Get a quote

Comprehensive coverage

Protect your car (and wallet) from Mother Nature.

Check our prices

What is Comprehensive insurance?

Comprehensive auto insurance pays for covered damage to your vehicle caused by anything other than an accident. Think deer damage to your car, storm or flood damage, and even theft.

What does Comprehensive NOT cover?

"X" icon in black circle

Damage due to an auto accident

"X" icon in black circle

Intentional acts of destruction

"X" icon in black circle

Items in your car

"X" icon in black circle

Normal wear and tear on your vehicle

Is Comprehensive coverage required?

Unlike Bodily Injury and Property Damage, which are required by every state, Comprehensive is not. If you finance or lease your vehicle, your lien holder (finance or leasing company) may require it. 

When deciding whether or not to purchase Comprehensive insurance, ask yourself if you could afford to replace a stolen or totaled car. If the answer is no, you may want to consider adding Comprehensive coverage.

Deductibles

When you purchase Comprehensive coverage, you will choose your deductible. A deductible is the amount you pay toward repairs or a replacement car before insurance kicks in. The lower your deductible, the higher your monthly insurance rate. So, if you want to pay just $100 toward a repair before Root starts paying, your monthly rate will be more.  If you would prefer to pay less each month, you could choose a higher deductible like $1,000. This means that while your monthly insurance rate is lower, you would be responsible for a bigger chunk of a repair bill before Root begins paying. Say, for example, you have $1,300 in hail damage. You would pay $1,000 before Roots pays the balance of $300. It’s important to know that whatever deductible you choose, that dollar amount is per incident, not per year. So each time a tree falls on your car, your deductible needs to be met again.

Comprehensive insurance vs. Collision insurance

Both these coverages protect your car, but from different sources of damage. Without these coverages, you’ll be paying for repairs or a replacement vehicle out of pocket.

collision icon in black circle

Collision auto insurance covers your vehicle when your car is damaged in an accident or if you’re the victim of a hit-and-run.

car in water icon in black circle

Comprehensive coverage is for when your car is damaged by weather, an animal, vandalism, or if it’s stolen.

Customized coverage, all in an app

Comprehensive coverage is just one of the ways to protect yourself with a Root policy. Find out how easy it is to customize a policy that works for you. Check out all of Root’s coverage options.

Check our prices

Related blogs

Comprehensive vs. Collision: Definitions and tips on how to choose coverage

May 2, 2018

Car Insurance in Everyday English, Part 2 | Today we’re telling you all about how to choose collision and comprehensive car insurance coverages.

Read more

How to choose Liability, Bodily Injury & Property Damage coverage

May 2, 2018

Car Insurance in Everyday English, Part 1 | Car insurance—you've got to have it, but that doesn't always mean you understand it.

Read more

How Root prices car insurance

October 6, 2017

You might already know we’re a different kind of car insurance company—based all in the Root app—and that good drivers could save $900/year.

Read more

Car insurance FAQCar insurance coverageRenters insuranceHomeowners insuranceClaimsTest driveReferralsContactInvestor relations
PressBlogTerms and conditionsPrivacy policyApp license agreementUGC privacy noticeWeather related eventsNon-weather emergenciesSitemapDo not sell or share my personal informationManage Cookies

Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit joinroot.com/califaq for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.