10 Best Auto Insurance Companies for Comprehensive Coverage in 2025 (Top Providers)
Nationwide, USAA, and Liberty Mutual are the best auto insurance companies for comprehensive coverage starting at $18 monthly. Nationwide stands out for its vanishing deductible, USAA for exclusive military benefits, and Liberty Mutual for valuable features that enhance comprehensive coverage.
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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: Jun 20, 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: Jun 20, 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
6,589 reviewsCompany Facts
Comprehensive Insurance Cost
A.M. Best
Complaint Level
Pros & Cons
6,589 reviews
3,792 reviewsCompany Facts
Comprehensive Insurance Cost
A.M. Best Rating
Complaint Level
Pros & Cons
3,792 reviewsThe best auto insurance companies for comprehensive coverage are Nationwide, USAA, and Liberty Mutual, with rates starting at $18 per month. Nationwide stands out for its vanishing deductible, reducing your deductible by $100 each accident-free year, rewarding safe drivers with long-term savings.
Our Top 10 Picks: Best Car Insurance Companies for Comprehensive Coverage| Company | Rank | Claims Satisfaction | Glass Coverage | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 728 / 1,000 | Add-on | Vanishing Deductible | Nationwide |
 | #2 | 726 / 1,000 | Included w/ deductible | Military Members | USAA |
 | #3 | 717 / 1,000 | Add-on | Unique OEM Parts Coverage | Liberty Mutual |
 | #4 | 710 / 1,000 | Add-on | Agent-Centric Customer Service | State Farm |
 | #5 | 706 / 1,000 | $0 deductible | Bundled Policies | Farmers |
 | #6 | 701 / 1,000 | Add-on | AARP Member Benefits | The Hartford |
 | #7 | 692 / 1,000 | Add-on | Costco Members | American Family |
 | #8 | 691 / 1,000 | Add-on | Drivewise® App Rewards | Allstate |
 | #9 | 684 / 1,000 | Add-on | Strong Rental Car Coverage | Travelers |
 | #10 | 672 / 1,000 | Add-on | Snapshot® Safe Driver Program | Progressive |
USAA is the top choice for military members, offering exclusive low rates, flexible storage options during deployment, and included glass coverage with a deductible as part of its comprehensive policies.
Liberty Mutual earns high marks for customizable coverage like new car replacement, original parts coverage, accident forgiveness, and deductible fund contributions.
- Get the best auto insurance companies for comprehensive coverage, starts $18/mo<
- Compare affordable rates and features tailored for comprehensive coverage needs
- Nationwide, USAA, and Liberty Mutual lead for value, protection, and claims rating
These options balance value and protection for drivers. Start saving on your auto insurance by entering your ZIP code and comparing quotes.
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What Comprehensive Insurance Covers (& Doesn’t)
Comprehensive car insurance helps pay for damage to your vehicle caused by unexpected, non-collision events. It’s designed to protect against things outside of your control—making it especially useful for drivers who want extra peace of mind. This type of coverage typically includes protection from theft, vandalism, natural disasters like floods or hailstorms, fire, falling objects, and even collisions with animals such as deer.
Some policies may also cover glass damage, like a shattered windshield from flying debris or vandalism, and a few insurers offer zero-deductible glass repair options as part of their comprehensive package.
Kristine Lee Licensed Insurance Agent
However, comprehensive insurance does not cover every type of damage. It excludes any repairs needed after a collision with another vehicle or object, which falls under collision insurance. It also won’t cover wear and tear, maintenance issues, mechanical breakdowns, or any injuries resulting from an accident.
While comprehensive is a valuable part of a full coverage policy, it works best when combined with liability and collision insurance to provide complete protection for your car. Always review your policy to understand what’s included and what limitations may apply. Browse our guide, “Do I need multiple policies to get enough coverage?”
Cost of Comprehensive Insurance Coverage
Monthly premiums for comprehensive insurance vary by provider, but most fall between $18 and $28. USAA offers the lowest average rate at $18 per month, while Liberty Mutual tops the list at $28.
