

  • Is a $500 deductible or $1,000 deductible better?

    That depends. If you want a lower monthly premium payment and can afford to cover a large out-of-pocket expense when you file a claim, a $1,000 comprehensive deductible may be good for you. But if you couldn’t cover a large expense in case of a claim, a $500 deductible might be better. Just keep in mind that your monthly payment will be slightly higher.

  • Is comprehensive car insurance mandatory?

    States don’t require drivers to buy full-coverage car insurance, although you’ll have to carry at least a minimum amount of liability coverage to legally drive in every state but New Hampshire. But if you lease or finance your vehicle, your leasing company or lender can require you to buy full coverage — including comprehensive — to protect its financial interest in your vehicle.

  • Is comprehensive car insurance worth it?

    If you don’t own your vehicle outright, comprehensive insurance is definitely worth having. Not having it could prompt your lender or leasing company to take action against you, like putting force-placed insurance on your car. It can also be worth it if you have a high-value vehicle, even if it’s paid off. But if you have an older vehicle that you own outright and that has a lower cash value, it’s probably not worth buying comprehensive coverage for it.

Sources

  1. III. "What is covered by a basic auto insurance policy?."
  2. Insurance Information Institute (Triple-I). "What determines the price of an auto insurance policy?."
  3. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
Cassie Sheets
Cassie SheetsData Journalist

Cassie Sheets has more than nine years of experience creating compelling content for clients, brands, and local news sites. She started her career at Movoto Real Estate, where she transformed dry data into interesting insights for potential homebuyers. She’s since covered a wide range of topics, from pop culture news to home and garden trends.

Before joining Insurify, Cassie wrote engaging landing pages and blog posts for medical practices at MyAdvice. Now, she uses her knack for diving into the latest data and pulling out key details to empower insurance buyers.

Cassie holds a BFA in Creative Writing from Columbia College Chicago. In her free time, you can find her exploring the city with her dog, trying not to fall over in yoga classes, and petting cats at the shelter.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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