The Difference Between Comprehensive & Collision Insurance | Carlsbad, CA

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Collision Insurance

Collision insurance covers auto collisions with another vehicle or objects, such as trees or concrete barriers. It should be noted that collision insurance also covers pothole damage.

Comprehensive Insurance

Comprehensive insurance is for non-collision-related incidents, such as hail, wind, natural disasters, contact with animals, glass damage, theft, and vandalism.

Was your vehicle damaged in a recent collision or severe hailstorm? Our experts at the Carlsbad Collision Center created this comprehensive versus collision insurance guide to help you understand the differences between collision and comprehensive auto insurance. Schedule an estimate at our auto repair shop in Carlsbad, CA, or call a Carlsbad Collision Center representative at (760) 476-1027 to discuss your vehicle’s collision repair options.

Which is Better: Comprehensive vs. Collision Insurance?

Often times, comprehensive car insurance covers events that collision insurance does not – meaning it can be beneficial to have both types of coverage depending on your unique circumstances.

Factors to Consider

Some key factors to consider when choosing comprehensive, collision, or both types of insurance range from the value of your vehicle, how far and often you drive, and geographic tendencies. For example, your city of residence may be earthquake-prone, experience seasonal fires, or have a heavy deer population. If this is the case, you may want to consider comprehensive car insurance. If your vehicle is newer and you commute long distance frequently, you may want to look into additional collision insurance.

When Should You Drop Collision or Comprehensive Insurance?

If your needs change, it may become appropriate to drop your collision or comprehensive auto insurance. However, California law requires drivers to have at minimum:

  • $15,000 per person bodily injury liability coverage
  • $30,000 per accident bodily injury liability coverage
  • $5,000 property damage liability coverage


Please contact your insurance provider for additional insurance information, rates, and available discounts.