The Short of It

  • Comprehensive auto insurance covers damages to your vehicle that aren’t accident-related
  • Damages covered include fire, theft, vandalism, hail, and other natural disasters
  • Comprehensive coverage may be required if you finance a vehicle

Comprehensive auto insurance can be added to your insurance policy and may be required if you have a car loan. This type of coverage pays to repair or replace your vehicle if it is damaged from something other than a collision, such as fire, theft, or vandalism.

Finding affordable comprehensive auto insurance is pretty easy. Most insurers offer it, and it’s usually very inexpensive.

But, you should shop around before you buy comprehensive auto insurance to make sure you get the best deal. Just enter your ZIP code now to compare comprehensive auto insurance quotes near you.

What is comprehensive auto insurance?

The comprehensive insurance definition says that it helps pay to replace or repair your car if it is damaged from something other than an accident.

But, what does comprehensive insurance cover exactly? Some damages that are covered under comprehensive auto insurance are:

  • Theft
  • Vandalism
  • Natural events like tornados, hurricanes, fire, flood, hail, falling debris
  • Riots
  • Damage from animals like deer or squirrels
  • Windshield and glass damage

Comprehensive doesn’t cover damages to your car from an accident, damages to another vehicle, or bodily injuries.

Comprehensive car insurance averages $12 a month but prices will vary based on many different factors. The comprehensive deductible and payout limits that you set will affect your rates, as well as the cost of your vehicle.

What is comprehensive car insurance vs. collision insurance?

Comprehensive insurance shouldn’t be confused with collision coverage. Collision auto insurance pays for damages to your vehicle in the case of an accident.

It’s easy to tell these two coverages apart. For example, if a tree limb falls on your car, comprehensive coverage pays. But, if you swerve to miss a deer and hit a tree, collision pays.

Who needs comprehensive auto insurance?

Adding additional coverages to your car insurance policy allows you to customize the policy to fit your needs.

Comprehensive insurance is very popular because you can’t usually control damages from natural disasters or theft. In fact, the Insurance Information Institute reports that four out of five drivers add comprehensive coverage.

If you finance your car, your lender may require you to carry comprehensive insurance. Lenders want to make sure their investments are covered if damages occur.

You may also consider adding the coverage if you live in an area prone to natural events, riots, or theft.

However, you may decide not to add comprehensive coverage if you have an older car that isn’t worth much money. It may be less expensive for you, in the long run, to just pay out of pocket for any repairs.

Now that you know what is comprehensive coverage and why you need it, you can find the best coverage for you.

To compare comprehensive auto insurance rates, enter your ZIP code now.