Comprehensive coverage covers losses or damage to your car caused by something other than a collision. (That’s why it’s sometimes called “other than collision” coverage.) If your car is stolen, or if a hailstorm leaves dents all over — or any number of other scenarios, like fire, floods, vandalism or even a run-in with wildlife — comprehensive can help pay to replace your car or repair the damage.
More ways Farmers comprehensive coverage can help:
More ways Farmers comprehensive coverage can help:
Accidents with animals, including goats.
You’re the victim of motorcycle theft.
Someone steals your catalytic converter.
Comprehensive coverage — a quick look
An Insurance Information Institute analysis National Association of Insurance Commissioners (NAIC) data from 2021, the most recent available, found that 80 percent of insured drivers purchase comprehensive coverage.
How does comprehensive insurance work?
IIt’s important to know that comprehensive coverage is not separate insurance — it is an added coverage option on an existing car insurance policy. When you buy comprehensive coverage, you select a deductible (the amount you pay out of pocket toward a covered claim). If your car is stolen or damaged by something other than a collision, this coverage can help pay to replace or repair your car, subject to your deductible and any applicable policy provisions.
Limitations of comprehensive car insurance
Comprehensive coverage can provide protection that may not be included in liability or collision coverage. But there are limits to what comprehensive covers.
Need coverage for
Comprehensive
Other coverages
Damage to your vehicle from hitting a vehicle or object
Collision
Damage to your vehicle from potholes or other road defects
Collision
Damage to other vehicles
Property Damage Liability
Injuries to other people
Bodily Injury Liability
Your (or your passengers) injuries after an accident
Medical payments or Personal Injury Protection (PIP)
Damage or theft of personal belongings inside your car
Personal Property coverage
of your home’s insurance
Roadside assistance
Roadside assistance
Rental car expenses when your vehicle is repaired
Rental Car or Loss of Use
Mechanical breakdown
Manufacturer’s warranty
or extended warranty
Wear and tear
Service contract
Residual debt if your car is a total loss and your loan/lease balance is more than the value of the car
Residual Debt / Gap insurance
Need coverage for
Damage to your vehicle from hitting a vehicle or object
Comprehensive
Other coverages
Collision
Need coverage for
Damage to your vehicle from potholes or other road defects
Comprehensive
Other coverages
Collision
Need coverage for
Damage to other vehicles
Comprehensive
Other coverages
Property Damage Liability
Need coverage for
Injuries to other people
Comprehensive
Other coverages
Bodily Injury Liability
Need coverage for
Your (or your passengers) injuries after an accident
Comprehensive
Other coverages
Medical payments or Personal Injury Protection (PIP)
Need coverage for
Damage or theft of personal belongings inside your car
Comprehensive
Other coverages
Personal Property coverage
of your home’s insurance
Need coverage for
Roadside assistance
Comprehensive
Other coverages
Roadside assistance
Need coverage for
Rental car expenses when your vehicle is repaired
Comprehensive
Other coverages
Rental Car or Loss of Use
Need coverage for
Mechanical breakdown
Comprehensive
Other coverages
Manufacturer’s warranty
or extended warranty
Need coverage for
Wear and tear
Comprehensive
Other coverages
Service contract
Need coverage for
Residual debt if your car is a total loss and your loan/lease balance is more than the value of the car
Comprehensive
Other coverages
Residual Debt / Gap insurance
How much does comprehensive coverage cost?
The national average for comprehensive coverage is approximately $180 per year, according to a 2024 report by National Association of Insurance Commissioners (NAIC) using data from 2021 (the most recent available). But rates vary state to state. The average cost of comprehensive coverage in California is around $100 per year, versus $372 per year in South Dakota, according to NAIC’s 2024 report. Get a free auto quote or talk to a Farmers agent to find out how much comprehensive coverage costs in your area.
Other types of insurance coverage for your car
This information provides only a general description of coverages, features, and potential discounts. Not all products, coverages and discounts are available in every state, and can vary by state. Eligibility requirements can vary by state. Coverages and discounts are subject to the terms, limits, provisions, exclusions, restrictions, and conditions in the policy and in applicable endorsements. Contact Farmers for details and additional information.
Related articles
What's the Difference Between Comprehensive and Collision Coverage?
Almost every state in the U.S. requires vehicle owners to carry liability insurance or prove financial responsibility, but that coverage does nothing for you if your car needs to be repaired or replaced in situations where a third party is not responsible for the damage.
What Exactly Is Auto Insurance and How Does It Work?
Auto insurance is a package of coverage designed to help you protect yourself financially if you are at fault in an automobile accident. All policies start out with liability coverage — it’s required in most states.
Does Motorcycle Insurance Cover Theft?
Your motorcycle policy can cover theft — so long as you comprehensive coverage in place. Comprehensive coverage covers losses caused by things other than a collision with a vehicle or stationary object.
