Best Collision Coverage Auto Insurance Companies (2021)

The best collision coverage auto insurance companies will vary by driver, but collision insurance rates average $25 a month. Collision coverage pays for damages to your vehicle if you cause an accident. When comparing the best auto insurance companies with collision coverage, take into consideration the type of vehicle you own and the deductible you want.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 31, 2021

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Things to Remember

  • Collision auto insurance coverage is around $25 a month
  • Collision insurance pays for damages to your vehicle in an accident that you cause
  • GEICO offers the lowest average insurance rates that include collision coverage

The best auto insurance companies out there offer multiple types of car insurance to fit every need. Coverages and rates depend on many different factors.

Finding the best collision coverage auto insurance companies can be time-consuming because most companies offer collision coverage. Each company will charge different rates for coverage.

Shop around before you buy collision auto insurance coverage, and compare rates from various companies to find your best deal.

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

What are the best collision coverage auto insurance companies?

Even though most states require drivers to carry at least a minimum amount of auto insurance, that usually doesn’t include collision coverage.

Liability coverage is usually required since it helps pay for damages to another vehicle if you cause an accident.

Collision insurance is something that drivers can add to their coverage in order to pay for damages to their own vehicle.

There are many different factors that affect your auto insurance rates, including the car you drive and the amount of coverage you want.

This table shows you average annual rates from top auto insurance companies based on the coverage type.

Average Annual Auto Insurance Rates By Coverage Type
CompaniesAverage Annual Auto Insurance Rates for High CoverageAverage Annual Auto Insurance Rates for Low CoverageAverage Annual Auto Insurance Rates for Medium Coverage
Allstate$5,139.02$4,628.03$4,896.81
American Family$3,416.40$3,368.49$3,544.37
Farmers$4,494.13$3,922.47$4,166.22
GEICO$3,429.14$3,001.91$3,213.97
Liberty Mutual$6,356.04$5,805.75$6,058.57
Nationwide$3,505.37$3,394.83$3,449.80
Progressive$4,350.96$3,737.13$4,018.46
State Farm$3,454.80$3,055.40$3,269.80
Travelers$4,619.07$4,223.63$4,462.02
USAA$2,667.92$2,404.11$2,539.87

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GEICO and State Farm offer the cheapest rates on average for drivers who want more than just the basic coverage. Low, or liability-only coverage, is the cheapest option but may not offer you the coverage you need.

Keep in mind that rates will vary by driver. Your age, driving record, and ZIP code are just a few of the factors used to calculate your auto insurance rates.

The best collision coverage auto insurance companies for you may be different than the best companies for another driver.

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How much does collision auto insurance coverage cost?

Where you live can also affect how much you pay for auto insurance. Your state laws and the number of uninsured and underinsured drivers in your state will all affect rates.

This table shows you the average collision coverage rates by state from cheapest to most expensive.

Average Annual Collision Auto Insurance Rates by State
StateAverage Annual Collision Auto Insurance
Rates
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
Countrywide Average$299.73
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On average, adding collision coverage to your car insurance will cost you $25 a month. That isn’t very expensive when you consider the possibility of paying out of pocket for damages to your vehicle.

Also, if you finance a car, your loan company may require you to carry collision and other forms of auto insurance.

According to the Consumer Financial Protection Bureau, if you don’t carry the auto insurance required, your loan company can force you to pay for the insurance that they choose.

This is called force-placed insurance and is more expensive than if you just added the coverage to your insurance. Be sure you know exactly what your lender requires so that you can find the coverage you need at the lowest rates.

What does collision coverage include?

There are several different types of auto insurance coverage, and collision coverage helps pay for damages to your vehicle if you cause an accident.

If you have a car accident without collision coverage, you will have to pay for any damages to your vehicle yourself.

What exactly does collision insurance cover? These are the damages collision insurance will cover:

  • Damages to your car if you hit an object like a tree or fence
  • Damages to your car if you hit another car
  • Damages to your car from a one-car accident, like a rollover crash

Collision insurance won’t cover:

  • Damages from fire, theft, or natural disasters like a flood
  • Medical bills
  • Damages to another vehicle

It’s important to note that collision and comprehensive coverages are different. When comparing comprehensive vs. collision insurance, comprehensive also pays for damages to your vehicle, but not from an accident.

Comprehensive insurance covers damages like fire, theft, vandalism, natural disasters, and falling tree limbs. It does not cover any damages resulting from a car accident.

So then is comprehensive insurance full coverage? No, but it is a part of it. Full coverage generally consists of liability, collision, and comprehensive coverages.

Full coverage is more expensive, but you are insured against many more damages.

Best Collision Coverage Auto Insurance Companies: The Bottom Line

The best collision coverage auto insurance companies for you will depend on your personal situation. In general, GEICO and State Farm have the lowest average rates for insurance that includes collision coverage.

Because so many of the best auto insurance companies offer collision coverage, shop around to find the cheapest rates for the best coverage.

Enter your ZIP code now to compare rates from the best collision coverage auto insurance companies near you for free.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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