Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Benjamin Carr was a licensed insurance agent in Georgia and has experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. Benji is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: May 2, 2021

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To Sum It Up

  • Collision auto insurance pays for damage done to your vehicle.
  • Repairs and total loss cars can be covered by collision car insurance.
  • GAP insurance is recommended for financed cars.
  • Collision auto insurance cost depends on your vehicle’s make and model year.

Liability auto insurance may not pay for damages to your vehicle as an at-fault, but collision auto insurance will cover your vehicle’s damages. However, you could run into a deductible before your car insurance company provides any compensation for your damaged car.

Continue reading to learn more about collision auto insurance and how to find affordable auto insurance for military veterans.

You can find multiple companies that provide collision auto insurance quotes in your local area by entering your ZIP code in the free online comparison tool above.

What is collision auto insurance?

Collision car insurance is auto insurance coverage that provides compensation when you get into an accident with another driver regardless of fault.

In other words, your car insurance company will provide coverage for repair costs even if you’re at fault in a car accident.

What does collision auto insurance cover?

The collision insurance definition means car insurance pays for damage from a collision. When you have collision auto insurance on your policy, you will be covered for any collision you have with another object, such as another car, a pole, or any other device. However, collision insurance will not cover damage from vandalism or vehicle theft.

How does collision auto insurance work?

If you get into an accident, you should file a claim with your auto insurance company. With collision insurance, your auto insurance company will ask you to take pictures of the damage.

Also, you’ll need to get an estimate for the damages if your car is still functioning. Your car insurance company will cut a check once you find a body shop that will repair your vehicle.

Total loss accidents will result in your auto insurance company cutting a check for the car’s cost. If your vehicle is being financed, you’ll need GAP insurance to cover the balance of the car at the finance company, as well as money to get you back on the road.

Do you have a deductible for collision auto insurance?

When you buy collision auto insurance, you will have a deductible that goes along with the coverage. Deductibles range from $0 to $1500 and possibly more.

A deductible is an amount you’ll need to pay out-of-pocket before an auto insurance company pays for damages to your vehicle.

Higher deductibles produce cheap collision auto insurance, but low deductibles can increase your collision auto insurance rates.

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How much does collision auto insurance cost?

Your collision car insurance rates will vary by vehicle and by state. The National Association of Insurance Commissioners (NAIC) records the average cost of collision insurance every year. Here’s the latest collision auto insurance rates.

Allstate vs. Farmers Average Monthly Rates Based on Driving Infractions
Driving Record InfractionsAllstateFarmers
At-fault Accident with less than $1,000 in damage$190$142
At-fault accident with more than $1,000 in damage$250$195
DWI/DUI$303$270
Reckless Driving$282$386
Speeding$188$170
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The highest states for collision insurance are Michigan and Louisiana. The District of Columbia (Washington, D.C.) has the most expensive collision insurance on average.

Do I need collision auto insurance?

Anyone who finances a car is required to carry collision auto insurance along with liability and comprehensive coverage. Until you finish paying for the vehicle, the finance company or bank wants to protect the asset – your car.

Vs. Comprehensive Auto Insurance

Collision and comprehensive car insurance are both vehicle type insurance coverages—however, comprehensive covers damage your vehicle that doesn’t involve a collision.

Therefore, any damage from vandalism, a fire, a storm, vehicle theft, falling object, or any other damage that doesn’t involve you colliding into something is covered by comprehensive insurance.

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Collision Auto Insurance: The Bottom Line

Collision insurance is part of the basics of reliable car insurance. Older model year vehicles go without it, but any car you finance will need collision auto insurance.

If you want to secure affordable collision auto insurance with a local auto insurance company, enter your ZIP code in the free online quote tool below.