10 Best Auto Insurance Companies for Comprehensive Coverage in 2025 (Top Providers)
State Farm, Progressive, and Allstate are the best auto insurance companies for comprehensive coverage, starting rates at $5 monthly. Comprehensive coverage protects against damage from theft, vandalism, or weather-related incidents, offering peace of mind on the road.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Jan 5, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jan 5, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
13,283 reviewsCompany Facts
Comprehensive Insurance Cost
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviews
11,638 reviewsCompany Facts
Comprehensive Insurance Cost
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviewsFind the best auto insurance companies for comprehensive coverage with State Farm, Progressive, and Allstate, starting at $5 per month.
State Farm excels in affordability and claims handling, while Progressive offers customizable policies. Allstate provides extensive discounts and reliable, comprehensive coverage.
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Customer Service | State Farm |
 | #2 | 10% | A+ | Competitive Rates | Progressive |
 | #3 | 25% | A+ | Local Agents | Allstate |
 | #4 | 25% | A | Customizable Policies | Liberty Mutual |
 | #5 | 20% | A | Policy Options | Farmers |
 | #6 | 20% | A+ | Vanishing Deductible | Nationwide |
 | #7 | 10% | A++ | Military Members | USAA |
 | #8 | 13% | A++ | Unique Coverage | Travelers |
 | #9 | 25% | A | Costco Members | American Family |
 | #10 | 5% | A+ | Organization Discount | The Hartford |
These options balance value and protection for drivers.
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- Get the best auto insurance companies for comprehensive coverage, starts $5/mo
- Compare affordable rates and features tailored for comprehensive coverage needs
- State Farm is the top pick for its excellent benefits and reliable customer service
#1 – State Farm: Top Overall Pick
Pros
- Comprehensive Coverage: State Farm is excellent regarding comprehensive coverage options.
Low Monthly Rates: State Farm offers competitive monthly rates at $15 for minimum coverage. - Bundling Policies: State Farm auto insurance review provides a large-scale discount for bundling different insurance policies.
Cons
- Limited Multi-Policy Discount: The multi-policy discount is less generous compared to some competitors.
- Premium Costs: Premiums may be relatively high depending on the selected coverage levels.
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#2 – Progressive: Best for Competitive Rates
Pros
- Flexible Plans: Progressive provides comprehensive coverage with flexible options.
- Affordable Rates: Get comprehensive coverage starting at just $5 per month.
- Budget-Friendly Tool: Name Your Price tool adjusts your comprehensive coverage.
Cons
- Cost Variations: Comprehensive coverage rates may change based on driving risk. For more information, see our guide, “Does Progressive offer comprehensive coverage?“
- Slow Claims: Comprehensive coverage claims may be slower for some customers.
#3 – Allstate: Best for Local Agents
Pros
- Comprehensive Coverage: Allstate offers a comprehensive range of coverage options.
- Low Monthly Rates: Comprehensive coverage plans start at just $10 per month.
- Roadside Assistance: Add optional roadside services with comprehensive coverage for convenience and peace of mind.
Cons
- Higher Premiums: For comprehensive coverage, Allstate’s premium rates can be higher than those of other providers. Learn more in our guide, “Does Allstate offer comprehensive coverage?“
- Limited Discounts: Some discounts may not apply across all comprehensive coverage options.
#4 – Liberty Mutual: Best for Customizable Policies
Pros
- Comprehensive Coverage: Liberty Mutual offers strong, customizable coverage options for drivers.
- Low Monthly Rates: Rates begin at $12/month for minimum coverage.
- Multi-Policy Savings: Liberty Mutual offers discounts for multi-policy holders.
Cons
- Higher Starting Rates: Premiums may be higher compared to other providers for basic coverage.
- Claims Delays: Claims processing times can be longer depending on the circumstances. Check our guide, “Does Liberty Mutual offer comprehensive coverage?” for more information.
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#5 – Farmers: Best for Policy Options
Pros
- Comprehensive Coverage: Farmers provides dependable, comprehensive coverage options for all drivers.
- Low Monthly Rates: Comprehensive coverage starts rates at $11/monthly.
- Flexible Coverage Options: Customers can customize their comprehensive coverage to fit their driving needs.