Auto Insurance Monthly Rates by Coverage Type| Company | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| $24 | $55 | $65 | $165 |
| $22 | $50 | $60 | $150 |
| $26 | $58 | $68 | $172 |
| $28 | $62 | $70 | $180 |
| $23 | $52 | $65 | $158 |
| $21 | $48 | $60 | $147 |
| $20 | $46 | $58 | $140 |
| $23 | $51 | $63 | $160 |
| $22 | $50 | $61 | $155 |
| $18 | $42 | $55 | $135 |
Other major insurers, including Nationwide, Progressive, and State Farm, tend to offer rates in the low $20s. These costs are influenced by factors like your location, vehicle, and deductible amount.
When bundled with collision and liability insurance, comprehensive coverage contributes to a well-rounded full coverage policy that protects your car against both accident-related and non-collision damage. See more details in our guide, “Car Insurance for a Stolen Car.”
Who Needs Comprehensive Insurance
Comprehensive car insurance protects your vehicle from risks like theft, vandalism, natural disasters, and non-collision accidents. It’s a smart choice for drivers who want to avoid major out-of-pocket expenses in unpredictable situations. But is it right for you? Let’s explore who benefits most from adding comprehensive coverage to their policy.
If You Drive Frequently or Park in Risky Areas
Your driving habits and parking environment play a big role in determining whether comprehensive insurance is worth it. Daily commuters, long-distance travelers, and people who park on streets, in unsecured lots, or under trees face a higher risk of non-collision damage. These drivers benefit greatly from the added protection comprehensive insurance offers.
Even if you drive infrequently, living in areas prone to floods, wildfires, falling debris, or vandalism increases your exposure to damage. In these cases, comprehensive coverage can protect you from costly repairs and give you peace of mind (Learn more: Getting a Car Accident Vehicle Damage Estimate).
If You Want a Reliable Provider in an Emergency
When disaster strikes, you want an insurer that makes the claims process simple and fast. Drivers who value customer support, fast payouts, and clear communication should look for companies with high claim satisfaction ratings. A dependable provider ensures you’re supported when you need it most.
Look for insurers with user-friendly apps, strong customer reviews, and straightforward policy management tools. This kind of support makes a real difference during stressful situations.
Learn More: How do I know if I chose the right coverages?
If You Need Custom Protection That Fits Your Lifestyle
Comprehensive insurance often comes with the option to add extra features—like towing coverage, zero depreciation, or return-to-invoice benefits. These are ideal for drivers with newer vehicles, or those living in high-risk areas, but may not be necessary for every situation.
For example, if you live in a flood zone, adding engine protection could be a smart investment. On the other hand, if you rarely drive, skipping extra features might help you save. Choose only the add-ons that match your needs and usage. Get more insight answering to curiousity, can I add or remove coverages in the middle of my policy?
If You Want to Make Smarter Insurance Decisions
Understanding insurance basics like premiums, exclusions, and coverage limits helps you get the most value from your policy. Drivers who invest a little time in learning these terms can compare options more confidently and avoid hidden gaps in coverage.
Knowing your vehicle’s insured declared value (IDV) and what’s excluded from coverage puts you in a stronger position to choose the right protection.
Read more: How do exclusions and limitations in an insurance policy affect my coverage?
If You Prefer Digital Convenience and Quick Claims
Many drivers today expect digital tools to simplify insurance tasks. If you want the ability to buy, renew, or file claims online, look for companies with robust mobile apps and 24/7 customer service. A strong digital experience helps you manage your policy with ease and resolve issues faster.
Scott W. Johnson Licensed Insurance Agent
Quick access to support is especially helpful in emergencies—so choosing a tech-savvy provider adds real value to your comprehensive policy. Delve into detials on how to file an car insurance claim with response insurance company.
If You’re Concerned About Out-of-Pocket Costs
Every comprehensive policy has a deductible, which is the amount you must pay before your insurer covers the rest. Selecting the right deductible is important like Nationwide’s vanishing deductible: a higher one lowers your premium, but increases your out-of-pocket cost in a claim (Read more: How to File a Car Accident Claim).
