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Comprehensive coverage

Protect your car (and wallet) from Mother Nature.

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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?

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Damage due to an auto accident

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Intentional acts of destruction

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Items in your car

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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.


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.

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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.

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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.

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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 for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.