Comprehensive Coverage — What It Covers & What It Costs

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.