Comprehensive Coverage
Comprehensive coverage pays for damage to your car from events other than a crash: theft, fire, flood, hail, falling objects, vandalism and animal strikes.
- Brand
- Coverage type
- Category
- Car Insurance Coverage Types
- Released
- Price
- Not published
- VersusAnything Score
- 67/100
Key features
- Covers theft and weather damage
- Usually cheaper than collision
- Includes windscreen in many policies
Best for owners in areas with high theft, storms, wildlife or street parking.
comprehensive coverage specifications
| What it covers | Theft, fire, flood, hail, vandalism, falling objects, animal strikes, glass |
|---|---|
| Pays for damage to your own car | Yes, for non-collision events |
| Deductible applies | Yes, often lower than collision |
| Required by law | No |
| Required by lenders/lessors | Yes, almost always |
| Typical annual cost (US, approx.) | Roughly $150-$400 per year added |
| Cost tier (1 = cheapest) | 2 |
| Best for | Cars parked outside or in storm- and theft-prone areas |
| What it does not cover | Crash damage (that is collision) and damage you cause to others |
Score breakdown
- Overall (100%)
Scored against every car insurance coverage in our database using the car insurance coverage types weighting.
Pros and cons
Pros
- Covers theft and weather damage
- Usually cheaper than collision
- Includes windscreen in many policies
- Strong overall score (67/100 within car insurance coverage types)
Cons
- No weak scoring group in its category
Compare comprehensive coverage against
Alternatives to comprehensive coverage
- Liability-Only Car Insurance 100/100
- Collision Coverage 33/100
- Full Coverage Car Insurance 0/100
Sources
- comprehensive 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.