Cons
- Limited Discounts: Not every driver qualifies for multi-policy savings with comprehensive coverage. Read more in our guide, “Does Farmers Insurance car insurance cover damage caused by a road hazard?“
- Rates Can Be Higher: Premiums for comprehensive coverage may vary depending on your driving history.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- Comprehensive Coverage: Nationwide provides customizable and comprehensive protection options.
- Low Monthly Rates: Comprehensive coverage starting rates for minimum coverage plans are $13/month.
- Good Customer Service: Nationwide has excellent customer support when it comes to claims processing
Cons
- Premiums Can Be Unpredictable: Rates may change based on individual driving risks.
- Limited Discounts: There are fewer multi-policy discounts than competitors. For more details, visit our guide, “How do I renew my car insurance policy with Nationwide?“
#7 – USAA: Best for Military Members
Pros
- Comprehensive Coverage: USAA offers comprehensive coverage plans customized for military members.
- Affordable Rates: Get comprehensive coverage with rates starting at $8 per month.
- Military Discounts: Comprehensive coverage includes special savings for service members and their families.
Cons
- Limited Eligibility: Comprehensive coverage is only available to military members and their families.
- Limited Access: USAA’s comprehensive coverage isn’t available to all drivers. Learn more in our guide, “Does USAA offer comprehensive coverage?“
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#8 – Travelers: Best for Unique Coverage
Pros
- Comprehensive Coverage: Travelers offers customizable and reliable comprehensive coverage options.
- Low Monthly Rates: Get comprehensive coverage starting at $10 per month for minimum plans.
- Easy Online Tools: Travelers simplify selecting comprehensive coverage with helpful online tools.
Cons
- Higher Costs: Comprehensive coverage premiums may be higher for riskier drivers. Find more in our guide, “Does Travelers car insurance cover damage caused by a road hazard?“
- Slow Claims: Comprehensive coverage claims may take longer for some policyholders.
#9 – American Family: Best for Costco Members
Pros
- Comprehensive Coverage: American Family provides multiple comprehensive coverage options.
- Affordable Rates: Comprehensive coverage starts at $11 per month for minimum coverage.
- Flexible Plans: Comprehensive coverage policies can be adjusted to meet the needs of drivers.
Cons
- Limited Discounts: Comprehensive coverage offers fewer multi-policy savings than competitors. Read more in our guide, “Does American Family Insurance offer comprehensive coverage?“
- Higher Premiums: Comprehensive coverage costs may increase with added protection levels.
#10 – The Hartford: Best for Organization Discount
Pros
- Comprehensive Coverage: The Hartford offers strong, flexible comprehensive coverage options.
- Low Monthly Rates: Comprehensive coverage starts at $12 per month for minimum plans.
- Senior Driver Benefits: Special comprehensive coverage plans make insurance affordable for seniors.
Cons
- Higher Starting Rates: Comprehensive coverage premiums may be higher than competitors. Learn more in our guide, “What types of car insurance coverage does The Hartford offer?“
- Limited Discounts: Fewer multi-policy discounts for comprehensive coverage compared to others.
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What Comprehensive Car Insurance Covers
Comprehensive car insurance helps protect your vehicle from damages that aren’t caused by accidents. It covers damage from natural disasters, theft, vandalism, falling objects, or animal collisions, such as hitting a deer. This makes it a useful addition to your auto insurance for unexpected events, including car towing insurance and roadside assistance compare.
Comprehensive Auto Insurance Monthly Rates| Insurance Company | Monthly Rates |
|---|---|
| $10 |
| $11 |
| $11 |
| $12 |
| $13 |
| $5 |
| $15 |
| $12 |
| $10 |
| $8 |
It may also cover damage to your windshield or windows, like flying debris or vandalism. Some insurers offer zero-deductible glass coverage for these situations. Check your policy for details on what’s covered and any exclusions, including whether full coverage car insurance covers towing or roadside assistance options.
However, comprehensive insurance doesn’t cover accidents involving collisions with other vehicles or objects—that’s what collision insurance is for. It also doesn’t cover wear and tear, mechanical breakdowns, or medical expenses. Combined with collision and liability coverage, comprehensive insurance provides complete protection for your vehicle. See more details in our guide, “Car Insurance for a Stolen Car.”
