Best Comprehensive Coverage Car Insurance Companies (2021)

USAA, GEICO, and American Family are the best comprehensive coverage car insurance companies in the United States. On average, comprehensive auto insurance is $13 a month. However, your comprehensive insurance rates will vary. Shop around and compare the best comprehensive coverage auto insurance companies to get affordable rates.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 7, 2021

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The Highlights

  • Comprehensive car insurance covers damage that doesn’t involve a collision
  • On average, comprehensive car insurance is $13/mo
  • Comprehensive insurance also covers damage from vandalism and vehicle theft

Are you looking for the best comprehensive coverage auto insurance companies?

Comprehensive insurance coverage is available at the top insurance companies, but you should compare several companies to get the best coverage.

Read this guide to explore which car insurance company provides the best comprehensive insurance policy. Also, we’ll show you how much comprehensive auto insurance costs in several states.

Once you learn everything about the best comprehensive coverage car insurance companies, enter your ZIP code in the free online quote tool to compare multiple companies in your area.

What are the best comprehensive car insurance companies?

The best insurance companies for comprehensive car insurance vary. If you’re not sure where to find reliable coverage, you should start with auto insurance companies with the best market share.

We researched the top car insurance companies for you and found each companies’ estimated monthly rates.

  • Allstate – $45/month
  • American Family – $31/month
  • Farmers – $40/month
  • GEICO – $25/month
  • Liberty Mutual – $56/month
  • Nationwide – $32/month
  • Progressive – $40/month
  • State Farm – $33/month
  • Travelers – $40/month
  • USAA – $23/month
  • Average – $36/month

Although USAA car insurance is the cheapest, it’s only available to members of the U.S. Armed Forces and their immediate families.

GEICO, American Family, and Nationwide are the following companies that are the cheapest. However, your rates could vary. Several factors determine whether affordable comprehensive car insurance is available to you.

Continue reading to learn which personal characteristics impact your auto insurance rates the most.

What factors affect comprehensive car insurance quotes?

Your overall car insurance quotes are based on personal factors. Here’s a list of factors that impact your comprehensive insurance quotes.

  • Age
  • Credit History
  • Commute Mileage (miles driven for the year)
  • Coverage Level
  • Deductible
  • Driving Record
  • Gender (outlawed in some states)
  • Location (the state where you live)
  • Marital Status
  • Vehicle (make and model year)

Comprehensive insurance coverage is affected by these factors because it determines the risk of the driver. Higher rates are associated with a higher risk of filing claims.

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How much are comprehensive car insurance rates?

According to the National Association of Insurance Commissioners (NAIC), the average comprehensive car insurance rate is $13 a month.

However, comprehensive auto insurance varies by state. Let’s see the latest NAIC data on how much comprehensive car insurance costs for each state.

NAIC's Average Monthly Comprehensive Car Insurance Rates by States
StatesAverage Monthly Comprehensive Rates
Alabama$14
Alaska$12
Arizona$16
Arkansas$17
California$8
Colorado$17
Connecticut$11
Delaware$11
District of Columbia$19
Florida$11
Georgia$14
Hawaii$9
Idaho$10
Illinois$11
Indiana$11
Iowa$16
Kansas$21
Kentucky$12
Louisiana$19
Maine$9
Maryland$13
Massachusetts$12
Michigan$13
Minnesota$16
Mississippi$18
Missouri$16
Montana$21
Nebraska$20
Nevada$10
New Hampshire$9
New Jersey$11
New Mexico$15
New York$15
North Carolina$11
North Dakota$20
Ohio$10
Oklahoma$20
Oregon$8
Pennsylvania$13
Rhode Island$11
South Carolina$16
South Dakota$24
Tennessee$13
Texas$19
Utah$10
Vermont$11
Virginia$12
Washington$9
West Virginia$18
Wisconsin$12
Wyoming$23
Countrywide$13
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Every state carries a different risk level. States with more risks are typically higher than average. Meanwhile, states with low risk have cheaper comprehensive auto insurance rates.

Do deductibles impact comprehensive car insurance costs?

The short answer is yes. When you buy comprehensive car insurance, you’ll have a deductible attached. Deductibles range from $200 to $2,000.

Low comprehensive car insurance deductibles produce more expensive rates, but higher deductibles generate more affordable comprehensive auto insurance rates.

Increasing your deductible from $200 to $500 can save you 15% to 30% on auto insurance.

Which discounts can help me save on comprehensive car insurance?

The best insurance companies provide dozens of auto insurance discounts. Any deals you receive will go to your car insurance before and during your policy.

Here are a few discounts that you should consider.

  • Anti-Theft Features Discount – Varies
  • Automatic Payments Discount – At least 2%
  • Defensive Driver Discount – Up to 40%
  • Good Credit Discount – Up to 30%
  • Multi-Policy Discount – Up to 25%
  • Multi-Vehicle Discount – Varies
  • Paperless Billing Discount – At least 2%
  • Pay-In-Full Discount – Up to 5%
  • Safety Features Discount – Up to 15%

The most significant bargains are the defensive driver discount and good credit discount. Combining a clean driving record with good credit can save hundreds of dollars on car insurance.

What does comprehensive car insurance cover?

Comprehensive auto insurance covers unforeseen accidents that don’t involve a collision.

For example, you can get coverage if your car is hit by road debris. But what about other incidents?

Here’s a list of things that are covered by comprehensive insurance.

  • Animal Damage
  • Vandalism (riot damage or civil unrest)
  • Fire Damage
  • Natural Disaster (storms, flooding, hail)
  • Falling Objects
  • Vandalism

If you live in an area where natural disasters occur frequently, comprehensive car insurance is recommended.

Is comprehensive car insurance full coverage?

The answer is no. Comprehensive coverage pays for accidental damage that doesn’t involve collisions with other vehicles. Full coverage car insurance is the total package that includes multiple coverage options.

What does comprehensive car insurance not cover?

Comprehensive auto insurance is no-fault insurance coverage, but it won’t cover the bodily injury of you or other passengers. Also, comprehensive coverage won’t pay for the bodily injury of other drivers.

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How do I file a comprehensive car insurance claim?

Filing a claim for comprehensive car insurance is the same as any other claim. Contact your auto insurance company and let them know you want to file a comprehensive insurance claim.

Provide your name, address, policy number, and photos of the damage. The insurance company will request at least three estimates.

Also, you’ll need to pay your deductible. Your auto insurance company will likely choose the lowest estimate and provide you with the claim check, or you can have your claim sent to the auto repair shop.

Best Comprehensive Coverage Car Insurance Companies: The Bottom Line

Comprehensive auto insurance provides coverage for incidents that you can’t control. You can’t predict the damage from natural disasters or sudden fires.

It’s best if you’re already prepared for the worst-case scenario. Therefore, we recommend comprehensive insurance for all drivers.

Now that you know more about the best comprehensive coverage car insurance companies, use our free comparison tool to compare multiple companies near you.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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