Best Comprehensive Coverage Car Insurance Company (2024)
USAA, GEICO, and American Family are the best comprehensive coverage car insurance companies in the United States. On average, comprehensive auto insurance is $13 a month. However, your comprehensive insurance rates will vary. Shop around and compare the best comprehensive coverage auto insurance companies to get affordable rates.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Mar 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Comprehensive car insurance covers damage that doesn’t involve a collision
- On average, comprehensive car insurance is $13/mo
- Comprehensive insurance also covers damage from vandalism and vehicle theft
Are you looking for the best comprehensive coverage auto insurance companies?
Comprehensive insurance coverage is available at the top insurance companies, but you should compare several companies to get the best coverage.
Read this guide to explore which car insurance company provides the best comprehensive insurance policy. Also, we’ll show you how much comprehensive auto insurance costs in several states.
Once you learn everything about the best comprehensive coverage car insurance companies, enter your ZIP code in the free online quote tool to compare multiple companies in your area.
What are the best comprehensive car insurance companies?
The best insurance companies for comprehensive car insurance vary. If you’re not sure where to find reliable coverage, you should start with auto insurance companies with the best market share.
We researched the top car insurance companies for you and found each companies’ estimated monthly rates.
- Allstate – $45/month
- American Family – $31/month
- Farmers – $40/month
- GEICO – $25/month
- Liberty Mutual – $56/month
- Nationwide – $32/month
- Progressive – $40/month
- State Farm – $33/month
- Travelers – $40/month
- USAA – $23/month
- Average – $36/month
Although USAA car insurance is the cheapest, it’s only available to members of the U.S. Armed Forces and their immediate families.
GEICO, American Family, and Nationwide are the following companies that are the cheapest. However, your rates could vary. Several factors determine whether affordable comprehensive car insurance is available to you.
Continue reading to learn which personal characteristics impact your auto insurance rates the most.
What factors affect comprehensive car insurance quotes?
Your overall car insurance quotes are based on personal factors. Here’s a list of factors that impact your comprehensive insurance quotes.
- Age
- Credit History
- Commute Mileage (miles driven for the year)
- Coverage Level
- Deductible
- Driving Record
- Gender (outlawed in some states)
- Location (the state where you live)
- Marital Status
- Vehicle (make and model year)
Comprehensive insurance coverage is affected by these factors because it determines the risk of the driver. Higher rates are associated with a higher risk of filing claims.
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How much are comprehensive car insurance rates?
According to the National Association of Insurance Commissioners (NAIC), the average comprehensive car insurance rate is $13 a month.
However, comprehensive auto insurance varies by state. Let’s see the latest NAIC data on how much comprehensive car insurance costs for each state.
NAIC's Average Monthly Comprehensive Car Insurance Rates by States
States | Average Monthly Comprehensive Rates |
---|---|
Alabama | $14 |
Alaska | $12 |
Arizona | $16 |
Arkansas | $17 |
California | $8 |
Colorado | $17 |
Connecticut | $11 |
Delaware | $11 |
District of Columbia | $19 |
Florida | $11 |
Georgia | $14 |
Hawaii | $9 |
Idaho | $10 |
Illinois | $11 |
Indiana | $11 |
Iowa | $16 |
Kansas | $21 |
Kentucky | $12 |
Louisiana | $19 |
Maine | $9 |
Maryland | $13 |
Massachusetts | $12 |
Michigan | $13 |
Minnesota | $16 |
Mississippi | $18 |
Missouri | $16 |
Montana | $21 |
Nebraska | $20 |
Nevada | $10 |
New Hampshire | $9 |
New Jersey | $11 |
New Mexico | $15 |
New York | $15 |
North Carolina | $11 |
North Dakota | $20 |
Ohio | $10 |
Oklahoma | $20 |
Oregon | $8 |
Pennsylvania | $13 |
Rhode Island | $11 |
South Carolina | $16 |
South Dakota | $24 |
Tennessee | $13 |
Texas | $19 |
Utah | $10 |
Vermont | $11 |
Virginia | $12 |
Washington | $9 |
West Virginia | $18 |
Wisconsin | $12 |
Wyoming | $23 |
Countrywide | $13 |
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Every state carries a different risk level. States with more risks are typically higher than average. Meanwhile, states with low risk have cheaper comprehensive auto insurance rates.
Do deductibles impact comprehensive car insurance costs?
The short answer is yes. When you buy comprehensive car insurance, you’ll have a deductible attached. Deductibles range from $200 to $2,000.
Low comprehensive car insurance deductibles produce more expensive rates, but higher deductibles generate more affordable comprehensive auto insurance rates.
Increasing your deductible from $200 to $500 can save you 15% to 30% on auto insurance.
Which discounts can help me save on comprehensive car insurance?
The best insurance companies provide dozens of auto insurance discounts. Any deals you receive will go to your car insurance before and during your policy.
Here are a few discounts that you should consider.
- Anti-Theft Features Discount – Varies
- Automatic Payments Discount – At least 2%
- Defensive Driver Discount – Up to 40%
- Good Credit Discount – Up to 30%
- Multi-Policy Discount – Up to 25%
- Multi-Vehicle Discount – Varies
- Paperless Billing Discount – At least 2%
- Pay-In-Full Discount – Up to 5%
- Safety Features Discount – Up to 15%
The most significant bargains are the defensive driver discount and good credit discount. Combining a clean driving record with good credit can save hundreds of dollars on car insurance.