Top Auto Insurance Comprehensive Coverage Discounts
Auto insurance companies offer discounts to help policyholders save money. For example, Allstate provides Safe Driving Club, Deductible Rewards, and Multi-Policy discounts. American Family offers Good Driver and Defensive Driving Course discounts.
Liberty Mutual and Nationwide reward safe driving with Accident-Free savings, Vanishing Deductibles, and New Car Replacement options. Some of these discounts also apply to the cheapest roadside assistance plans.
Auto Insurance Discounts from the Top Providers for Comprehensive Coverage| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Club, Deductible Rewards, New Car, Multi-Policy, Anti-Theft Device |
| Multi-Policy, Good Driver, Defensive Driving Course, Anti-Theft Device, Early Bird |
| Multi-Policy, Safe Driver, Good Student, Bundling Home & Auto, Alternative Fuel |
| Multi-Policy, New Car Replacement, Anti-Theft Device, Online Purchase, Accident-Free |
| Vanishing Deductible, Multi-Policy, Good Student, Safe Driver, Anti-Theft Device |
| Snapshot Program, Multi-Car, Continuous Insurance, Homeowner, Safe Driver |
| Drive Safe & Save, Multi-Policy, Anti-Theft Device, Good Student, Accident-Free |
| AARP Member, Multi-Policy, Vehicle Safety, New Car Replacement, Defensive Driving |
| Multi-Policy, Hybrid/Electric Vehicle, Safe Driver, Continuous Insurance, New Car |
| Safe Driver, Multi-Vehicle, Family, Good Student, Loyalty |
State Farm, Travelers, and Progressive offer discounts for safe driving through programs like Drive Safe & Save and Snapshot. Travelers also reward hybrid or electric vehicle owners. Bundling home and auto policies with these companies is another way to save, including bundling car insurance with roadside assistance.
USAA focuses on military families with Family and Loyalty discounts. The Hartford gives AARP members benefits like New Car Replacement and Vehicle Safety discounts. With these options, drivers can find coverage that fits their needs and budget, whether they need roadside service companies or other perks.
Read More: Is full coverage really full?
Why Comprehensive Coverage Important
Comprehensive coverage is helpful if you live in a place with bad weather or higher theft risks. It protects your car from more than just road accidents.
Imagine living in a neighborhood with a high crime rate where car thefts happen often. One morning, you discover your car has been stolen from your driveway. If you don’t have comprehensive coverage, you’d have no car and need to pay out of pocket to replace it.
However, with comprehensive car insurance, your insurance provider will compensate you for the loss, ensuring you can get back on the road as soon as possible. Browse our guide, “Do I need multiple policies to get enough coverage?”
Geico roadside assistance vs AAA comparisons reveal differences in towing and lockout services coverage.
Comprehensive coverage might cost more than basic liability insurance, but it gives you extra security. It covers unexpected events, so you can drive without worry, knowing your car is protected from many risks.
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Factors to Consider When Choosing Comprehensive Car Insurance
Comprehensive car insurance protects your vehicle from many risks, like theft, vandalism, natural disasters, and non-collision accidents. It’s smart because it keeps you financially safe in unexpected situations, offering extra peace of mind. Now, let’s consider key factors when choosing the best car insurance provider with comprehensive coverage.
Deductibles
Comprehensive coverage includes protection for damages to your car that aren’t caused by accidents, like theft, vandalism, or natural disasters. The deductible is the amount you pay out of pocket before your insurance covers the costs.
Choosing the right deductible is important because it affects your monthly payments and what you’ll pay during a claim. A higher deductible usually means lower monthly premiums but requires more money upfront if you have an accident.
When picking a deductible, consider your financial situation. If you have enough savings to handle a higher deductible, it might save you money each month.
Coverage Limits
When looking at different insurance options, compare the coverage limits of their comprehensive coverage policies. Coverage limits are the most an insurance company will pay if something happens. Choosing higher limits gives you better protection but may cost more each month.
Think about your car’s worth and the repair or replacement cost. If you have a newer or more expensive car, choose higher comprehensive coverage limits to remain fully protected if damaged or destroyed.
Learn More: How do I know if I chose the right coverages?
