Best Comprehensive Coverage Auto Insurance Companies (2021)

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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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: Sep 7, 2021

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Things to Remember

  • 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.

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:

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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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.

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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
StateAverage 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
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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.

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.

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

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