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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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: Sep 19, 2020

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Here's what you need to know...

  • Almost all states have minimum car insurance requirements
  • States only require liability insurance to protect damages caused by other people
  • Collision car insurance covers much more than a hit and run accident

Let’s pretend for a minute your car is parked outside of a store and you come out only to notice the vehicle has been hit and no other driver is around.

You may ask yourself how do I get my car fixed and does my auto insurance cover hit and run accidents?

Well, we are here to answer your questions! Enter your zip code above for FREE car insurance quotes!

Does full coverage insurance cover hit and run?

Almost all states have minimum car insurance requirements. However, accidents like these are almost never covered under any state minimums since any form of hit and run accident is covered by your collision car insurance coverage.

States only require liability insurance to protect damages caused by other people and without opting for additional car insurance such as collision coverage.

The good news is you can report the incident to the police, and if they find the driver, you can then submit a claim to their auto insurance company. Of course, finding the hit and run driver is a pretty big if.

Once you find the driver, the next step is finding who covers hit and run accidents.

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How much is collision car insurance?

In a report published by the National Association of Insurance Commissioners during 2009, the average cost of collision car insurance was $301 annually compared to $475 for liability insurance coverage and $136 for comprehensive coverage.

While this data is a few years old, consumers can still expect around 25 percent of a full coverage car insurance policy to represent the cost of the collision car insurance premium.

Of course, collision car insurance covers much more than a hit and run accident. In fact, it’s the only type of coverage which protects losses to your vehicle from accidents happening while you are driving.

How can I find cheap collision car insurance?

Cheap is not a word we use. Affordable and reliable are the main components of choosing car insurance coverage.

The only way to find the best collision car insurance rates is by starting an online car insurance quote comparison search and comparing providers in your area.

Since auto insurance rates are based on some factors comparing multiple providers is the only logical way to track down the best rates.

Need a collision car insurance quote? Enter your zip code below to get connected with local car insurance companies so you can start auto insurance quote comparison today.


  1. https://www.esurance.com/info/claims/hit-and-run-claims
  2. https://www.allstate.com/auto-insurance/collision-coverage.aspx
  3. https://www.naic.org/
  4. https://www.nationwide.com/collision-insurance-coverage.jsp