Collision vs. Comprehensive Car Insurance in 2025 (Coverage Comparison Guide) – CarInsurance.org

What does car insurance cover? Understanding the difference between collision vs. comprehensive car insurance is crucial for protecting your vehicle.

Collision car insurance covers accidents with other vehicles or property, while comprehensive coverage applies to non-collision events, such as theft, fallen trees, or hitting an animal.

This article breaks down the key differences between collision and comprehensive insurance, helping you understand which protection best fits your needs.

We explore coverage costs across major insurers, with USAA leading the market at $55 monthly for collision and $15 a month for comprehensive insurance. Discover essential coverage features, available discounts, expert tips, and cheap car insurance quotes by entering your ZIP code.

Collision vs. Comprehensive Car Insurance Explained

Do I need comprehensive and collision insurance? Knowing what each of these policies covers can help you determine how much insurance you need for a car. Collision insurance provides damage coverage related to accidents, regardless of fault, and comprehensive coverage safeguards against non-collision incidents such as theft, vandalism, fire, or weather.

Is comprehensive insurance full coverage? The answer depends on how you define “full coverage.” Generally, full coverage includes both comprehensive and collision policies, as well as minimum liability.

Collision vs. comprehensive auto insurance is important for those who need to cover a greater variety of accidents, especially in areas at risk for weather-related events such as hurricanes and wildfires. These two coverages work together to provide complete protection.

Learn More: Where can I get cheap full coverage car insurance?

What Comprehensive vs. Collision Car Insurance Covers

The table highlights how car insurance works and the key differences between collision and comprehensive coverage. Collision insurance covers accident-related damage, while comprehensive coverage pays for non-collision incidents.

Collision vs. Comprehensive Car Insurance Coverage Comparison

Comparing Comprehensive vs. Collision Car Insurance Costs

Collision and comprehensive coverage costs can vary widely, but collision coverage always costs more than comprehensive insurance. USAA and Geico have the cheapest monthly rates for both types of policies.

Collision vs. Comprehensive Car Insurance Monthly Rates by Provider & Coverage

If you decide to buy full coverage, which combines comprehensive and collision car insurance with your state’s minimum liability, rates are higher. However, full coverage is still cheaper than buying each type of insurance separately.

Your insurance deductible will also impact rates. The deductible is the amount you pay out-of-pocket before insurance kicks in, and your rates will be higher if you choose a lower deductible. If you use your car insurance deductible for a claim, expect your collision vs. comprehensive car insurance quotes to be higher.

Compare costs from multiple companies, as each has different coverage limits and exclusions, to get better rates. For instance, the Progressive collision coverage limit helps ensure that you’re covered in case of an accident, but choosing higher limits will lead to higher premiums.

Top Insurance Discounts for Collision & Comprehensive Insurance

Stop overpaying for comprehensive and collision insurance by comparing quotes and discounts from multiple providers. This table showcases the various discounts offered by top insurance companies for both collision and comprehensive coverage, highlighting the benefits of being a claim-free and low-mileage driver.

Collision vs. Comprehensive Car Insurance Discounts by Provider

If you drive less than 12,000 miles annually, you’ll get the biggest discounts from collisions vs. comprehensive car insurance companies like Allstate, Progressive, and State Farm. USAA, Geico, and Liberty Mutual have cheaper car insurance for multiple vehicles by offering savings for families with more than one car.

Read More: How to Lower Your Car Insurance Costs

Choosing Between Collision vs. Comprehensive Insurance

The main difference between collision vs. comprehensive car insurance is what each policy covers. Collision is more expensive, starting at $55 per month, and pays for damages from collisions with other vehicles or stationary objects. Comprehensive coverage applies to claims for weather damage, vandalism, theft, and more not related to a collision.

USAA is the most affordable collision vs. comprehensive car insurance company for military members, while Geico has the lowest rates in most states, starting at $15 per month.

Regardless of the provider you select, taking advantage of discounts like anti-theft devices, safe driving programs, and multi-car policies can help reduce your insurance costs while maintaining the protection you need for both collision-related and non-collision incidents. See if you’re getting the best deal on car insurance by entering your ZIP code.