What Is Comprehensive Car Insurance
Comprehensive car insurance covers damage to your vehicle caused by non-collision events — things like theft, vandalism, severe weather, fire, falling objects, and more. It’s an essential part of a full coverage policy, offering protection against unexpected risks that aren’t related to a crash.
What Does Comprehensive Insurance Cover?
This coverage protects you from a wide range of events, including:
- Theft or attempted theft — e.g., your car is stolen from your driveway.
- Vandalism — e.g., someone scratches or damages your paint.
- Weather damage — hail, floods, hurricanes, wildfires, or tornadoes.
- Fire and explosions — accidental or external fires.
- Falling objects — a tree branch or debris damaging your car.
- Animal damage — hitting a deer or other wildlife.
- Glass breakage — windshield or window damage.
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What’s Not Covered?
Comprehensive insurance does not cover collision-related damage. For example, if you crash into another car or object, you’ll need collision coverage. It also doesn’t pay for:
- Your medical bills (covered by PIP or MedPay)
- Damage to other people’s vehicles (covered by liability)
- Normal wear and tear or mechanical failure
Is Comprehensive Coverage Required?
Like collision, comprehensive insurance isn’t required by state law. However, if you’re financing or leasing your car, your lender will likely require it. If you own your vehicle outright, it’s optional — but still valuable depending on your car’s worth and risk exposure.
How Much Does It Cost?
The cost of comprehensive coverage varies by vehicle, location, and deductible, but it’s usually $15–$30 per month added to your policy. Factors that affect your premium include:
- Car value — newer or luxury vehicles cost more to insure.
- Where you live — high-crime or storm-prone areas raise rates.
- Deductible choice — higher deductibles lower your premium.
- Claims history — multiple past claims can increase costs.
Deductible Options
When you file a claim, you’ll pay your deductible before insurance kicks in. Common deductible options include:
| Deductible | When It Helps | Tradeoff |
|---|---|---|
| $250 | Minimizes out-of-pocket costs | Higher monthly premiums |
| $500 | Balanced option, most common | Moderate premiums |
| $1,000 | Keeps premiums lower | Higher out-of-pocket costs if you file a claim |
Who Needs Comprehensive Coverage?
It’s highly recommended for drivers who:
- Own or lease a newer or high-value vehicle
- Live in areas prone to storms, flooding, wildfires, or theft
- Park outdoors regularly or drive frequently
Comprehensive vs. Collision vs. Liability
Each coverage type protects against different risks:
- Comprehensive — Theft, weather, fire, vandalism, falling objects, animals.
- Collision — Damage from hitting another car or object.
- Liability — Covers injuries and damages you cause to others.
Together, these coverages form the backbone of a full coverage policy.
Is It Worth It?
If your car is worth more than a few thousand dollars or would be expensive to replace, comprehensive coverage can be a smart investment. The cost is typically lower than collision insurance and adds significant protection against common risks.
Frequently Asked Questions About Comprehensive Insurance
Does comprehensive insurance cover hitting a deer?
Yes. Animal-related damage — including deer collisions — is typically covered under comprehensive insurance.
Can I get comprehensive coverage without collision?
Yes. Many insurers allow you to carry comprehensive insurance without collision. This is common for older cars.
Will my comprehensive claim raise my insurance rate?
It might. While comprehensive claims are often less risky than at-fault accidents, multiple claims can increase premiums.
What’s the difference between full coverage and comprehensive insurance?
Comprehensive insurance is one part of a full coverage policy, which also includes collision and liability.
Does comprehensive insurance cover flood damage?
Yes, flood and water damage are covered under comprehensive policies.
Can I drop comprehensive on an old car?
Yes. Many drivers drop it once a car’s value drops below the cost of coverage.
Does comprehensive cover rental cars?
It may, but it depends on your policy. Some insurers extend coverage to rentals, others require add-ons.