Collision Auto Insurance in 2025

Navigating collision auto insurance doesn’t have to be complicated. This specialized coverage pays for repairs to your vehicle after accidents with other cars or objects, regardless of fault.

This guide breaks down the collision insurance definition and details the car insurance discounts you can’t miss. You’ll discover which vehicles benefit most from collision protection and when to consider dropping coverage.

Learn to balance deductibles, evaluate coverage limits, and determine if collision insurance makes financial sense for you. Don’t overpay for auto insurance. Enter your ZIP code to find out if you can get a better deal.

Collision Auto Insurance Explained

What is collision auto insurance? Collision car insurance covers damage to your vehicle caused by an accident, regardless of fault. It pays for repairs or replacement if you hit another car or object. If you totaled your car with no collision insurance, you’d have to cover the costs yourself.

If you’re looking for more than collision coverage, comprehensive insurance protects against theft, vandalism, and when animals or natural disasters damage your vehicle.

Comprehensive vs. collision insurance is often combined with minimum liability into full coverage car insurance. This coverage is useful for newer vehicles but may not be cost-effective for older cars. Knowing when to drop collision insurance depends on your car’s value — if repair costs exceed its worth, it might not be necessary.

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Collision Auto Insurance Rates

When considering collision auto insurance pros and cons, this coverage exclusively protects against vehicle-to-vehicle accidents and single-vehicle crashes, regardless of fault. Collision’s primary advantage is protecting your investment after accidents, and it complements comprehensive and liability insurance to provide full coverage.

Insurance Company	Collision Policy	Comprehensive Policy	Full Coverage
	$160	$60	$220
	$155	$55	$210
	$150	$52	$202
	$165	$62	$227
	$148	$57	$205
	$140	$50	$190
	$160	$59	$219
	$130	$48	$178
	$135	$50	$185
	$120	$45	$165

Collision rates vary significantly when comparing auto insurance companies. While USAA offers the best value at $120 monthly, it’s only available to military families. State Farm and Travelers are the next affordable options for collision and full coverage.

Before choosing based solely on the collision auto insurance meaning and costs, remember to evaluate comprehensive options as well. It will raise your rates, but comprehensive auto insurance protects against non-collision incidents that collision insurance doesn’t cover.

How to Lower Collision Auto Insurance Rates

Always request personalized quotes that factor in your specific eligibility for discounts. A full coverage policy with collision insurance can become more affordable if you are a safe driver or insure multiple vehicles.

Insurance Company	Multi-Vehicle	Safe Driver	Good Student	UBI
	25%	18%	20%	30%
	25%	8%	30%	30%
	20%	20%	15%	30%
	25%	15%	15%	25%
	25%	20%	15%	30%
	20%	12%	15%	40%
	12%	10%	10%	$231/yr
	20%	20%	25%	30%
	8%	17%	8%	30%
	10%	30%	10%	30%

For example, while Progressive collision coverage limits may seem expensive at $160 monthly, the potential 40% usage-based (UBI) discount could reduce costs dramatically compared to companies with lower base rates but smaller discounts.

If you don’t qualify for many discounts, raising your collision insurance deductible is one of the best tips to pay less for car insurance. Just be sure you can afford any out-of-pocket costs in case you have to file a collision claim after an accident.

Who Should Have Collision Auto Insurance

Collision auto insurance is recommended for financed and leased vehicles, where lenders require protection for their investments. New and luxury car owners benefit most, as do high-risk drivers like teens who are more likely to get into accidents due to inexperience.

DYK teens are 3x more likely than drivers over 20 to be in a fatal collision? http://t.co/2s1feLFr23 . #SummerSafety pic.twitter.com/LhjPadppux

— USAA (@USAA) July 9, 2015

Should I have collision insurance on a 10-year-old car? If your vehicle’s value exceeds your deductible, dropping coverage can help lower car insurance rates.

While dropping collision insurance can lower premiums, consider whether you can afford repairs out of pocket. For budget-conscious drivers, comparing providers can help find the cheapest car insurance with the right balance of coverage.

While USAA provides exceptional value at just $120 monthly, you might find cheaper collision car insurance elsewhere. Enter your ZIP code to start comparing collision insurance quotes from local companies for free.