Comprehensive vs. Collision Insurance: What is the Difference
Comprehensive and collision coverage isn’t legally required, but it is useful for many drivers.
Collision and comprehensive coverage are often sold as a package. Both pay to fix damage to your own car or replace it entirely — but they don’t cover injuries or damage to anyone else’s property.
Comprehensive vs. collision insurance
Comprehensive and collision insurance are two of the most important types of car insurance to understand. They’re not legally required by any state, but they can pay for damage to your car in a variety of situations.
The main difference between comprehensive and collision insurance is the situations covered. Collision insurance pays for damage to your car if you hit an object or another vehicle, while comprehensive coverage pays for theft or damage from causes such as bad weather, fire or fallen trees. Some insurers require that you purchase collision and comprehensive insurance together, while other insurers may allow you to purchase these two types of coverage separately.
Collision insurance pays for:
- Damage to your car in an accident you cause.
- Damage to your car if you hit an object such as a fence or pole.
- Damage to your car if someone else hits you. Another option in this case is to make a claim against the other driver’s liability insurance.
Comprehensive insurance pays for:
The actual cash value of your car if it’s stolen and not recovered, and damage from:
- Weather such as tornadoes or hail.
- Floods.
- Fire.
- Falling objects.
- Explosions.
- Crashes with an animal, such as striking a deer.
- Riots and civil disturbances.
- Vandalism.
Do I need comprehensive and collision insurance?
You should consider buying comprehensive and collision insurance if:
- You lease your vehicle or took out a loan to buy it. Your lender or leasing company probably requires you to carry collision and comprehensive coverage.
- You couldn’t afford to replace or significantly repair your car if you crashed it or someone stole it.
- Your area has a high incidence of car theft, vandalism, severe weather (like hail) or animal collisions.
About 80% of all U.S. drivers buy comprehensive coverage, and 76% buy collision, according to the Insurance Information Institute, which based its analysis on 2021 data from the National Association of Insurance Commissioners[1].
You probably don’t need comprehensive and collision insurance if your car is older and not worth a lot. That’s because the maximum payout you’ll get in a comprehensive or collision claim will be for the current market value of your car, minus the deductible.
If your car’s value is low, consider whether the potential payout would be worth the increase in premiums you’ll pay for the additional coverage. Remember, too, that the deductible amount will be subtracted from any claims check.
How much comprehensive and collision coverage cost
Adding comprehensive and collision coverage to your policy will increase your car insurance premium. That’s because you’ll be upgrading your coverage so it also pays for damage to your own vehicle, not just others’ injuries or property damage.
To get realistic comparisons, we compared March 2025 rates for minimum-coverage policies and policies with comprehensive, collision and higher liability limits. Together these three types of coverage are commonly considered “full coverage” car insurance.
Here are median monthly rates for a 35-year-old driver with good credit and no recent traffic violations or accidents.
Median monthly rate for a full coverage policy with comprehensive and collision coverage
$193
Median monthly rate for a minimum coverage policy without comprehensive or collision coverage
$52
Median rates for full and minimum coverage insurance can vary widely based on your personal characteristics and your state of residence. To see rates specific to different driver profiles, ages, locations and more, check out our analysis of average car insurance costs.
How to save on comprehensive and collision insurance
Average annual rates can vary by hundreds of dollars, so it’s worth shopping around for car insurance quotes from several companies to make sure you’re getting the best deal.
Another way to save money is by raising your comprehensive and collision deductibles. An insurance deductible is a predetermined amount that is subtracted from a claim payout. Many policies offer options as high as $2,000. But do this only if you’re prepared to spend more of your own funds to fix or replace your car.
