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Collision insurance coverage

Accidents happen—Collision coverage can help you pay for them.

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What is Collision insurance?

Collision insurance coverage helps if you are in an accident. We hope this never happens, but if it does, Root is here for you.

You use Collision coverage for:

Crash icon

Accidents with another vehicle

Cracked windshield icon

Hitting an object, like a tree

A single-car accident (just you)

What does Collision insurance cover?

If you cause an accident, Collision coverage will help to pay for repairs to your vehicle (after your deductible), or will help pay for a replacement vehicle if you’ve totaled your car.

Collision insurance also helps if you’re involved in a hit-and-run, or if you’re hit by someone driving without insurance.

Collision insurance will NOT cover:

Damage to other vehicles

broken windshield icon

Property damage

medical case icon

Medical bills

Weather damage

What's the difference:

Comprehensive vs. Collision coverage

Comprehensive will pay for damage to your car that wasn’t caused by another vehicle, like weather damage and vandalism, and it even covers you if your car is stolen. Collision covers damage to your vehicle if you cause an accident. Having both Comprehensive and Collision insurance covers you for more of those unexpected events that can happen to your vehicle.

There are some things neither Comprehensive nor Collision will cover


Stolen property

Your car is covered, your stuff inside the car is not.


Intentional acts

Damage you do to your car on purpose.

How much does Collision insurance cost?

It depends on your deductible. The lower your deductible, the higher your insurance rate. Likewise, the higher your deductible, the lower your insurance rate.

A deductible is how much you pay first (before your insurance kicks in). You can choose your deductible amount, from as little as $100 to as much as $1,000 or more. If you choose the $100 option, your overall insurance policy is going to cost a little more than if you choose a higher deductible amount. So it comes down to how comfortable you are paying out of pocket, or paying a higher monthly (or semi-annual) rate.

If you have questions about deductibles, we’re happy to help. Email us at

Do I need Collision insurance?

If your vehicle is leased, or you had to take out a loan to pay for your vehicle, the leasing company (or lien holder) will likely require it. Otherwise, Collision coverage is not required. However, without Collision insurance, if you damage your vehicle in an accident, you’ll be paying for vehicle repairs out of pocket. It depends on how comfortable you are financially, and if you think you’d have enough cash available to fix your vehicle.

The Collision coverage you need, all in an app

When you use the Root app to customize your coverage, we’ll update your premium cost immediately to show how much your coverage impacts your rate, before you buy. 

You can learn about all of our coverage options here.

Check our prices

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