Collision vs. Comprehensive Coverage - What's the Difference?

Collision and comprehensive are always talked about together, but do you know what each cover and how they are different? Didn't think so. Read below to find out more.


Collision and comprehensive coverages are often lumped together because:

  • They both protect you against physical damage to your vehicle.
  • Neither coverages are required by any state, but more than 70% of all drivers in the U.S. carry both coverages.
  • If you are leasing your car or borrowed money to finance your car, your lender or lessor will most likely require you to carry both coverages to protect the value of the collateral on their loan or lease (your car).
  • Both coverages general include a deductible, which is the amount of money you pay out of pocket toward covering the loss.
  • Your premiums for both coverages are based in part on the make, model and year of your car, since the policies cover you for the cost of repairing or replacing your vehicle.



Collision coverage provides coverage for physical damage to your car resulting from:

  • Hitting another vehicle
  • Crashing into something during operation of your vehicle (e.g., a telephone pole)
  • Turning over.

Tags: car insurance