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 Car insurance is mandatory in 48 states, but many people may feel its cost can be frustrating and confusing.

Many factors will make your comprehensive car insurance be such expensive:  your car's make/model your driving history, etc...

Facts about comprehensive insurance: it's one of the best car insurance coverage options available for your car. It's one of the most expensive policies in the market. We will explore why comprehensive coverage is so expensive and what you can do to decrease your car insurance policy costs.

What is Comprehensive Car Insurance?

Comprehensive car insurance is a type of coverage that provides protection against a wide range of risks and hazards. Comprehensive car insurance covers damage to your vehicle caused by theft, fire, natural disasters, or if you hit a deer. But it does not covers damage to another car or people.

The Cost of Comprehensive Car Insurance

When we talk about how much a comprehensive policy costs, we must look at many factors that would make your policy cost more or less, including the type of vehicle you drive, your driving record, and the coverage limits you select. On average, comprehensive car insurance coverage costs $1,500 /y in the United States.

Why is Comprehensive Car Insurance So Expensive?

There are several reasons why comprehensive car insurance is so expensive:

Claims are Costly

It may be expensive filing a comprehensive car insurance policy claim. That is because comprehensive insurance covers a wide range of events and hazards that may potentially affect severly to your vehicle. Additionally, the repairing or replacing costs of a high-performance or luxury vehicle can be much higher than the cost of repairing a standard car.

Insurance Companies Assess Risk

Insurance companies assess the risk of insuring a particular vehicle and driver and set their premiums accordingly.

High-risk drivers often must pay higher premiums to account for the increased risk covering them. Individuals who drive expensive vehicles such as luxury or high-spec one may be charged higher premiums due to the increased cost of repairing orreplacing these vehicles, and they tend to be more likely to be stolen.

Natural Disasters and Theft

Natural disasters and theft can result in significant damage to your vehicle, so car insurance companies must account for the increased likelihood of these events when setting their premiums. Drivers in areas that often happens natural disasters -Florida as an example- or theft may pay higher premiums to account for the increased risk.

How to Keep Your Comprehensive Car Insurance Costs Down

There are many reasons why the high cost of comprehensive car insurance, follow the next tips to reduce your comprehensive car insurance costs:

Shop Around

The best way to reduce a comprehensive's insurance policy costs is to shop around, compare different car insurance companies, and check what you need to cover on your policy. Comparing policies' coverage and price will help you determine the best coverage for your vehicle.

For example, you will never need earthquake coverage in Florida or North Dakota.

Choose a Safe Vehicle

Choosing a safe and reliable vehicle can also help you maintain your comprehensive car insurance costs down. For example, cars considered less likely to be involved in accidents or theft are less expensive to insure.

Maintain a Good Driving Record

Maintain a good driving record to keep your comprehensive car insurance costs down. When you can demostrate that you're a good driver, you can avoid accidents and traffic violations will help you maintain a good driving record and lower your insurance premiums.

Increase Your Deductible

Increasing your deductible is another way to lower your comprehensive car insuranse costs. Choose a higher deductible means you take more financial responsibility when you file a claim, which can lower your insurance premiums.

Consider Telematics

Telematics is a technology that can help you keep your comprehensive car insurance costs down by allowing insurance companies to monitor your driving habits. Auto insurance companies use telematics to verify how often you drive, your driving speed, and other factors will help them to calculate your insurance premium, remember that car insurance companies offer discounts to safe and responsible drivers.


Comprehensive car insurance is not mandatory, but it covers many possible damages caused by the acts of God, such as floods, fires, earthquakes, or hitting a deer. In addition, comprehensive coverage protects your vehicle against theft or vandalism.

It's true that comprehensive insurance is costly, but it's worth the cost due the large amount of coverage provided to your vehicle. Remember if you file a claim to your auto insurer, comprehensive coverage will also check where you live. If you live in a place with a lot of earthquakes -California as an example- your insurer will have to cover your vehicle damages by earthquakes, your premiums will increas due the natural disasters.

You can take some of the tips explained above to decrease your comprehensive car insurance premiums, including shopping around, choosing a safe vehicle, maintaining a good driving record, increasing your deductible, and considering telematics.


Q: What is comprehensive car insurance?
A: Comprehensive car insurance protects a wide range of risks as: flood, fire, earthquakes, vandalism, theft, hitting an animal while driving.
Q: How much does comprehensive car insurance cost?
A: The cost of comprehensive car insurance varies widely based on On average, comprehensive car insurance costs $1,500 in the United States.
Q: Why is comprehensive car insurance so expensive?
A: Comprehensive car insurance is so expensive due to the high cost of claims, the assessment of risk by insurance companies, and the increased likelihood of natural disasters and theft.
Q: How can I keep my comprehensive car insurance costs down?
A: You can keep your comprehensive car insurance costs down by shopping around, choosing a safe vehicle, maintaining a good driving record, increasing your deductible, and considering telematics.
Q: What is telematics and how can it help with comprehensive car insurance costs?
A:Telematics is a technology that allows insurance companies to monitor your driving habits, offering discounts to safe and responsible drivers. This information can be used to lower your comprehensive car insurance premiums.

Other readers were also interested in the following posts:   

Does My Comprehensive Car Insurance Cover Me to Drive Another Car?  

Understanding Auto Insurance Carriers: A Comprehensive Guide   

Comprehensive Coverage Cost Factors - Learn the 5 Factors That Affect Your Insurance Premium  

Real-life scenarios where comprehensive coverage would be necessary or beneficial

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