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Comprehensive insurance is coverage that helps pay for the cost of damage to your vehicle when you're involved in an accident not caused by a collision. Comprehensive car insurance covers losses from things like theft, vandalism or extreme weather events.
Comprehensive coverage is never required by state law, but it is usually needed for cars that are leased or financed.
What Comprehensive Insurance Covers
- Theft
- Vandalism
- Damage from falling objects
- Flood damage
- Fire damage
- Damage from animals
- Damage from natural disasters
- Glass damage, such as a cracked windshield
Why You Should Get Comprehensive Insurance
You should consider buying comprehensive coverage if you cannot afford to pay out of pocket to repair or replace your car in a worst-case scenario. Comprehensive insurance is usually considered to be a good investment since it’s cheaper than other types of car insurance and covers events that are out of your control as a driver. A good rule of thumb is that if the cost of comprehensive insurance exceeds 10% of your vehicle’s value, you can consider dropping it.
To learn more, check out WalletHub’s guide to comprehensive insurance.
People also ask
What does comprehensive insurance cover?
Comprehensive insurance covers damage to your car caused by events other than collisions with other vehicles or stationary objects. For example, comprehensive insurance helps pay for damage from vandalism, natural disasters, fire, and theft, but it does not cover vehicle repairs after hitting a car.
What Comprehensive Insurance Covers
- Theft
- Vandalism
- Floods
- Fires (not related to a collision)
- Natural disasters
- Animal damage (including hitting a deer or...
Is comprehensive insurance the same as full coverage?
No, comprehensive insurance is not full coverage, but it is a key component of full coverage car insurance, along with collision insurance and any state-mandated types of coverage. Comprehensive insurance covers non-accident-related vehicle damage caused by things like vandalism or a natural disaster.
Comprehensive Insurance vs. Full Coverage
| Aspects | Comprehensive Insurance | Full Coverage Insurance |
| Average Annual Cost | ... | $1,997 |
Does comprehensive insurance cover a hit-and-run?
No, comprehensive insurance does not cover a hit-and-run collision. Hit-and-runs are usually covered by collision insurance, while comprehensive insurance covers non-accident damage (which could include vandalism done to a car by an unidentified perpetrator).
In other words, a hit-and-run accident does not qualify for comprehensive coverage since it involves a collision with another vehicle, but hit-and-run vandalism would be covered by comprehensive insurance.
You can also use uninsured motorist coverage to pay for damage caused by a...
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