Comprehensive Coverage

Comprehensive coverage provides financial protection if your vehicle is damaged in something other than a collision. This includes weather, theft, vandalism, riots, fire, and more. Comprehensive car insurance rates average $160.74/year or $13.40/month. Ways to save on comprehensive auto insurance include comparing multiple quotes, asking about discounts, and increasing your comprehensive deductible.

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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: Feb 17, 2021

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The Highlights

  • Comprehensive coverage is also referred to as “other than collision” and covers damages to your vehicle that occur in non-collision incidents
  • Comprehensive costs an average of $160.74/year or $13.40/month
  • You can save on your comprehensive coverage by increasing your deductible, comparing multiple quotes, and asking about discounts

You’re shopping around and getting ready to compare car insurance, and you think comprehensive coverage sounds like a good idea. But do you need it? Just what is comprehensive insurance? What does it cover? Read this article for everything you need to know about comprehensive coverage.

Ready to shop for affordable comprehensive car insurance coverage? Take a moment to enter your ZIP code in our free tool to start comparing comprehensive car insurance coverage quotes today.

What is comprehensive coverage?

The comprehensive insurance definition states that this coverage provides financial protection for damages to your vehicle caused by something other than a collision. As a result, this coverage is often referred to as “other than collision.” Keep reading for more comprehensive coverage details.

What does comprehensive insurance cover?

Comprehensive insurance covers damages that result from theft, vandalism, fire, weather, falling objects, animals, and civil disturbances like riots. It does not cover damages caused by a collision of any kind.

How does comprehensive insurance work? When you purchase your coverage, you’ll have to select a deductible amount ($500, $1,000, and $1,500 are common options); the higher your deductible, the lower your rates. If your vehicle is damaged in a covered incident, all you have to do is file a claim. You’ll be expected to pay your deductible amount out-of-pocket before the insurance coverage kicks in.

Comprehensive coverage isn’t required by state law, so why should you buy comprehensive insurance? It may be required by your lender if your vehicle is financed. Additionally, if you live in an area that has high vehicle crime rates (you can check this through the FBI’s crime statistics report) or regular weather issues like hurricanes, comprehensive may be worth considering.

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How much does comprehensive coverage cost?

Look at this table for the national average rate for comprehensive coverage, compared to the national average rates for other core coverage options.

National Average Annual and Monthly Rates for Comprehensive Coverage vs. Other Core Coverages
Coverage TypeNational Average Annual Car Insurance RatesNational Average Monthly Car Insurance Rates
Comprehensive Insurance$160.74$13.40
Collision Insurance$305.45$25.45
Liability Insurance$487.88$40.66
Full Coverage Insurance$971.41$80.95
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These rates are national averages you can use as a baseline, but your rates will vary based on your personal circumstances, where you live, etc.

What’s the difference between comprehensive and collision coverage?

In contrast to comprehensive coverage, collision coverage is exactly what it sounds like: insurance that provides financial protection for vehicle damage resulting from an accident or collision.

Comprehensive Coverage: The Bottom Line

What is comprehensive car insurance? Comprehensive car insurance coverage provides you with financial protection if your vehicle is damaged in something other than a collision. This coverage is not required by state law, but if your vehicle is financed, your lender may require you to carry this coverage (along with collision).

The best way to save on comprehensive auto insurance is to compare rates from at least three companies. You can also ask about car insurance discounts and increasing your comprehensive deductible.

Before you go, get ready to buy comprehensive car insurance coverage by using your ZIP code in our free tool to start comparing comprehensive car insurance coverage rates today.

Are you looking for free insurance quotes?

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

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