Comprehensive Insurance
Protects your vehicle from theft, vandalism, weather damage, and other non-collision incidents beyond your control.
What is Comprehensive Insurance?
Comprehensive insurance, often called "other than collision" coverage, protects your vehicle from damage caused by incidents that don't involve hitting another vehicle or object. It covers a wide range of unexpected events that are typically beyond your control.
This coverage is usually required if you're financing or leasing your vehicle and is highly recommended even for owned vehicles to protect against expensive non-collision damage.
What Does Comprehensive Cover?
Theft & Vandalism
Covers the cost if your car is stolen or damaged by vandalism, including broken windows, slashed tires, or keyed paint.
Weather Damage
Pays for damage from hail, floods, hurricanes, tornadoes, lightning strikes, and other severe weather events.
Animal Collisions
Covers damage from hitting deer, dogs, or other animals. This is one of the most common comprehensive claims.
Falling Objects
Pays for damage from falling trees, branches, rocks, or other objects that land on your vehicle.
Fire & Explosion
Covers damage from fires, explosions, or smoke damage to your vehicle.
Glass Damage
Pays for windshield cracks or other glass damage. Many policies offer glass coverage with no deductible.
Civil Disturbance
Covers damage from riots, civil unrest, or civil commotion.
Comprehensive vs. Collision
| Coverage Type | What It Covers |
|---|---|
| Comprehensive | Theft, weather, animals, vandalism, falling objects |
| Collision | Accidents with vehicles or objects, rollovers |
Do You Need Comprehensive Coverage?
Yes, if you:
- Have a car loan or lease (usually required)
- Live in an area prone to theft, vandalism, or severe weather
- Park your car on the street or in high-risk areas
- Drive in areas with heavy wildlife activity
Average Cost
Annual Premium
$134-210/year
Comprehensive is typically cheaper than collision coverage
What coverage level do you need?
Choose the protection that matches your requirements