Best Comprehensive Auto Insurance Companies (2024)
The best comprehensive coverage auto insurance companies will vary by driver. Comprehensive auto insurance quotes average at $12 a month and help pay for damages to your vehicle not caused by an accident, such as fire, theft, and vandalism. The best car insurance companies offering comprehensive coverage for you will depend on your personal information like what type of car you drive.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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
- USAA and American Family offer the lowest auto insurance rates for coverage that includes comprehensive insurance
- Adding comprehensive coverage to your auto insurance will cost about $12 a month
- Comprehensive coverage pays for damages to your vehicle that aren’t the result of an accident, such as fire, theft, vandalism, and acts of nature
The best comprehensive coverage auto insurance companies will vary by driver, but most companies offer comprehensive coverage. Comprehensive coverage is considered an add-on since most states only require liability coverage.
Shop around and compare quotes from the best auto insurance companies out there to find the right coverage at the lowest rates for you.
Enter your ZIP code now to compare free quotes from the most affordable comprehensive coverage auto insurance companies in your area.
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What are the best comprehensive coverage auto insurance companies?
Auto insurance companies look at many different factors when they calculate your rates. They also weigh those factors differently. This means that drivers will see different rates from each company.
The best auto insurance companies for comprehensive coverage will vary by driver. However, we can get a general idea of which companies offer the cheapest coverage that includes comprehensive insurance.
This table shows the average annual rates of the top insurance companies by coverage type. Typically, full or high coverage includes comprehensive coverage:
Auto Insurance Average Monthly Rates By Coverage Type
| Company | High Coverage | Low Coverage | Medium Coverage |
|---|---|---|---|
| Allstate | $428 | $386 | $408 |
| American Family | $285 | $281 | $295 |
| Farmers | $375 | $327 | $347 |
| Geico | $286 | $250 | $268 |
| Liberty Mutual | $530 | $484 | $505 |
| Nationwide | $292 | $283 | $287 |
| Progressive | $363 | $311 | $335 |
| State Farm | $288 | $255 | $272 |
| Travelers | $385 | $352 | $372 |
| USAA | $222 | $200 | $212 |
USAA and American Family offer the cheapest rates for full coverage auto insurance that includes comprehensive coverage. However, USAA only offers coverage to members of the military, veterans, and their families.
Keep in mind that the type of vehicle you drive will affect your comprehensive coverage rates. If you drive an expensive car, repairs or replacement costs will be higher, which will increase your rates.
Is comprehensive insurance full coverage? No, but full coverage usually includes comprehensive and collision coverages.
How much does comprehensive auto insurance coverage cost?
One of the factors that affect auto insurance rates is where you live. State regulations along with traffic and crime rates lend to comprehensive coverage rates changing by state.
This table shows you the average annual rate for comprehensive coverage by state. You will notice that some states are significantly cheaper than others:
Average Annual Comprehensive Auto Insurance Rates by State
| State | Average Annual Comprehensive Rates |
|---|---|
| Alabama | $146.28 |
| Alaska | $141.08 |
| Arizona | $184.20 |
| Arkansas | $183.36 |
| California | $99.29 |
| Colorado | $158.34 |
| Connecticut | $126.02 |
| Countrywide | $138.87 |
| Delaware | $113.23 |
| District of Columbia | $230.25 |
| Florida | $110.12 |
| Georgia | $153.61 |
| Hawaii | $100.09 |
| Idaho | $110.78 |
| Illinois | $117.98 |
| Indiana | $115.02 |
| Iowa | $171.58 |
| Kansas | $230.65 |
| Kentucky | $130.15 |
| Louisiana | $208.59 |
| Maine | $96.66 |
| Maryland | $146.77 |
| Massachusetts | $128.92 |
| Michigan | $147.02 |
| Minnesota | $173.04 |
| Mississippi | $194.74 |
| Missouri | $166.34 |
| Montana | $199.87 |
| Nebraska | $206.24 |
| Nevada | $116.79 |
| New Hampshire | $103.03 |
| New Jersey | $123.18 |
| New Mexico | $166.89 |
| New York | $156.66 |
| North Carolina | $123.00 |
| North Dakota | $227.64 |
| Ohio | $112.74 |
| Oklahoma | $201.56 |
| Oregon | $89.66 |
| Pennsylvania | $132.01 |
| Rhode Island | $122.17 |
| South Carolina | $165.38 |
| South Dakota | $228.59 |
| Tennessee | $135.62 |
| Texas | $186.70 |
| Utah | $106.57 |
| Vermont | $118.31 |
| Virginia | $129.89 |
| Washington | $104.11 |
| West Virginia | $195.04 |
| Wisconsin | $126.34 |
| Wyoming | $222.86 |
On average, adding auto comprehensive insurance to your policy will cost $12 a month. However, the damages comprehensive insurance will cover make the cost worthwhile for most drivers.
