You have a new vehicle and need to protect it, comprehensive motor insurance is one of the most robust types of coverage available. Unlike basic liability insurance that only covers damage to others, comprehensive coverage pays for damages to your own vehicle caused by events beyond your control—like theft, vandalism, natural disasters, or falling objects. In the United States, several well-established insurance companies offer trusted and high-quality comprehensive motor insurance policies tailored to the diverse needs of drivers.

GEICO

GEICO is among the most popular and trusted comprehensive motor insurance providers in the U.S., known for competitive pricing and excellent customer service. Their comprehensive coverage includes protection from theft, fire, vandalism, natural disasters, and animal-related accidents. GEICO also allows bundling of policies, such as auto and home insurance, for added discounts.

The average annual cost of comprehensive motor insurance with GEICO is approximately $1,250. However, rates can vary significantly depending on your location, driving history, and vehicle model. Discounts for good drivers, military personnel, and federal employees help lower the premiums further.

State Farm

State Farm is another household name in motor insurance, offering comprehensive auto policies with a variety of optional add-ons like rental car reimbursement and roadside assistance. With an extensive network of agents, State Farm stands out for its personalized service and dependable claims process.

On average, State Farm’s comprehensive motor insurance costs around $1,300 annually. However, drivers with clean records and those who install anti-theft devices in their cars can benefit from notable discounts, which may lower premiums to under $1,000 per year in some states.

Farmers Insurance

Farmers Insurance offers a wide array of customization options for comprehensive auto insurance, including coverage for aftermarket equipment, original parts replacement, and guaranteed repairs from approved shops. Their agents provide personalized guidance that appeals to those who value direct human interaction.

Comprehensive motor insurance with Farmers typically costs about $1,450 per year. The company offers discounts for homeowners, good students, and bundled policyholders, which can significantly reduce the overall cost.

Progressive

Progressive is also well-known for its innovative tools like the Name Your Price tool and Snapshot program, which adjusts premiums based on actual driving behavior. Their comprehensive motor insurance includes coverage for non-collision events like flooding, hail, and animal damage.

The average cost of comprehensive insurance through Progressive is about $1,400 per year. Safe driving habits tracked through Snapshot can lead to savings of up to 30%, making it an attractive option for low-mileage or careful drivers.

SAA (for Military Families)

USAA is often ranked among the top comprehensive motor insurance providers for customer satisfaction, but it’s only available to military members, veterans, and their families. Their comprehensive insurance policies cover virtually all natural and man-made risks, with highly competitive pricing and personalized services.

The average cost of comprehensive motor insurance with USAA is approximately $1,100 per year—among the lowest in the industry. USAA customers also enjoy loyalty benefits, flexible payment plans, and high claims satisfaction scores.

Nationwide

Nationwide offers comprehensive insurance policies that include coverage for stolen or damaged vehicles due to non-collision incidents, along with optional features like vanishing deductibles and roadside assistance. The company is known for its transparency and educational resources to help policyholders make informed decisions.

The average annual premium for comprehensive motor insurance through Nationwide is around $1,350. Drivers can reduce their premiums with safe driver discounts, multi-policy bundles, and smart mileage tracking through their SmartRide program.

Well, from many comprehensive auto insurance companies above, which one you would choose to protect your vehicle?

Sources :
https://www.marketwatch.com/insurance-services/auto-insurance/best-car-insurance/
https://www.cnbc.com/select/largest-car-insurance-companies/