Exclusions
Another important thing to check is the list of exclusions in your comprehensive coverage car insurance policy. Exclusions are situations where the insurance will not cover damages. It would help to look at these carefully to protect you from the risks common in your area or driving habits.
Common exclusions include wear and tear, mechanical problems, intentional damage, and accidents caused by alcohol or drug use. Natural disasters like earthquakes or floods might also be excluded unless you add extra coverage.
Always read your policy carefully or speak with an insurance agent to know the exclusions and decide if you need extra coverage for added protection.
Top Car Insurance Providers for Comprehensive Coverage
Comprehensive coverage protects you and your car from many risks like accidents or theft. It gives you financial help when things go wrong. Now that you know what comprehensive insurance covers, let’s look at the top companies offering great coverage options.
State Farm
State Farm is a trusted and well-known insurance company that offers complete coverage plans. It is popular for its reliability, good customer service, and competitive rates. State Farm offers a variety of protections to keep you safe on the road, with affordable deductibles and coverage options.
Beyond standard coverage, State Farm offers extra benefits like roadside assistance and rental car reimbursement. These features can be very helpful during emergencies or unexpected events. With State Farm, you can feel secure knowing you have support when you need it most.
Progressive
Another good company is Progressive, which has earned its place in the car insurance market. They have built a strong customer base because of their wide range of comprehensive coverage options that fit within different budgets and needs. One of the great things about Progressive is that it offers flexible deductible choices that allow you to customize your policy according to your financial situation.
The best offense is a good defense! Bundling your home and auto with Progressive gives you double coverage when life calls a trick play. Whose defense are you counting on this Sunday? pic.twitter.com/oyH9Vvm050
— Progressive (@progressive) September 22, 2024
Beyond offering comprehensive coverage options, Progressive also boasts excellent customer care. Dealing with insurance claims can be stressful; however, with Progressive, you can rest assured that they will support you every step of the way. They have knowledgeable and friendly customer service representatives who are ready to help you at any time, giving you peace of mind during trying moments.
Allstate
If keeping costs low is important to you, Allstate is a strong choice. They offer complete coverage with affordable monthly rates, making them a great option for anyone on a budget. Even with these lower costs, Allstate maintains strong coverage limits to keep you fully protected.
Allstate also makes managing your policy easy with simple online tools. You can view policy details, file claims, and handle other tasks quickly through their website. With Allstate, you get affordable coverage, good protection, and a hassle-free online experience.
Kristine Lee Licensed Insurance Agent
When choosing car insurance with comprehensive coverage, consider providers like State Farm, Progressive, and Allstate. Taking time to compare these options can help you find the best coverage for your needs. Remember, comprehensive coverage gives you both financial security and peace of mind.
Read More: Does Allstate car insurance cover damage caused by a falling object?
Comparing Comprehensive Car Insurance Policies
After comparing the top providers, it’s important to know how to compare comprehensive car insurance policies. Let’s focus on two key things to consider when comparing options.
Price Comparison
Price matters a lot when choosing comprehensive car insurance. It’s smart to get quotes from different companies and compare their coverage and costs. Remember, the cheapest option isn’t always the best—make sure you balance affordability with the protection you need.
Several factors can affect your insurance costs, like your age, driving history, where you live, and car type. Some companies offer discounts if you bundle policies or have a clean driving record, so ask about those.
While low prices are important, they shouldn’t be your only focus. Choose a plan that provides the coverage you need to stay protected in the event of an accident.
Coverage Comparison
When looking at insurance policies, check the coverage each company offers. Watch out for exclusions or limits that might leave you without protection when you need it. Think about how much coverage you need based on your car’s value, where you live, and how you drive.
Comprehensive car insurance covers many risks like accidents, theft, vandalism, natural disasters, and more. Make sure to review the policy carefully to ensure it covers the risks you face. For example, if you live in a flood-prone area, confirm that flood damage is included.
Also, pay attention to coverage limits and deductibles. Coverage limits are the maximum amount the company will pay if you file a claim. Deductibles are the amount you pay out of pocket before your insurance starts to cover costs. Finding the right balance between these ensures you have enough protection without spending too much. For more information, see our guide, “Comprehensive vs. Non-Comprehensive Coverage.”
