Comprehensive Car Insurance Coverage | Bankrate

If you’ve ever read through a full coverage insurance policy, you’ve probably seen comprehensive and collision listed as coverage types. Unlike minimum coverage car insurance, which is required by most states and includes liability insurance for damage you cause to others, collision coverage and comprehensive coverage are each optional, add-on levels of insurance that cover certain types of damage to your own vehicle. This is why some lenders require drivers to carry full coverage car insurance. 

Whereas collision coverage is an added level of financial protection that covers damage to your car caused by colliding with something, comprehensive coverage kicks in when your vehicle is damaged by perils like flooding, theft, vandalism, hitting an animal and other weather-related events. If you’re unsure whether you need this type of additional insurance, our guide to comprehensive coverage might help you decide.

What is comprehensive insurance?

When shopping for car insurance, most people do not think about their car being damaged by anything except another car. However, many claims are made because a vehicle was damaged by a non-collision event, like a flood, vandalism or hailstorm. This is where comprehensive insurance comes in.

Comprehensive auto insurance is a type of supplemental coverage that can be added to your policy in order to financially protect yourself against certain types of damage to your car. Comprehensive coverage doesn’t cover collisions with another vehicle or object, but it does pay to repair or replace your vehicle if it’s damaged in a covered non-collision event. Basically, comprehensive coverage fills in the gaps left by liability and collision coverage.

Purchasing both comprehensive and collision insurance is what most insurance providers mean by the term ‘full coverage car insurance.’

What does comprehensive insurance cover?

First, it’s essential to understand the difference between comprehensive vs. collision coverage. Hitting a stationary object or a pothole falls under collision coverage. Additionally, collision applies to your vehicle’s damage if you hit another vehicle or rollover in a single car accident.

But there are many non-collision situations where your car might become damaged or totaled. If you’re hoping to have insurance cover the repairs or replacement in those situations, you might want to consider purchasing comprehensive coverage, which provides extensive coverage after you pay your deductible. Here are a few of the instances that are typically covered and not covered through comprehensive insurance:

Since the list above accounts for many things that could damage or total your vehicle, most insurance experts advise purchasing a full coverage car insurance policy that includes comprehensive coverage. If your car is leased or financed, full coverage insurance may be required by the lender or leasing company.

How much does comprehensive coverage cost?

At this point, you may be wondering, “How much is comprehensive coverage?” The exact price you’ll pay depends on multiple personal factors, which insurance providers weigh differently. This is why it’s usually a good idea to request quotes from several providers before purchasing a policy.

To give you an idea of what you might pay for full coverage insurance, which includes comprehensive coverage, we looked at data compiled by Quadrant Information Services. As of September 2025, drivers in the U.S. pay an average of $2,671 per year for a policy that includes comprehensive insurance.

Insurance companies consider many different rating factors when calculating the cost of coverage, including:

• Driver’s age (in most states)
• Driver’s gender (in most states)
• Marital status (in most states)
• Driving experience (in years)
• Driving history
• Claims history
• Insurance discounts
• Type of car
• Age of car
• Car ownership status
• Annual mileage
• Credit-based insurance score (in most states)
• Vehicle (location)
• Insurance history
• Amount of coverage you need

The cost of comprehensive coverage also varies depending on your deductible, which is the costs you pay out of pocket in the event of a claim. Some standard deductibles are $250, $500 and $1,000, but more options may exist depending on your carrier. Generally, the higher your deductible, the lower your premium will be for that coverage.

Although choosing a higher deductible can result in a cheaper policy premium overall — which can be appealing — a high deductible may cause financial hardship if you need to file a comprehensive claim. In the event of a claim, you will be required to come up with more out of pocket, which can be challenging if you don’t have money set aside for this type of emergency. For this reason, many insurance professionals advise choosing the highest deductible you can reasonably afford.

Do I need comprehensive insurance?

