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Collision Insurance

Things to Remember

  • Collision auto insurance is not part of basic coverage.
  • Collision will cover damages to your vehicle if you cause an accident with another car, hit another object, or have a rollover accident.
  • Collision coverage is generally inexpensive to add to your policy.

One of the many types of auto insurance you may consider adding to your basic coverage is collision. This one of the common types of auto insurance coverage, and it will cover property damages for you in the event that you cause an accident. Collision coverage shouldn’t be confused with liability, which covers any damages to the other person if you cause an accident.

Affordable auto collision insurance can be added to your policy as an inexpensive way to cover your car in the event of an accident. Enter your ZIP code now to compare quotes and buy collision auto insurance.

Table of Contents

How Collision Auto Insurance Works

Collision insurance is not part of basic auto insurance coverage and is considered an add-on. Collision auto insurance, by definition, pays for damage caused by a collision. Collision coverage helps pay for replacements or repairs if your car is damaged by a collision with another car (and the accident is found to be your fault) or object, like a fence or tree. Collision will also more than likely be required if you finance your car.

Watch this video to learn more about collision car insurance.

What’s the cost of collision auto insurance?

Collision coverage is generally inexpensive to add to your car insurance policy. The following table includes the average annual collision auto insurance rates. Search for your state to see what rate you can expect to pay.

Average Annual Collision Auto Insurance Rates by State
StateAverage Annual Collision Auto Insurance
Rates
Alabama$299.10
Alaska$360.18
Arizona$259.31
Arkansas$304.87
California$364.56
Colorado$263.36
Connecticut$348.70
Delaware$296.60
District of Columbia$449.27
Florida$251.30
Georgia$320.45
Hawaii$297.75
Idaho$209.00
Illinois$284.92
Indiana$237.19
Iowa$207.10
Kansas$251.46
Kentucky$255.33
Louisiana$391.03
Maine$249.00
Maryland$331.72
Massachusetts$358.68
Michigan$383.21
Minnesota$214.02
Mississippi$302.96
Missouri$259.65
Montana$254.90
Nebraska$223.50
Nevada$293.78
New Hampshire$281.70
New Jersey$365.23
New Mexico$267.48
New York$358.45
North Carolina$264.58
North Dakota$227.44
Ohio$252.21
Oklahoma$298.21
Oregon$212.47
Pennsylvania$307.31
Rhode Island$377.06
South Carolina$247.62
South Dakota$200.10
Tennessee$290.39
Texas$340.51
Utah$254.41
Vermont$278.38
Virginia$264.70
Washington$250.13
West Virginia$319.10
Wisconsin$209.93
Wyoming$270.48
Countrywide$299.73
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The average collision auto insurance cost is only $25 a month.

What does collision auto insurance cover?

Collision insurance will cover a variety of situations, including:

  • Hitting another object with your car, like a fence or tree.
  • A single-car accident that includes a rollover.
  • Colliding with another car.
  • Damages from someone hitting your car if they don’t have enough coverage.
  • Damages to your car in a hit-and-run.

In an accident that is not your fault, the other driver’s liability property damage coverage is the first line of defense for covering your damages.

Collision coverage is recommended if you have a newer vehicle that would be costly to repair.

What doesn’t collision auto insurance cover?

Collision car insurance will not cover:

  • Damages to your car not resulting from an accident, such theft, vandalism, flooding, or hail.
  • Damages to the other car if you cause an accident.
  • Medical bills.

Many of these incidents would be covered by other forms of car insurance, like liability or comprehensive coverage.

What are collision auto insurance deductibles and limits?

Each policy has a deductible and limits to what will be paid out. What are car insurance deductibles? The deductible is the amount you must pay upfront before your coverage kicks in.

You can set your collision auto insurance deductible, though you should keep in mind that the higher your deductible is, the lower your rate will be. For example, setting your deductible at $1,000 will keep your auto insurance rates low. However, that means that you have to pay that $1,000 out of pocket when/if you file a claim.

Your policy also has a limit, which is the most money it will pay if you file a claim. Your collision limit is generally the depreciated value of your car.

Why Buy Collision Auto Insurance Coverage

Although not everyone needs collision coverage, there are certain instances where adding collision coverage to your auto insurance policy is a good idea.

Do you need collision auto insurance?

Since collision insurance helps to cover the cost of repairing or replacing your vehicle, you must figure out how much your car is worth. You can use a resource like Kelley Blue Book to determine your vehicle’s worth.

If you have an older car that isn’t worth much money, adding collision coverage might not be a worthwhile investment. For example, if you have a $1,000 deductible and your car is only worth around $1,000, it doesn’t make sense to pay for extra coverage. However, if you drive a newer car that can be expensive to repair or replace, the cost of collision insurance might be worth it to you.

It’s also important to note that if you finance your vehicle, you will generally have to carry full coverage, which includes collision and comprehensive coverages.

What’s the difference between collision and comprehensive auto insurance?

What’s the difference between collision and comprehensive auto insurance? Comprehensive coverage helps with damages to your car not caused by a collision. Some examples include:

  • Theft
  • Vandalism
  • Hail
  • Flooding
  • Fire
  • Falling tree limbs
  • Animal damage, such as hitting a deer or squirrels chewing your wiring

Similarly to collision coverage, you will have a deductible and you need to consider adding this coverage. Take into account the value of your vehicle and the cost of the coverage to decide if comprehensive coverage is right for you.

Adding additional coverages to your auto insurance policy may provide you with more peace of mind. Do the research and determine if you need collision auto insurance.

Shopping around for coverage ensures you find the best insurance at the best price. Enter your ZIP code to compare collision auto insurance quotes.

References:

  1. https://www.kbb.com/

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