Customer Service Comparison
Good customer service should be considered when choosing full-coverage car insurance. Read and see online reviews about how well each insurance firm handles claims and serves its customers. Quick and prompt support can make all the difference when you need it.
Choose a provider that is responsive, helpful, and clear. This way, you will have help in filing a claim or answering questions. Reading the experiences of other policyholders may also help you decide.
Scott W. Johnson Licensed Insurance Agent
Also, check how easy it is to contact customer service. Does the company offer 24/7 support? Are they accessible by phone, email, or chat? These factors are key when evaluating insurance providers.
In summary, comprehensive car insurance protects your vehicle from various risks. It would be essential to consider deductibles, limits, and exclusions before picking the right policy. Compare the prices and coverage to ensure you get the best deal. With the right plan, you’ll feel at peace knowing that your car is well covered.
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Case Studies: Exploring the Best Options for Comprehensive Coverage
Vehicle protection varies based on the chosen comprehensive coverage. State Farm, Progressive, and Allstate offer the most affordable quotes, flexible plans, and dependable services. Here’s why each stands out.
- Case Study #1—State Farm’s Reliable Protection: State Farm offers comprehensive coverage at $15 per month. It offers flexible plans with excellent customer service. State Farm is a reliable option to have affordable protection with useful discounts and quick claims processing.
- Case Study #2—Progressive’s Competitive Rates: Progressive offers full coverage starting at just $5/month. Progressive’s Name Your Price feature allows you to customize your plans to fit your budget. With low prices, useful features, and customer-centric options, Progressive is a great choice.
- Case Study #3—Allstate’s Coverage Perks: Allstate covers starting at $10 per month. Among the perks are roadside assistance, accident forgiveness, and fast claims processing. It helps a driver feel much more secure and supported in his driving.
State Farm, Progressive, and Allstate are top picks for affordable and reliable coverage. These providers offer convenience and great service, giving you peace of mind while driving.
Read More: Full Coverage Auto Insurance
Jeffrey Manola Licensed Insurance Agent
Get the minimum car insurance coverage you need to drive legally by entering your ZIP code into our free quote comparison tool.
Frequently Asked Questions
What is comprehensive coverage in auto insurance?
Comprehensive coverage protects against non-collision events like theft, vandalism, weather damage, and falling objects. For more information, see our relevant guide, “10 Best Car Insurance Companies for Collision Coverage.”
Why are State Farm, Progressive, and Allstate considered top companies?
State Farm offers competitive rates starting at $15/month, Progressive provides flexible pricing tools, and Allstate includes unique perks like accident forgiveness in comprehensive coverage. Use our free comparison tool to see what auto insurance quotes look like in your area.
Which company offers the lowest rates for comprehensive coverage?
USAA provides the lowest starting rates for comprehensive coverage at $8/month, but it’s exclusive to military members and their families.
Are there discounts available for comprehensive coverage?
Yes, companies like Nationwide and Liberty Mutual offer bundling discounts and incentives for safe driving. Learn more in our relevant guide, “Best Multi-Policy Car Insurance Discounts.”
Can I customize my comprehensive coverage policy?
Yes, Progressive offers tools like Name Your Price® to tailor coverage, and many insurers provide flexible options.
Which company is best for bundling policies?
State Farm and Farmers provide significant savings when bundling multiple policies, such as home and auto insurance. Browse more in our guide, “Can I bundle my State Farm car insurance with other policies?”
What are some drawbacks of choosing Allstate or Liberty Mutual?
Allstate’s rates start at $10/month, which may be higher than competitors, while Liberty Mutual’s coverage costs $12/month, limiting affordability.
Are there any companies that cater specifically to older drivers?
The Hartford specializes in policies tailored to experienced or older drivers, offering stability and trusted protection.
Does comprehensive coverage include roadside assistance?
Allstate and The Hartford include roadside assistance as part of their comprehensive coverage perks. Read more in our guide, “Does Allstate offer roadside assistance?”
How do I choose the best auto insurance company for comprehensive coverage?
Consider your budget, desired perks like roadside assistance, and eligibility for discounts to find a policy that aligns with your needs. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
Enter your ZIP code below to compare cheap insurance rates.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.