Drivers who want affordable premiums but also manageable repair bills should choose a deductible that strikes the right balance. Planning ahead means fewer financial surprises down the line.
If You’re Looking for Long-Term Savings
Comprehensive coverage isn’t just about protection—it can also lead to long-term savings. Drivers with a clean record may qualify for a no claim bonus, which can reduce premiums by up to 50% over time.
Progressive’s Snapshot® Safe Driver Program also rewards safe driving habits with potential discounts. Other discounts may apply for bundling insurance policies, installing anti-theft devices, or being a loyal customer.
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
If you’re planning to keep your car for several years, these savings can make comprehensive insurance more affordable in the long run. Always ask about available discounts before committing to a policy.
Read more: Comprehensive vs. Non-Comprehensive Coverage
10 Best Auto Insurance Companies for Comprehensive Coverage
Nationwide, USAA, and Liberty Mutual offer standout comprehensive coverage for everything from theft and vandalism to natural disasters. Explore the pros and cons to find the best fit for your needs:
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#1 – Nationwide: Top Overall Pick
Pros
- Vanishing Deductible: Nationwide’s vanishing deductible reduces your comprehensive deductible by $100 for each year of accident-free driving, up to $500 total.
- Strong Claims Service: With a claims satisfaction score of 728/1,000, Nationwide leads the pack in resolving comprehensive claims efficiently and with high customer satisfaction.
- Glass Coverage Add-On: You can add optional full glass coverage to your comprehensive policy to cover windshield or window damage without paying a deductible.
Cons
- Rate Variability: Monthly rates for comprehensive coverage starts at $23, but can vary widely based on individual risk factors like driving history or location.
- 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?“
#2 – USAA: Best for Military Members
Pros
- Included Glass Coverage: USAA includes glass coverage with your comprehensive policy (with deductible), offering protection from cracked or shattered windshields without requiring a separate add-on.
- Lowest Premiums: At $18 a month, USAA offers the lowest average cost for comprehensive insurance among all major insurers.
- Military-Specific Benefits: Comprehensive coverage includes deployment-based savings and flexible storage options for deployed service members.
Cons
- Restricted Eligibility: Only active military members, veterans, and eligible family members can purchase USAA’s comprehensive auto insurance.
- Limited Access: USAA’s comprehensive coverage isn’t available to all drivers. Learn more in our guide, “Does USAA offer comprehensive coverage?“
#3 – Liberty Mutual: Best for Unique OEM Parts Coverage
Pros
- Highly Customizable Coverage: Liberty Mutual allows drivers to tailor comprehensive policies with optional protections like new car replacement, rental car reimbursement, and accident forgiveness.
- Multi-Policy Discounts: Bundling comprehensive auto coverage with home or renters insurance can result in up to 30% savings.
- Optional Glass Coverage: Full glass coverage is available as an add-on, covering windshield repairs and replacements without a deductible.
Cons
- Highest Monthly Premiums: Liberty Mutual is the most expensive for comprehensive coverage among the top 10 at $28 a month.
- Claims Delays: Despite a solid satisfaction score, customers report slower turnaround times (Read more: Does Liberty Mutual offer comprehensive coverage?).
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#4 – State Farm: Best for Agent-Centric Customer Service
Pros
- Strong Agent Support: Comprehensive claims are often handled quickly thanks to State Farm’s extensive local agent network and a solid claims score of 710/1,000.
- Competitive Pricing: At $20 a month, State Farm provides affordable rates for comprehensive coverage that includes weather, theft, and animal-related damage.
- Optional Glass Coverage: As per State Farm review, comprehensive coverage can include glass-only claims with an added endorsement to reduce out-of-pocket repair costs.
Cons
- Less Generous Multi-Policy Discount: While bundling is available, the discounts on comprehensive coverage are smaller compared to some competitors.
- Premiums Can Increase with Add-Ons: Adding features like emergency roadside service or car rental coverage to your comprehensive policy can raise the overall cost significantly.
