Collision Coverage
Collision coverage pays to repair or replace your own car after a crash with another vehicle or object, regardless of who was at fault, minus your deductible.
- Brand
- Coverage type
- Category
- Car Insurance Coverage Types
- Released
- Price
- Not published
- VersusAnything Score
- 33/100
Key features
- Repairs your car after a crash
- Pays regardless of fault
- Required by lenders
Best for drivers of newer or financed cars who could not afford to replace them after an accident.
collision coverage specifications
| What it covers | Damage to your car from a crash with a vehicle or object, or a rollover |
|---|---|
| Pays for damage to your own car | Yes |
| Deductible applies | Yes, typically $250-$1,000 |
| Required by law | No |
| Required by lenders/lessors | Yes, almost always |
| Typical annual cost (US, approx.) | Roughly $400-$800 per year added |
| Cost tier (1 = cheapest) | 3 |
| Best for | Newer cars and anyone with a car loan |
| What it does not cover | Theft, weather, animal strikes and vandalism (that is comprehensive) |
Score breakdown
- Overall (100%)
Scored against every car insurance coverage in our database using the car insurance coverage types weighting.
Pros and cons
Pros
- Repairs your car after a crash
- Pays regardless of fault
- Required by lenders
Cons
- Weaker overall score (33/100 within car insurance coverage types)
Compare collision coverage against
Alternatives to collision coverage
- Liability-Only Car Insurance 100/100
- Comprehensive Coverage 67/100
- Full Coverage Car Insurance 0/100
Sources
- collision coverage: Coverage type official (manufacturer)
Specifications last verified: 2026-10-01. Prices are launch or official list prices in US dollars unless stated. See our sources and data policy.