What does comprehensive car insurance cover?
Comprehensive auto insurance covers unforeseen accidents that don’t involve a collision.
For example, you can get coverage if your car is hit by road debris. But what about other incidents?
Here’s a list of things that are covered by comprehensive insurance.
- Animal Damage
- Vandalism (riot damage or civil unrest)
- Fire Damage
- Natural Disaster (storms, flooding, hail)
- Falling Objects
- Vandalism
If you live in an area where natural disasters occur frequently, comprehensive car insurance is recommended.
Read more: Does my car insurance cover damage caused by a riot or civil unrest?
Is comprehensive car insurance full coverage?
The answer is no. Comprehensive coverage pays for accidental damage that doesn’t involve collisions with other vehicles. Full coverage car insurance is the total package that includes multiple coverage options.
Read more:
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What does comprehensive car insurance not cover?
Comprehensive auto insurance is no-fault insurance coverage, but it won’t cover the bodily injury of you or other passengers. Also, comprehensive coverage won’t pay for the bodily injury of other drivers.
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How do I file a comprehensive car insurance claim?
Filing a claim for comprehensive car insurance is the same as any other claim. Contact your auto insurance company and let them know you want to file a comprehensive insurance claim.
Provide your name, address, policy number, and photos of the damage. The insurance company will request at least three estimates.
Also, you’ll need to pay your deductible. Your auto insurance company will likely choose the lowest estimate and provide you with the claim check, or you can have your claim sent to the auto repair shop.
Case Studies: Best Comprehensive Coverage Car Insurance Companies
Case Study 1: The Smith Family’s Comprehensive Coverage With USAA
The Smith family, consisting of two parents and two teenage drivers, wanted to find the best comprehensive coverage car insurance company to protect their vehicles. After researching various options, they decided to go with USAA due to its positive reputation and comprehensive coverage offerings.
With USAA’s competitive rates and excellent customer service, the Smith family felt confident in their choice.
Case Study 2: Affordable Comprehensive Coverage With GEICO
John, a young professional living in a metropolitan area, was in search of affordable comprehensive car insurance. After comparing quotes from several companies, he found that GEICO offered the most competitive rates for comprehensive coverage.
With GEICO’s user-friendly online platform and excellent discounts, John was able to secure comprehensive coverage that fit his budget.
Case Study 3: American Family’s Comprehensive Coverage for New Car Owners
Sarah recently purchased a brand-new car and wanted comprehensive coverage to protect her investment. She researched different insurance providers and decided to go with American Family.
The company’s comprehensive coverage options, including protection against theft, vandalism, and natural disasters, gave Sarah peace of mind knowing that her new car was well-protected.
Case Study 4: Nationwide’s Comprehensive Coverage for Families
The Johnson family, consisting of parents and three young children, needed comprehensive coverage that would provide adequate protection for their family vehicles.
After considering different insurance companies, they chose Nationwide for its comprehensive coverage options tailored to families. Nationwide’s additional benefits, such as accident forgiveness and roadside assistance, made it an ideal choice for the Johnsons.
Best Comprehensive Coverage Car Insurance Companies: The Bottom Line
Comprehensive auto insurance provides coverage for incidents that you can’t control. You can’t predict the damage from natural disasters or sudden fires.
It’s best if you’re already prepared for the worst-case scenario. Therefore, we recommend comprehensive insurance for all drivers.
Now that you know more about the best comprehensive coverage car insurance companies, use our free comparison tool to compare multiple companies near you.
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Frequently Asked Questions
Can I lower the cost of comprehensive coverage by raising my deductible?
Yes, raising your deductible can lower the cost of comprehensive coverage. However, it’s important to make sure that you choose a deductible amount that you can afford to pay out of pocket in the event of a claim.
How is the cost of comprehensive coverage determined?
The cost of comprehensive coverage is determined by factors such as the make and model of your vehicle, your driving history, and your location. You may also be able to save money on comprehensive coverage by bundling it with other types of insurance, such as home or renters insurance, or by taking advantage of discounts for things like safe driving or having multiple policies with the same provider.
What are some of the best comprehensive coverage car insurance companies?
Some of the best comprehensive coverage car insurance companies include Allstate, Geico, State Farm, Nationwide, and Progressive. However, the best company for you will depend on factors such as your location, driving record, and individual coverage needs. It’s important to compare quotes and coverage options from multiple providers to find the best fit for you.
What factors should I consider when choosing a comprehensive coverage car insurance company?
When choosing a comprehensive coverage car insurance company, you should consider factors such as the company’s reputation, coverage options, customer service, and pricing. You may also want to look for companies that offer additional benefits, such as roadside assistance or accident forgiveness.
What is comprehensive coverage in car insurance?
Comprehensive coverage in car insurance covers damage to your vehicle that is not caused by a collision with another vehicle. This can include things like theft, vandalism, fire, natural disasters, and falling objects.
Do I need comprehensive coverage?
Whether or not you need comprehensive coverage will depend on your individual circumstances. If you have a newer or more expensive vehicle, comprehensive coverage can provide valuable protection against non-collision damage. However, if your vehicle is older or has a low value, it may not be worth paying for comprehensive coverage.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.