Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 30, 2021

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Key Takeaways

  • Collision car insurance quotes start around $25 a month
  • GEICO offers the lowest rates for coverage that includes collision car insurance
  • Collision coverage helps pay for damages to your car if you cause an accident

Almost all car insurance companies offer collision coverage. However, the rates will be different for every company and every driver.

The only way to find the best collision coverage car insurance companies is to shop around. Compare rates from various companies to find the best coverage at the lowest rates.

Enter your ZIP code now to compare free quotes from the best collision coverage car insurance companies near you.

What are the best collision coverage car insurance companies?

Almost all states require at least a minimum amount of car insurance. However, that minimum is usually just liability coverage.

Liability car insurance pays for damages to another vehicle or bodily injuries to people in the other car if you cause an accident.

Collision coverage is added to your car insurance to cover damages to your vehicle.

All of the top car insurance companies offer collision coverage. However, many different factors that affect car insurance rates, such as age, driving record, and where you live, and each company will charge different rates for each driver.

The type of vehicle you drive and your deductible will also determine which car insurance company offers you the cheapest collision coverage. The table below shows you the average annual rates of car insurance companies that offer multiple types of coverage:

Average Annual Auto Insurance Rates Based on Coverage Type
CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage Annual Rate for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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GEICO and State Farm offer the cheapest car insurance coverage for drivers who want more than just low or liability-only coverage. Although USAA is actually the cheapest, it only offers coverage to active and veteran military members and their immediate families.

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How much does collision car insurance cost?

The cost of collision car insurance coverage will vary. Even the state that you live in can affect your rates.

This table shows you the average annual rate for collision coverage by state. Is your state above or below average?

Average Annual Rates for Collision Coverage by State
StateAverage Annual Auto Insurance Rate for Collision
Alabama$299.10
Alaska$360.18
Arizona$259.31
Arkansas$304.87
California$364.56
Colorado$263.36
Connecticut$348.70
Delaware$296.60
District of Columbia$449.27
Florida$251.30
Georgia$320.45
Hawaii$297.75
Idaho$209.00
Illinois$284.92
Indiana$237.19
Iowa$207.10
Kansas$251.46
Kentucky$255.33
Louisiana$391.03
Maine$249.00
Maryland$331.72
Massachusetts$358.68
Michigan$383.21
Minnesota$214.02
Mississippi$302.96
Missouri$259.65
Montana$254.90
Nebraska$223.50
Nevada$293.78
New Hampshire$281.70
New Jersey$365.23
New Mexico$267.48
New York$358.45
North Carolina$264.58
North Dakota$227.44
Ohio$252.21
Oklahoma$298.21
Oregon$212.47
Pennsylvania$307.31
Rhode Island$377.06
South Carolina$247.62
South Dakota$200.10
Tennessee$290.39
Texas$340.51
Utah$254.41
Vermont$278.38
Virginia$264.70
Washington$250.13
West Virginia$319.10
Wisconsin$209.93
Wyoming$270.48
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Adding collision coverage to your car insurance will cost you about an extra $25 a month. That cost is very low when you consider having to pay out of pocket for damages to your car.

When do you need collision coverage car insurance?

While having collision coverage can help you, knowing when to drop collision insurance can save you money.

How does collision car insurance work? Collision coverage pays for damages to your vehicle if you cause an accident.

Collision coverage will pay for:

  • Damages if you hit another car
  • Damages if you hit an object like a fence or tree
  • Damages if your car rolls over

Collision insurance won’t cover:

  • Damages not from an accident like fire, theft, or hail
  • Damages to another vehicle
  • Bodily injuries and medical bills

If you have a newer vehicle and wouldn’t be able to pay for damages yourself, collision coverage will help you. However, if you have a car that isn’t worth much money, it might be cheaper to pay out of pocket for damages than to carry collision coverage.

If you have a loan on your vehicle, you might not have a choice of the type of insurance you have to carry. Your loan company can dictate to you the type and amount of car insurance you must carry for the duration of your loan.

If you choose not to carry the level of insurance your loan company demands, they will require you to buy coverage from them or the company your car dealer uses, which will come with more expensive rates.

Forced-place car insurance is more expensive than if you added the necessary coverage using your insurance company. Make sure you know your lender’s car insurance requirements so that you aren’t forced to pay more for insurance.

How to Find Affordable Collision Coverage Car Insurance Companies

Every company will charge different rates for collision coverage, but collision car insurance rates average at $25 a month.

Finding the best collision coverage car insurance company for you might require you to compare multiple auto insurance companies to find the cheapest rates.

Before you buy collision coverage car insurance, enter your ZIP code below to compare rates from the best collision coverage auto insurance companies in your area for free.