USAA comprehensive insurance covers damage to the policyholder’s car that was caused by something other than a collision, such as vandalism or a natural disaster. USAA comprehensive coverage will pay up to the actual cash value of the vehicle, minus any deductible, for covered repairs.
What USAA Comprehensive Car Insurance Covers
Vandalism and damage from civil disturbances
Damage from falling objects, like trees
Animal damage, including damage caused by collisions with deer
Damage from natural disasters and other weather events, like hail
Glass damage that was not caused by a car accident
Comprehensive insurance is not mandatory in any state. However, dealerships and lenders generally require it on leased and financed cars in order to protect their investment.
Drivers almost always purchase comprehensive insurance together with collision insurance, which pays to repair or replace the covered vehicle after a car accident regardless of who was at fault. Policies that include comprehensive and collision insurance plus the state’s minimum coverage requirements are often referred to as “full coverage.”
You can log into your online account on the USAA website or call customer service at 1 (800) 531-8722 to add comprehensive insurance to your policy.
A good comprehensive deductible is an amount that the policyholder can afford to pay if their vehicle is suddenly damaged by something other than a car accident, such as vandalism or a natural disaster. Comprehensive insurance deductibles typically range from $100 to $1,000, but they can sometimes be as high as $2,500. You choose your … read full answerdeductible when you purchase your policy, and the higher the deductible is, the lower your premium will be.
Comprehensive Deductible Example
As a reminder, a comprehensive deductible is the amount that you have to pay out-of-pocket when filing a comprehensive insurance claim. For example, if a hailstorm causes $5,000 in damage to your car and you have a $1,000 deductible, your insurance company will only pay $4,000 for the repairs.
How to Choose Your Comprehensive Deductible
Before you decide on a deductible, you should consider how likely you are to file a comprehensive claim. If you live in an area that is prone to natural disasters or has a high crime rate, for instance, it may be a good idea to get a low comprehensive deductible.
Yes, comprehensive insurance covers theft. Comprehensive auto insurance coverage will pay to replace a stolen car, repair damage done by thieves, or replace stolen parts, though it will not cover personal possessions stolen from inside a vehicle. It usually won’t pay to repair or replace custom parts or other equipment added by the driver, either.… read full answer
Comprehensive coverage, which pays for non-accident damage resulting from things like natural disasters and theft/vandalism, is limited to the actual cash value (ACV) of a vehicle, minus the policyholder’s deductible. Comprehensive deductibles often range from $500 to $1,500.
To receive a comprehensive insurance payout for theft, drivers should immediately file a police report and then include a copy when they file a claim with their insurance company.
Yes, USAA insurance rates are competitive, since the company is one of the five cheapest insurers nationally, according to WalletHub’s cheap car insurance analysis. USAA car insurance costs an average of $487 per year, or $41 per month.
USAA’s car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote, as do your eligibility for discounts.… read full answer
Sample USAA Car Insurance Rates
Average Annual Cost of Minimum Coverage
$1,581 per year
$737 per year
$575 per year
$487 per year
$500 per year
Note: These rates are approximations based on sample quotes from USAA. Actual rates will vary.
To learn more about how we obtained these sample quotes, check out the methodology section of our complete USAA car insurance review.
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