What This Coverage Includes
- Theft of entire vehicle
- Vandalism
- Weather events (hail, windstorm, flood, fire)
- Falling objects (tree branches, debris)
- Animal collisions (deer, etc.)
- Broken/cracked windshield/glass
- Civil disturbances (riots)
What This Coverage Does NOT Include
- Collisions with other vehicles
- Collisions with objects you hit while driving
- Normal wear and tear
- Mechanical breakdowns
- Personal items stolen from car
When This Coverage Makes Sense
- Vehicle is financed/leased (required)
- High-theft or high-weather-risk area
- Newer/expensive vehicle to protect investment
When You Might Skip This Coverage
- Very old/low-value vehicle
- Live in area with minimal weather/theft risk
- Cost doesn't match vehicle value
Cost Considerations
Typical Additional Cost: $150-400 per year (varies significantly by location and vehicle)
Premium costs vary significantly by location, vehicle, driver profile, and chosen limits. The figures above are national averages and should be used only as rough guidance. Get actual quotes for accurate pricing.
Frequently Asked Questions
This depends on both the specific coverage type and your state. Some coverages (like liability) are required in nearly all states. Others (like collision, comprehensive, or gap insurance) are optional but may be required by your lender/lessor if you finance or lease your vehicle. Check our state-by-state minimum requirements guide for specifics.
In most cases, yes. You can add, remove, or adjust optional coverages (collision, comprehensive, roadside assistance, etc.) at any time by contacting your insurer. Changes typically take effect at your next renewal, though some adjustments can be made mid-term with possible prorated refunds or additional charges. Required coverages (like state minimum liability) cannot be dropped below legal minimums.
This information is educational only. Coverage details, availability, and costs vary by insurer and state. Always review actual policy documents before purchasing. Consult licensed professionals for advice specific to your situation.