It depends. Nearly every state has a minimum amount of coverage you must carry, but comprehensive coverage is not one of them. Even though states do not legally require this additional level of coverage, your finance or leasing company will usually require it. Since your lender technically owns your vehicle until it is paid off, it will want to protect its investment from damage.

Even if your vehicle is not financed, consider the following questions before dropping comprehensive from your policy:

• Is there a lot of wildlife in your area?
• Are forest fires a common occurrence at the moment where you live?
• What is the crime rate in your neighborhood?
• Do you get a lot of hail in your state?
• Do you live in a flood zone, according to the FEMA flood map?
• What is the depreciated value of my vehicle?

Even if comprehensive coverage isn’t required, you may consider including it if you live in a risky area for certain incidents. Floridians, for example, may find that the cost of comprehensive coverage is worth it because of the high probability of extreme weather events in their state. If you live in an area with high crime rates, for instance, you might rest assured knowing that your vehicle is covered against theft or vandalism.

Most insurance experts recommend that you consider purchasing comprehensive coverage if you can afford it since it provides such broad financial protection. If you’re concerned about the additional cost, you might speak with your insurance representative and ask how much it will add to your premium. Don’t forget that raising the deductible can help you lower your premium for comprehensive coverage; just be sure that whatever deductible amount you choose is an amount you can afford to pay on short notice.

Frequently asked questions

• When is it okay to drop comprehensive coverage?
  

  Comprehensive coverage is optional if you are not financing or leasing your vehicle, and some drivers drop comprehensive coverage if their car is more than 10 years old. As a vehicle ages, its value depreciates, and some may feel that their car is no longer worth the added expense of comprehensive coverage. For example, if your car is only worth $1,000 and you’re paying $1,800 a year for comprehensive coverage, you’re paying more than the vehicle is worth, so minimum insurance coverage might be a good idea.Rather than drop comprehensive coverage, another option is to adjust your deductible. If you raise your comprehensive deductible, you will be responsible for a larger portion of the cost of repairing your vehicle, but it may lower your premium. If you decrease your deductible, you will increase your chances of your insurer covering more of the repair costs, even as your vehicle depreciates, but it will probably increase your premium. You may want to speak with your insurance agent to review your coverage options to help decide what coverage level is best for you.

• Is comprehensive insurance the same as full coverage?
  

  No, comprehensive coverage is an individual, optional coverage type, although it is generally included as a component of a full coverage car insurance policy. Full coverage usually has three main components: liability coverage for bodily injury and property damage, and collision and comprehensive coverage, which are both optional parts of the policy. However, it’s important to note that there is no single definition of what’s included in full coverage; different providers and lenders may specify different coverage types when speaking about full coverage. Most states require some degree of bodily injury and property damage liability, with some also requiring further coverage like personal injury protection and uninsured motorists.

• When should I file a comprehensive insurance claim?
  

  Although you can typically file a comprehensive car insurance claim for any number of covered events, you may first want to consider if it makes financial sense to do so. For instance, if the cost of repairing your vehicle is less than or slightly more than your comprehensive deductible, you might prefer to pay for repairs out of pocket. This way, you’ll avoid paying more for your insurance premium after filing a claim.

• Does comprehensive insurance cover rental cars?
  

  If you’re renting a vehicle for personal use, your comprehensive coverage usually covers your rental car, although it would be a good idea to review your policy before renting the vehicle to confirm what is covered. If you don’t have comprehensive coverage, or you’re renting a car for business purposes, you may want to purchase a separate rental policy from the car rental company. If you’re hoping to have roadside assistance, check your existing policy for coverage, ask about adding it to the rental insurance you purchase or see if it’s offered as a perk with any of your credit cards.

• Is comprehensive insurance worth it?
  

  Whether comprehensive coverage is worth purchasing depends on your specific situation. For example, if you’re insuring an older vehicle that has greatly depreciated, the higher premium that comes with comprehensive coverage may not be a good value. However, if your car is still valuable and you want to protect your investment, comprehensive coverage might be worth the extra cost.