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Collision vs. Comprehensive Car Insurance

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Aug 17, 2021

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Key Takeaways

  • Collision car insurance provides coverage regardless of fault
  • Comprehensive insurance covers damage to a vehicle that doesn’t involve a collision
  • Auto loan lenders require drivers to get full coverage car insurance

If you’re looking to find out how collision vs. comprehensive auto insurance works, you’ve come to the right place.

Ready to compare collision vs. comprehensive car insurance? Our guide explains everything you need to know about comprehensive and collision insurance, how much both coverage options cost, and where to find cheap car insurance.

Ready to compare quotes now? Enter your ZIP code in the free comparison tool above to find an affordable collision vs. comprehensive insurance company near you.

What’s the difference between collision and comprehensive car insurance?

Collision auto insurance provides coverage for property damage expenses regardless of fault in an accident.

Meanwhile, comprehensive auto insurance provides coverage for accidents that don’t involve collisions. Comprehensive auto insurance covers unforeseen incidents, such as:

  • Sudden Car Fire
  • Natural Disasters
  • Animal Damage
  • Vandalism
  • Car Theft
  • Falling Objects

Is comprehensive car insurance full coverage? No, but full coverage auto insurance typically includes a combination of both or more coverage options.

Most car insurance companies include collision and comprehensive insurance in full coverage policies, and you will have to pay deductibles on each policy.

How much are collision vs. comprehensive car insurance rates?

According to the National Association of Insurance Commissioners (NAIC), collision auto insurance is $29 a month on average. Comprehensive auto insurance is $13 per month on average.

However, these rates vary when you examine car insurance by state. Here’s a list of average collision and comprehensive insurance rates for each state:

NAIC's Collision vs. Comprehensive Car Insurance Rates by State
StatesAverage Monthly Collision RatesAverage Monthly Comprehensive Rates
Alabama$28$14
Alaska$31$12
Arizona$25$16
Arkansas$29$17
California$36$8
Colorado$25$17
Connecticut$32$11
Delaware$28$11
District of Columbia$41$19
Florida$26$11
Georgia$30$14
Hawaii$27$9
Idaho$20$10
Illinois$27$11
Indiana$22$11
Iowa$19$16
Kansas$23$21
Kentucky$24$12
Louisiana$37$19
Maine$23$9
Maryland$31$13
Massachusetts$34$12
Michigan$37$13
Minnesota$20$16
Mississippi$29$18
Missouri$24$16
Montana$23$21
Nebraska$21$20
Nevada$27$10
New Hampshire$26$9
New Jersey$33$11
New Mexico$24$15
New York$34$15
North Carolina$26$11
North Dakota$22$20
Ohio$24$10
Oklahoma$27$20
Oregon$20$8
Pennsylvania$29$13
Rhode Island$36$11
South Carolina$24$16
South Dakota$19$24
Tennessee$27$13
Texas$33$19
Utah$23$10
Vermont$26$11
Virginia$25$12
Washington$24$9
West Virginia$28$18
Wisconsin$20$12
Wyoming$24$23
Countrywide$29$13
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Location is one of the most significant factors to determine car insurance rates, but several other factors also impact whether affordable collision vs. comprehensive car insurance is available to you. Shop around so you don’t risk overpaying for collision or comprehensive car insurance.

How do deductibles affect collision and comprehensive car insurance rates?

Carrying a lower deductible will drive up your auto insurance rates, but you’ll pay less out of pocket in the event of an accident. However, a higher deductible will lower your monthly insurance payments.

High deductibles could be a problem after an accident, and a $1,000 deductible may sting a little, especially for a small claim. Compare collision vs. comprehensive car insurance quotes online before changing your deductibles to ensure you’re getting the best deal.

When are collision and comprehensive coverage required?

It depends on whether you own your vehicle. Collision and comprehensive insurance are only required if you’re still making payments on your car.

If you own the car you drive, you don’t have to carry collision and comprehensive coverage.

Should I get collision car insurance?

It depends on your situation. We recommend that you buy collision auto insurance. Collision insurance can protect you from out-of-pocket costs and help you get repairs or a new vehicle.

When to Remove Comprehensive Car Insurance

Knowing when to drop collision car insurance and comprehensive coverage is key to protecting yourself in an accident. Collision insurance is recommended for high-valued or imported vehicles, but you may not need or want collision insurance if you drive an older car.

The same goes for comprehensive coverage. If the vehicle’s repair cost exceeds the value, the car is a total loss. Therefore, auto insurance companies won’t recommend comprehensive coverage.

Collision vs. Comprehensive Car Insurance: What’s the bottom line?

Collision and comprehensive auto insurance are critical coverages that most drivers should have. Both coverage options can save you hundreds of dollars.

However, if it would cost more to repair your vehicle than it is worth, you do not need to carry collision or comprehensive car insurance.

Before you decide to buy collision vs. comprehensive car insurance, use our free online quote tool to compare quotes from multiple companies in your area.

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