Despite its name, comprehensive insurance doesn't cover everything. In fact it pays for only very specific problems. Comprehensive insurance will pay for:

  1. The value of your car if it's stolen
  2. Replacement of the car or repair due to:
  • Hail
  • Natural disasters such as a tornado
  • Flood
  • Fire
  • Vandalism
  • Falling objects such as a tree branch
  • Crashes with animals
  • Civil disturbances such as a riot

Important things to know about comprehensive insurance:

  • You purchase it by adding it to your liability car insurance policy.
  • It's often packaged with collision insurance.
  • If you have a car loan or lease, your lender or leasing company likely requires you to have comprehensive and collision insurance.
  • The maximum payout of comprehensive insurance is the value of your car. For example, if you car is stolen or totaled, the payout is the value of your car at the time of the incident.


What's not covered by comprehensive insurance

It's important to know what you're not getting if you buy comprehensive insurance. Here are some examples of what's not covered, and alternate insurance for the problem.

Not covered by comprehensive insurance Alternate
Theft of your personal property from your car Homeowners or renters insurance
Collisions into objects such as a tree or another car Collision insurance
Damage caused by someone else crashing into your car Make a claim on their liability insurance, or use collision insurance
Injuries to you or your passengers caused by someone else Make a claim on their liability insurance (in many states), or use your personal injury protection (PIP) or medical payments (MedPay) coverage
Damage you cause to someone else's car in a crash Your liability insurance

Most and least expensive cars for comprehensive insurance

Comprehensive insurance rates are affected by a vehicle's value and the claims history of similar models. If your insurance company sees frequent or expensive comprehensive claims for the model of vehicle, expect to pay more for insurance.

Insurance companies must file their rates with each state. We looked at filings made by State Farm for its comprehensive insurance "rating groups." It reveals the vehicles that have the highest and lowest comprehensive insurance rates from State Farm. While your insurance company will have its own rates, State Farm's highest and lowest groups may be similar.

Cars with the most expensive comprehensive insurance (2018 and 2019 models)

Acura NSX

Aston Martin DB11 and DB11 Volante

Aston Martin Vanquish and Vanquish Volante

Aston Martin Vantage

Audi R8 5.2 Quattro

Audi S8 4.0T Quattro

Chevrolet Corvette ZR1

Chevrolet Corvette Z06 Carbon 65 Edition

Bentley Bentayga W12

BMW Alpina B7 LWB

BMW M6 Gran Coupe

BMW M760I Xdrive

Ferrari 488 GTB, 488 GTB Spider

Ferrari 812 Superfast

Jaguar F-Type SVR

Lamborghini Avantador S

Lamborghini Huracan

Maserati Granturismo

Maserati Quattroporte

McLaren 720S

Mercedes-Benz AMG (multiple models)

Mercedes-Benz G550

Mercedes-Benz G63 AMG and G65 AMG

Mercedes-Benz S65 AMG

Mercedes-Benz SL63 AMG and SL65 AMG

Nissan GT-R

Porsche 911 Targa

Porsche 911 Turbo

Porsche Cayenne S Turbo

Porsche Panamera Turbo and 4S and Hybrid

Rolls Royce Dawn

Rolls Royce Ghost

Rolls Royce Phantom

Rolls Royce Wraith

Tesla Model S P100D

The Rolls Royce Phantom has the most expensive comprehensive insurance in this group, probably due to its estimated base price of $450,000.

Cars with the least expensive comprehensive insurance (2018 and 2019 models)

Chevrolet Sonic

Chevrolet Spark

Chevrolet Colorado Ext Cab

Chrysler Fiat 500X

Ford Fiesta

Honda Fit

Honda HR-V

Hyundai Accent

Jeep Compass

Mazda Mazda3

Nissan Sentra

Nissan Versa and Versa Note

The Ford Fiesta and Nissan Sentra are among the cheapest for comprehensive insurance in this group.

Comprehensive insurance cost

For drivers with car loans

If you have a car loan (or lease), you should know about gap insurance. Gap insurance can pay the difference between what comprehensive pays for a stolen or totaled and what you still owe on a loan.

Here's how it works: In some cases, a car loan balance can be higher than what the car is worth when it's totaled or stolen. This could happen if you finance most or all of the vehicle price. Let's say your car is totaled in a flood and comprehensive pays you $12,000 for the value of the vehicle. But say you owe $15,000 on the car loan. Gap insurance covers the $3,000 difference.

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