Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Written by Rachael Brennan
Licensed Agent for 15 Years Rachael Brennan

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 Chris Harrigan

UPDATED: Jun 29, 2022

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Key Takeaways

  • The lowest comprehensive insurance rates are offered by USAA and American Family
  • Comprehensive insurance coverage averages $12 a month
  • Comprehensive coverage helps pay for damages to your vehicle not caused by an accident, such as fire, natural disasters, and vandalism

Although most companies offer comprehensive coverage, the best comprehensive coverage car insurance companies will be different for every driver.

Most states only require drivers to carry liability coverage, but you can add comprehensive coverage for around $12 a month.

To find the best car insurance companies for you, shop around and compare quotes from multiple companies.

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

What are the best comprehensive coverage car insurance companies?

Car insurance companies look at many different factors when determining your rates. Everything from your age, gender, marital status, and ZIP code to what car you drive goes into calculating your rates.

Insurance companies also look at all of those factors differently, which means that rates will vary from company to company.

Although which auto insurance company is best for comprehensive coverage will be different for each driver, we can see which companies offer the cheapest coverage that includes comprehensive insurance.

This table shows the average annual car insurance rates from top companies by the type of coverage offered. High or full coverage usually includes comprehensive.

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
American Family$3,368.49$3,544.37$3,416.40
Liberty Mutual$5,805.75$6,058.57$6,356.04
State Farm$3,055.40$3,269.80$3,454.80
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Although USAA and American Family offer the lowest rates, USAA only offers insurance to members of the military, veterans, and their family members.

One of the biggest factors that will determine your comprehensive coverage rates is the type of car you drive. Cars that are expensive to repair or replace will see higher insurance rates.

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How much does comprehensive car insurance coverage cost?

Car insurance rates also differ from state to state. This is generally because each state will have its own set of insurance rules and regulations that affects the rates and coverages offered.

This table shows the average annual rate for comprehensive coverage by state. Some states are much more expensive than others. How does your state fare?

Average Annual Auto Insurance Rates for Comprehensive Coverage by State
StateAverage Annual Auto Insurance Rate for Comprehensive Coverage
District of Columbia$230.25
New Hampshire$103.03
New Jersey$123.18
New Mexico$166.89
New York$156.66
North Carolina$123.00
North Dakota$227.64
Rhode Island$122.17
South Carolina$165.38
South Dakota$228.59
West Virginia$195.04
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Adding comprehensive coverage will cost you around $12 a month. This is very cheap considering all of the damages comprehensive insurance will cover.

What does comprehensive coverage include?

Comprehensive coverage helps pay for damages to your vehicle not caused by an accident.

But what is comprehensive car insurance and how is it different than collision coverage?

While liability coverage pays for damages to another vehicle and collision coverage pays for damages to your vehicle if you cause an accident, comprehensive coverage doesn’t involve an accident.

Some examples of damages comprehensive insurance covers are:

  • Vandalism
  • Theft
  • Fire
  • Natural disasters like floods and hurricanes
  • Hail, falling tree limbs, and other debris

The difference between comprehensive and collision coverages might be confusing. This example can help explain it.

If you are driving and your car slides off the road and hits a tree, your collision insurance will pay for the damages.

However, if your car is parked in your driveway and a tree limb falls on it, comprehensive coverage will handle the damages.

Is comprehensive insurance full coverage? No, but comprehensive is a part of full coverage. Full coverage car insurance usually includes liability, collision, and comprehensive coverages.

Although most states only require liability coverage, the Insurance Information Institute reports that four out of five drivers add collision and comprehensive to be fully covered.

However, there might be a good reason to skip collision and comprehensive coverages. If your car is older and repairs would not be costly, you might want to only carry liability coverage.

Keep in mind, if you lease your car or have a car loan, you might not have a choice. Most lenders require you to carry full coverage car insurance.

Best Comprehensive Coverage Car Insurance Companies: The Bottom Line

The best car insurance companies offering comprehensive coverage will vary, but USAA and American Family offer the cheapest rates for coverage that includes comprehensive.

To find the best comprehensive coverage with the lowest rates, shop around and compare various companies.

Enter your ZIP code now to compare rates from the best comprehensive coverage car insurance companies in your area for free.