#5 – Farmers: Best for Bundled Policies
Pros
- Full Glass Buyback: Farmers offers full reimbursement for glass damage under its comprehensive coverage, which means you won’t pay a deductible to replace a windshield.
- High Customizability: Drivers can select add-ons like loss of use, original equipment manufacturer (OEM) parts, or rideshare protection as part of their comprehensive policy.
- Strong Satisfaction Rating: Farmers scores 706/1,000 in claims satisfaction, indicating above-average service in resolving comprehensive damage claims.
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?“
- Expensive Premiums: At $26 a month, Farmers is one of the highest-cost providers for comprehensive coverage.
#6 – The Hartford: Best for AARP Member Benefits
Pros
- AARP Member Benefits: Through its AARP partnership, The Hartford offers exclusive rates and benefits tailored to older drivers seeking comprehensive coverage.
- Optional Glass Endorsement: Policyholders can purchase full glass coverage as an add-on to avoid deductibles for windshield damage.
- Good Claims Record: A score of 701/1,000 reflects reliable service for comprehensive damage, especially for senior drivers.
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?“
- Fewer Discounts: There are fewer discount options for comprehensive coverage unless you qualify through an organization like AARP.
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#7 – American Family: Best for Costco Members
Pros
- Multiple Endorsement Options: American Family offers optional add-ons to comprehensive policies like accidental death and emergency roadside service.
- Mid-Tier Rates: Comprehensive coverage rates at $22 a month, providing a balance between cost and flexibility.
- Costco Member Savings: Exclusive pricing and savings are available for Costco members who bundle comprehensive coverage with other lines of insurance.
Cons
- Smaller Discount Pool: Comprehensive coverage offers fewer multi-policy savings than competitors. Read more in our guide, “Does American Family Insurance offer comprehensive coverage?“
- Premiums Rise Quickly With Add-Ons: Optional coverages for roadside, gap insurance, or OEM parts can significantly increase the cost of comprehensive plans.
#8 – Allstate: Best for Drivewise® App Rewards
Pros
- Broad Coverage Options: Allstate offers comprehensive protection for natural disasters, falling objects, and theft, with optional coverage for custom equipment.
- Roadside & Rental Benefits: You can enhance comprehensive coverage with Allstate Motor Club and rental car reimbursement add-ons.
- Good Agent Support: Allstate’s wide network of local agents helps simplify the comprehensive claims process and provides hands-on assistance.
Cons
- High Monthly Cost: At $24 a month, Allstate’s comprehensive coverage is among the most expensive on the list. Learn more in our guide, “Does Allstate offer comprehensive coverage?“
- Discounts May Not Apply: Many Allstate discounts—such as safe driver and early signing—don’t apply to comprehensive-only policies.
#9 – Travelers: Best for Strong Rental Car Coverage
Pros
- Unique Add-Ons Available: Travelers offers coverage options like accident forgiveness and new car replacement that enhance your comprehensive policy.
- Digital Tools for Claims: Its online portal simplifies filing and tracking comprehensive claims, making it easy to upload documents and get updates.
- Reasonable Rates: At $22 a month, Travelers offers middle-tier pricing for comprehensive protection (Read more: Does Travelers car insurance cover damage caused by a road hazard?).
Cons
- Glass Coverage Is Extra: Full glass protection is not included in standard comprehensive coverage and must be added separately.
- Slower Claims Process: A claims satisfaction score of 684/1,000 reflects longer processing times for comprehensive claims.
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#10 – Progressive: Best for Snapshot® Safe Driver Program
Pros
- Budget-Friendly Option: At $21 a month, Progressive is the most affordable provider among large insurers for comprehensive coverage.
- Name Your Price Tool: This tool lets you adjust your comprehensive coverage features to stay within your budget.
- Optional Coverage Flexibility: Add-ons include gap insurance, custom parts protection, and pet injury coverage—all customizable within the comprehensive policy.
Cons
- Limited Glass Coverage Unless Added: Progressive does not include full glass protection in its standard comprehensive coverage (Read more: Does Progressive offer comprehensive coverage?).
