Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Mar 26, 2021

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Just What's Essential

  • Collision insurance covers damage to your vehicle regardless of who is at fault
  • Comprehensive insurance pays for damage from falling objects, vehicle theft, and other accidents
  • On average, collision is more expensive than comprehensive coverage

Are you trying to decide if collision coverage or comprehensive coverage is better? Comparing collision vs. comprehensive insurance isn’t as complicated as it seems.

This collision vs. comprehensive car insurance guide explores the average cost of both coverage options, the difference between them, how they work, and how you can buy affordable car insurance.

Why stop at collision vs. comprehensive insurance coverage? Use our free comparison tool above to compare the best companies in your local area.

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

One of the most frequently asked questions is, “what is comprehensive insurance vs. collision insurance?” Continue reading to learn about the specifics of comprehensive and collision coverage.

What is comprehensive coverage? Comprehensive insurance is coverage that pays for your damage to your vehicle that doesn’t involve a collision.

Collision insurance covers the cost of damage to your vehicle regardless of who’s at fault in an accident. That means your car insurance company will pay for damages to your car even if you caused the accident.

What does comprehensive insurance cover?

Comprehensive car insurance only covers accidental damage that doesn’t involve a collision, such as a vehicle fire, falling objects, storm damage, flooding, and even vehicle theft.

If your car is a total loss, car insurance companies will cut a check based on the depreciated value (fair market value).

What doesn’t comprehensive insurance cover? Comprehensive coverage won’t cover damage from collisions, bodily injury, or damage you’ve done to another driver’s vehicle.

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Collision vs. Comprehensive Car Insurance Rates

What about cost? Collision car insurance costs more than comprehensive car insurance.

Let’s compare annual collision vs. comprehensive insurance rates to get an idea of what you could pay for collision insurance and comprehensive insurance.

American Family vs. GEICO Average Monthly Rates Based on Age
AgeAmerican Family Average Monthly PremiumGEICO Average Monthly Premium
Teenagers$317.50$292.33
20's$140.42$119.83
30's$140.42$101.50
40's$90.75$99.08
50's$90.7596.67
60's$80.67$88.75
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Collision coverage is much more expensive in every state. According to the National Association of Insurance Commissioners (NAIC), comprehensive auto insurance is $189 cheaper per year than collision auto insurance.

Collision vs. comprehensive insurance quotes vary for each person.

Some of the factors to consider when buying collision or comprehensive insurance are your location, vehicle, age, and driving record.

Do I need a deductible for collision or comprehensive car insurance?

A common collision vs. comprehensive coverage FAQ is whether you have a deductible for collision or comprehensive insurance. The answer is yes.

You’ll need to pay as deductible for the collision and comprehensive claim to start—the higher your deductible, the lower your car insurance rate.

Why do you need collision or comprehensive car insurance?

In some cases, you’ll need both car insurance coverages. When you’re financing a car through a lender, they’ll require you to get full coverage.

Full coverage insurance is when collision and comprehensive insurance are added to your policy. It’s essential for the latest model vehicles, and it saves you from expensive out-of-pocket costs.

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

Comprehensive and collision insurance similar in that they provide coverage for your car. However, these two insurance options won’t cover bodily injury.

Overall, collision is more expensive, but it covers you when you’re at fault. Meanwhile, comprehensive coverage pays for all those unexpected accidents that happen outside of driving.

Now that you know more about comparing collision vs. comprehensive insurance, enter your ZIP code in the free online tool to compare multiple companies near you.