How it works
Comprehensive is sometimes described as "other than collision" coverage. It pairs with collision: collision handles crashes with other cars and objects, and comprehensive handles most other sudden damage, including a stolen car.
No state requires comprehensive, but a lender or leasing company usually does, along with collision, until you pay off the loan or return the car. That combination is what people usually mean by "full coverage," although no policy covers everything.
Example: vandals cause $2,000 of damage to your car and your comprehensive deductible is $250. The insurer pays $1,750, and you pay the first $250.
Comprehensive and collision can have different deductibles, and comprehensive often costs less than collision. Glass damage, such as a cracked windshield, is often handled under comprehensive too; see our windshield guide for how deductibles apply.
Related terms
Sources
- Insurance Information Institute, What is covered by a basic auto insurance policy? theft, hail, flood and contact with animals
- NAIC, Auto Insurance (consumer page) fire, severe weather, vandalism, floods, theft and broken glass
Last reviewed by the StateCover Guide editorial team. See our editorial policy. Spotted an error? Tell us.