Comprehensive Coverage — What It Covers & What It Costs
Covers non-collision damage like theft, weather, vandalism, and animal strikes.
Get Your Free Quote$150–$500/yr
Average Cost
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Key Benefits
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Related Coverages
Anyone with a financed or moderately valuable vehicle
Best For
Understanding Comprehensive Coverage
Comprehensive coverage — sometimes called "other than collision" — protects your vehicle against damage from events that aren't traffic accidents. This includes theft, vandalism, fire, hail, flooding, falling objects, and collisions with animals like deer.
Like collision coverage, comprehensive has a deductible you pay before the insurer covers the remaining repair or replacement cost. Many drivers choose a lower deductible for comprehensive because these events are often sudden and unpredictable. Some insurers even offer $0-deductible glass coverage as part of comprehensive.
Comprehensive is typically inexpensive relative to the protection it provides, making it a smart add-on even for drivers who skip collision coverage. It's required by lenders and lessors alongside collision, and it's especially valuable in areas prone to severe weather, high theft rates, or frequent animal crossings.
Key Benefits
- Covers theft, vandalism, fire, and weather damage
- Protects against animal collisions and falling objects
- Often includes glass repair or replacement
- Relatively low cost for broad protection
Limitations to Know
- Does not cover collision damage — that's a separate coverage
- Deductible applies to each claim
- Payout capped at actual cash value
- Not cost-effective on very low-value vehicles
Frequently Asked Questions
What is comprehensive coverage?
Comprehensive coverage — sometimes called "other than collision" — protects your vehicle against damage from events that aren't traffic accidents. This includes theft, vandalism, fire, hail, flooding, falling objects, and collisions with animals like deer.
How much does comprehensive coverage cost?
Comprehensive Coverage typically costs $150–$500/yr. Your actual rate depends on factors like your driving record, location, vehicle, age, and credit score. Comparing quotes from multiple carriers is the best way to find the lowest rate.
Do I need comprehensive coverage?
Anyone with a financed or moderately valuable vehicle, especially in areas with severe weather or high theft. Covers theft, vandalism, fire, and weather damage. Consider your vehicle's value, your financial situation, and whether your lender or state requires this coverage.
How does comprehensive coverage work?
Like collision coverage, comprehensive has a deductible you pay before the insurer covers the remaining repair or replacement cost. Many drivers choose a lower deductible for comprehensive because these events are often sudden and unpredictable. Some insurers even offer $0-deductible glass coverage as part of comprehensive.
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