- Lowest Claims Satisfaction: With a score of 672/1,000, Progressive ranks lowest in customer satisfaction for comprehensive claims.
Case Studies: Choosing the Best Comprehensive Coverage
Vehicle protection varies based on the chosen comprehensive coverage. Nationwide, USAA, and Liberty Mutual offer the most affordable quotes, flexible plans, and dependable services. Here’s why each stands out.
- Case Study #1: A safe driver in Ohio chose Nationwide for its vanishing deductible, reducing their deductible by $100 each accident-free year—up to $500. With optional glass coverage and a top claims rating, Nationwide offers reliable protection at $158/month.
- Case Study #2: A military family in North Carolina picked USAA for its affordable comprehensive plan at $135/month, which includes glass coverage with a deductible and deployment flexibility. With a 726/1,000 claims score, USAA delivers unmatched value and service for eligible members.
- Case Study #3: A new car owner in California chose Liberty Mutual for customizable options like new car replacement and accident forgiveness. Though premiums average $180/month, its strong claims rating and tailored protection made it worth the investment.
These providers offer convenience and great service, giving you peace of mind while driving. Get more insight through our guide about 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 does comprehensive auto insurance actually cover?
Comprehensive coverage pays for damage caused by events other than collisions—such as theft, vandalism, fire, hail, falling trees, and animal strikes. It’s essential for protecting your vehicle from unpredictable non-driving hazards.
For accident-related coverage, see our guide, “10 Best Car Insurance Companies for Collision Coverage.”
Why are Nationwide, USAA, and Liberty Mutual ranked the best for comprehensive coverage?
Nationwide offers vanishing deductible rewards for safe drivers, USAA provides the lowest rates and built-in glass protection for military families, and Liberty Mutual allows extensive customization with features like new car replacement and accident forgiveness. Use our free comparison tool to see what auto insurance quotes look like in your area.
Who has the lowest price for comprehensive coverage?
USAA has the most affordable average rate at $18 a month, but it’s available only to military members, veterans, and eligible family members. Progressive also offers low starting rates for broader eligibility.
Which companies offer meaningful discounts that apply to comprehensive coverage?
Nationwide offers vanishing deductible savings, Liberty Mutual rewards policy bundling, and State Farm applies multi-line discounts that help reduce comprehensive premium costs. Ask about safe driver and anti-theft device discounts too.
Learn more in our relevant guide, “Best Multi-Policy Car Insurance Discounts.”
Can I customize what’s included in my comprehensive coverage?
Yes. Insurers like Liberty Mutual and Progressive allow you to tailor your comprehensive policy with add-ons such as full glass coverage, OEM parts replacement, and deductible options using tools like Name Your Price® and Deductible Fund.
What’s the best company for bundling home and comprehensive auto insurance?
State Farm and Farmers both offer competitive bundling discounts, often reducing overall costs by up to 25% when combining home, renters, or life insurance with auto coverage. Browse more in our guide, “Can I bundle my State Farm car insurance with other policies?”
Are there drawbacks to choosing Liberty Mutual or Allstate for comprehensive plans?
While both offer robust features, Liberty Mutual has the highest average rate at $28 a month, and Allstate—at $24 a month—may not be cost-effective unless you fully utilize discounts like Drivewise® or safe driving perks.
Is there a provider that specializes in comprehensive coverage for older drivers?
Yes. The Hartford, in partnership with AARP, tailors comprehensive policies for senior drivers, offering lower deductibles, lifetime renewability, and strong claims support.
Does roadside assistance come with comprehensive coverage?
Not automatically. Some providers—like Allstate and The Hartford—bundle roadside assistance with comprehensive plans, while others require it as an add-on. Always check the policy details before assuming it’s included.
Read more: Does Allstate offer roadside assistance?
What should I look for when comparing comprehensive auto insurance policies?
Focus on the scope of non-collision protection, deductible options, glass coverage, and customer service quality. Compare rates, read reviews, and use our quote tool to find a provider that matches your needs and driving risks.
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.
