Collision Insurance
Covers damage to your vehicle from collisions with other cars or objects, regardless of who's at fault.
What is Collision Insurance?
Collision insurance pays to repair or replace your vehicle if it's damaged in an accident with another vehicle or object. Unlike liability insurance, collision coverage protects your own car regardless of who caused the accident.
This coverage is typically required if you're financing or leasing your vehicle. Even if you own your car outright, collision coverage can protect you from expensive repair costs.
What Does Collision Cover?
Accidents with Other Vehicles
Covers damage from collisions with other cars, trucks, or motorcycles, whether you're at fault or not.
Single-Vehicle Accidents
Pays for repairs if you hit a tree, guardrail, telephone pole, building, or other stationary objects.
Rollover Accidents
Covers damage if your vehicle rolls over, even if no other vehicle is involved.
Pothole Damage
Pays for repairs if your vehicle is damaged by hitting a pothole or other road hazards.
What's NOT Covered?
Weather-Related Damage
Hail, floods, falling trees, and other weather damage require comprehensive coverage, not collision.
Theft or Vandalism
If your car is stolen or vandalized, you need comprehensive coverage instead of collision.
Understanding Deductibles
A deductible is the amount you pay out-of-pocket before insurance kicks in. Common deductibles range from $250 to $1,000.
Lower Deductible ($250-500)
Higher premiums, but less out-of-pocket when you file a claim.
Higher Deductible ($1,000+)
Lower premiums, but more out-of-pocket when you need repairs.
Do You Need Collision Coverage?
Yes, if you:
- Have a car loan or lease (usually required)
- Have a newer or high-value vehicle
- Cannot afford to repair or replace your car out-of-pocket
Maybe not, if:
- Your car is worth less than $3,000-4,000
- You have significant savings to replace your vehicle
Average Cost
Annual Premium
$290-470/year
Varies based on vehicle value, deductible, and driving history
What coverage level do you need?
Choose the protection that matches your requirements