Comprehensive vs. Collision Coverage: Which Do You Need?


When it comes to protecting your vehicle, there are different types of auto insurance coverage available. Two of the most common types of coverage are comprehensive and collision coverage. But which one do you need? In this blog post, we’ll discuss the differences between these two types of coverage and help you determine which one is right for you.

What is Comprehensive Coverage?

Comprehensive coverage, also known as “”other than collision”” coverage, provides protection for your vehicle in the event of damage or loss caused by something other than a collision. This coverage typically includes:

Natural disasters, such as hurricanes or earthquakes
Falling objects, such as tree branches or rocks
Animal collisions

What is Collision Coverage?

Collision coverage provides protection for your vehicle in the event of a collision with another vehicle or object, regardless of who is at fault. This coverage typically includes:

Collisions with other vehicles
Collisions with stationary objects, such as trees or fences
Single-vehicle accidents, such as hitting a pothole or rolling over

Which One Do You Need?

Whether you need comprehensive or collision coverage (or both) depends on several factors, such as the value of your vehicle and your personal financial situation. If your vehicle is new or has a high value, both types of coverage may be necessary to protect your investment. However, if your vehicle is older or has a low value, you may be able to get by with just liability coverage, which is typically the minimum required by law.


Comprehensive and collision coverage are both important types of auto insurance coverage that can protect your vehicle in the event of damage or loss. By understanding the differences between these two types of coverage and considering your personal financial situation, you can determine which one (or both) is right for you.

Request a Quote Today

Ready to find the right auto insurance coverage for your needs? Request a quote today by calling our office at 541-447-6372 or reaching out to us on social media. We’re here to help you find the right coverage for your needs in Oregon, Washington, and the Pacific Northwest.