What does comprehensive coverage include?
Comprehensive coverage helps pay for damages to your vehicle that don’t come from an accident.
This is a different kind of coverage than liability which pays for damages to another vehicle and collision which pays for damages to your car from an accident.
Examples of what comprehensive insurance covers are:
- Fire
- Theft
- Vandalism
- Floods, hurricanes, and other natural disasters
- Falling debris such as tree limbs and hail
What is the difference between collision and comprehensive auto insurance? Comprehensive coverage won’t help you if your car is damaged in an accident. Collision insurance covers damages to your car from an accident only.
What is comprehensive insurance vs. collision in an example? If a tree falls on your car, your comprehensive coverage would pay. However, if you hit a tree with your car, your collision insurance would pay. Adding collision and comprehensive coverages to your policy will help pay for any damages to your vehicle, whether from an accident or not.
Most states require drivers to have at least a minimum amount of auto insurance, and that is usually just liability coverage. However, four out of five drivers choose to add collision and comprehensive coverage.
If your car is older and not worth much money, it might be smarter to skip comprehensive and collision coverages. In those situations, you can choose to pay for repairs or replacement yourself.
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How to Find the Best Comprehensive Coverage Auto Insurance Companies
The best car insurance companies with comprehensive coverage will vary, but USAA and American Family offer the cheapest auto insurance rates that include comprehensive coverage.
Shop around to find the best deal on comprehensive coverage for you. Compare auto insurance quotes from multiple companies to find comprehensive insurance with the lowest rates.
To compare rates from the best comprehensive coverage auto insurance companies near you for free, enter your ZIP code below now.
Frequently Asked Questions
What is comprehensive auto insurance?
Comprehensive auto insurance is a type of coverage that protects your vehicle against damages that are not caused by a collision with another vehicle. It typically covers incidents such as theft, vandalism, natural disasters, falling objects, fire, and damage from hitting an animal.
How can I determine the best comprehensive auto insurance company for me?
Determining the best comprehensive auto insurance company for you involves considering various factors, such as the company’s reputation, financial strength, customer service, coverage options, discounts offered, and premium rates. Additionally, reading customer reviews and comparing quotes from multiple insurers can provide valuable insights.
Which companies are often considered among the best for comprehensive auto insurance?
While opinions may vary depending on individual needs and preferences, several insurance companies are often recognized for their comprehensive auto insurance offerings. Some reputable names in the industry include but are not limited to:
- State Farm
- Allstate
- Geico
- Progressive
- USAA (available to military members and their families)
- Farmers Insurance
- Nationwide
- Liberty Mutual
- Travelers Insurance
- American Family Insurance
What should I consider when comparing comprehensive auto insurance companies?
When comparing comprehensive auto insurance companies, consider the following factors:
- Reputation: Look for companies with a good track record in customer satisfaction and claims handling.
- Financial strength: Assess the financial stability of the insurance provider by checking their ratings from independent rating agencies.
- Coverage options: Ensure that the company offers comprehensive coverage that meets your needs and includes desired additional features.
- Discounts: Inquire about available discounts, such as multi-policy, safe driving, or bundling options, which can help reduce your premium.
- Customer service: Read reviews or ask for recommendations regarding the company’s customer service responsiveness and support.
- Premium rates: Compare the cost of premiums across multiple insurers, considering the coverage and deductible options provided.
Can I customize my comprehensive auto insurance coverage?
Yes, many comprehensive auto insurance companies offer customizable coverage options. Depending on the insurer, you may have the flexibility to add additional features or adjust the coverage limits and deductibles to align with your specific requirements. It’s advisable to discuss customization options with the insurance company or agent during the quoting process.
How can I obtain quotes from different comprehensive auto insurance companies?
To obtain quotes from different comprehensive auto insurance companies, you can follow these steps:
- Research companies: Identify several insurance companies that offer comprehensive auto insurance and are known for their quality services.
- Visit websites: Visit the websites of these insurance companies and look for online quote request forms or tools.
- Provide necessary information: Fill out the required information on the quote request form, including details about your vehicle, driving history, and coverage preferences.
- Compare quotes: Review the quotes you receive from different companies, comparing the coverage, deductibles, and premiums offered.
- Consider additional factors: Alongside the quotes, consider the reputation, financial stability, and customer reviews of the insurance companies to make an informed decision.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.