What does collision insurance cover?

  • Accidents with other cars
  • Hitting another object (guardrail, street sign, phone pole, pothole, garage, mailbox, house, tree, etc.)
  • Overturning your car
  • If you're the victim of a hit-and-run accident (including parking lots)
  • Injuries to pets riding in your car up to $1,000 (Progressive automatically includes this with collision, but not all insurers have this coverage)

Note: Collision does not cover accidents with animals. Those accidents are instead covered by comprehensive.

How collision insurance works

1. You're in an accident

Let's say you hit a guardrail on the side of the road, and your vehicle has $3,000 worth of damage.

2. You file an insurance claim

A claim is a request for your insurer to pay for damage. Depending on your insurer, you can file online, with a mobile app, or by calling.

3. Your car gets repairs

If you have a $500 deductible, you'd pay $500, and your insurer pays the remaining $2,500.

Collision includes a deductible, which is simply the amount you pay out of pocket. At Progressive, if you use a shop in our network, we offer guaranteed repairs for as long as you own or lease your car.

See tips for choosing the right car insurance deductible.

Comprehensive and collision: What's the difference?

Collision is commonly confused with comprehensive. They're both optional coverages and pay to repair or replace your car (if it's totaled). But they cover separate events. In short, collision covers accidents (other than with animals) and comprehensive covers events that are beyond your control such as theft, vandalism, hitting an animal, fire, glass breakage or an act of nature.

Think of it this way: Collision is colliding with another vehicle or object (other than animals). Comprehensive is all other events. Accidents with animals are covered by comprehensive (and not collision) because these accidents are considered out of your control. Also, you can't add only collision. You have to add comprehensive first and then collision.

See more on comprehensive insurance.

Collision is colliding with another vehicle or object (other than animals). Comprehensive is all other events.

What if the accident wasn't my fault?

If another driver hits your car and is officially deemed at fault, their insurance company should pay for all of your repairs. That means you'd have $0 in out-of-pocket costs. It's not very common for drivers to file a collision claim with their own insurance company if they're not at fault, but this can work in your favor.

For example: If the other insurance company is taking too long, you could instead file your claim with your insurer.

Looking for an exact collision insurance price? Get a car insurance quote online, and you can find out in minutes exactly how much collision will cost you.

Should I add collision coverage?

Collision quick facts:

  • If you lease or finance your car, your lender will likely require you to add collision.
  • 71% of drivers add collision.
  • On average, collision costs $63/month.
  • Most common deductible is $500.

Based on data from Progressive customers.

Questions to consider

Do you want to pay less or have more coverage?

Dropping collision insurance could save you about $63 a month with Progressive. But remember, if you're in an accident, and it's your fault, you'll have to pay for your damages 100% out of pocket. And if you lease or finance your car, your lender might require you to maintain collision coverage.

Can you afford to buy a new car?

If you total your car, would you be OK paying completely out of pocket to buy another car? If not, add collision and then you'd only have to pay your deductible.

Typically, drivers with more expensive cars add collision insurance because few can handle paying that much out of pocket.

How likely are you to have a claim?

Dropping collision is like betting on not having an at-fault accident. That's always challenging to predict. But, if you've had several accidents in the past and you tend to drive a lot on busier roads, you may be more likely to have an accident.

Our data shows that collision claims are one of the most common types. Almost 12% of Progressive drivers with collision coverage have a collision claim in a given year and the average repair is about $3,300. Without collision, that's how much you may have to pay out of pocket, on average. Keep in mind, repair costs can vary widely based on your damage and car.

With collision, you would only have to pay your deductible and, subject to your policy limits, we would pay the cost of repairs or actual cash value of the car if it's a total loss.

If you don't add collision, you could be on the hook to pay out of pocket—the average cost of repairs is $3,300.