What does comprehensive insurance cover?
- Vandalism, fire, riots, and explosions
- Windshield and glass damage (if your crack or chip is smaller than a dollar bill, Progressive will repair your glass at no cost to you)
- Falling trees/limbs and other objects
- Rocks/objects kicked up by or falling off cars
- Storms, hail, wind, floods, lightning, and earthquakes
- Accidents with animals (hitting a deer)
If you swerve to avoid hitting a deer and instead hit another car or tree, that accident would be covered by collision rather than comprehensive. See more on how insurance works if you hit a deer.
How comprehensive insurance works
1. A tree limb falls on your car
Let's say that the tree limb crashes through the roof of your car and causes $5,000 in damage.
2. You file an insurance claim
A claim is a request for your insurer to pay for your losses. Depending on your insurer, you can file online, with a mobile app, or by calling.
3. Your car gets repaired
Let's say you have a $1,000 deductible. You'd pay the $1,000, and your insurer will pay the remaining $4,000.
Comprehensive includes a deductible, which is the amount you pay out of pocket. Keep in mind that at Progressive, if you use a repair shop in our network, we offer guaranteed repairs for as long as you own or lease your car.
Need an exact comprehensive insurance price? Get an auto insurance quote online, and you can find out in minutes exactly how much comprehensive will cost you.
Comprehensive vs. collision
Comprehensive insurance is commonly confused with collision. They both insure your car but cover different events. Collision covers car accidents, and comprehensive covers events out of your control. Think of it like this: Collision is colliding with something else (other than animals). Comprehensive is basically all other events. Accidents with animals are covered by comprehensive (and not collision) because these accidents are considered out of your control.
See more on collision insurance.
Should I add comprehensive insurance?
Comprehensive quick facts:
- If you lease or finance your car, your lender might require you to add comprehensive.
- 80% of drivers add comprehensive.
- On average, comprehensive costs $23 per month.
- Most common deductible is $500.
Based on data from Progressive customers.
Questions to consider
Do you want to pay less for insurance or have coverage for repairs?
With Progressive, dropping comprehensive could save you about $23 a month. But remember, if an unforeseen event damages your car, you'll have to pay for your damages 100% out of pocket. And, remember, if you lease or finance your car, your lender might require you to maintain comprehensive coverage.
Can you afford to buy a new car?
If it hails like crazy, your car could easily be totaled. Would you then be OK paying completely out of pocket to buy another car? If not, add comprehensive and then you'd only have to pay your deductible.
Typically, drivers with more expensive cars add comprehensive insurance because few can handle paying that much out of pocket.
How likely are you to have a claim?
Dropping comprehensive is like gambling against nature. You're betting that unforeseen events beyond your control won't damage your car.
Our data shows that 7% of Progressive drivers with comprehensive coverage have a comprehensive claim in a given year, and the average repair is about $1,400. Without comprehensive, that's how much you may have to pay out of pocket. Keep in mind, repair costs can vary widely based on your damage and how much your car is worth. Typically more expensive cars cost more to repair.
Most common comprehensive claims: Glass claims and then accidents with deer are the most common. If you live in Arizona or another desert state, you're at a much higher risk for glass claims as rocks are frequently kicked up by cars. Deer accidents are most common in West Virginia and other central/non-coastal states, specifically if you live and drive in a highly wooded area.
If you don't add comprehensive, you could be on the hook to pay out of pocket—the average cost of repairs is $1,400.