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Comprehensive Coverage: What It Is & What It Pays

Comprehensive coverage pays to repair or replace your vehicle when it's damaged by events other than a collision — things like theft, vandalism, hail, fire, or hitting an animal.

Find Affordable Coverage After SR-22

What Is Comprehensive Coverage Insurance?

Comprehensive coverage pays for damage to your vehicle caused by non-collision events including theft, vandalism, fire, flooding, hail, falling objects, glass breakage, and animal strikes. If your car is stolen and not recovered, or if repair costs exceed the vehicle's value, comprehensive pays you the market value of your car minus your deductible. For post-SR22 drivers who financed a vehicle during their high-risk period, this coverage protects the equity you've built and satisfies lender requirements until the loan is paid off.

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Who Needs Comprehensive Coverage Insurance?

For post-SR22 drivers, run this calculation annually as your rates normalize and your vehicle depreciates.

How Much Does Comprehensive Coverage Insurance Cost?

Your driving record and credit-based insurance score — post-SR22 drivers may pay slightly elevated comprehensive rates during the first 12 months after their filing ends, but the surcharge is usually minimal compared to liability and collision.

Related Coverage Types

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Uninsured Motorist Coverage→

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Liability Insurance→

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SR-22 Insurance→

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Full Coverage→

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Your SR-22 Is Over. Your Rate Should Drop Too

Find Affordable Coverage After SR-22