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What Is Collision Coverage?

Collision coverage pays to repair or replace your vehicle when you hit another car, object, or roll over — regardless of who's at fault.

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What Is Collision Coverage Insurance?

Collision coverage pays to repair or replace your vehicle when it collides with another car or object, or when your vehicle rolls over. It applies regardless of fault — whether you caused the accident or the other driver did. Your insurer pays the actual cash value of your vehicle minus your deductible, up to the policy limit. This coverage activates after a crash with another vehicle, hitting a guardrail, tree, fence, mailbox, or building, or if your car flips over.

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Who Needs Collision Coverage Insurance?

You need collision coverage if you're financing or leasing your vehicle — your lender requires it to protect their investment.

Calculate your car's actual cash value using Kelley Blue Book or NADA, then compare it to your annual collision premium plus deductible.

How Much Does Collision Coverage Insurance Cost?

  • Location — urban areas with higher accident frequency and repair costs can double collision premiums compared to rural counties.

Frequently Asked Questions

Does collision cover hitting a deer?

No, hitting a deer or any other animal is covered by comprehensive coverage, not collision. Collision applies when you hit another vehicle or a stationary object like a tree, guardrail, or building. However, if you swerve to avoid a deer and then hit a tree or guardrail, that damage is covered by collision because you struck an object.

Will collision cover my car if the other driver has no insurance?

Yes, collision covers your vehicle damage regardless of the other driver's insurance status or fault. If an uninsured driver totals your car, your collision coverage pays the actual cash value minus your deductible immediately, and your insurer may pursue the at-fault driver for reimbursement. Without collision, you'd have to sue the uninsured driver yourself and likely collect nothing.

Related Coverage Types

Driver's-eye view at night showing two hands gripping a steering wheel with an illuminated instrument cluster behind it and blurred street lights and vehicles through the windshield.Uninsured Motorist Coverage→A person's hand holds a key and black key fob above a wooden counter where a pen rests on printed documents attached to a clipboard, with a blurred kitchen in the background.Comprehensive Coverage→A bearded man in a dark denim shirt sits at a wooden desk using a laptop, with a black mug, papers and a notebook with a pen nearby, a lamp and shelves behind him, and a window showing a sunset.Liability Insurance→Driver's-eye view from inside a car at night, with two hands gripping the steering wheel, a lit instrument cluster behind it, and blurred traffic and street lights on a wet road through the windshield.Minimum Coverage→
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