Does auto insurance cover accidental damage?

While comprehensive car insurance will pay for accidental damage, not all policy types will. Read on to learn more about accidental damage car insurance protection.

UPDATED: May 11, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 11, 2022

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A Concise Overview

  • Not all types of car insurance will cover accidental damage protection for a vehicle
  • Comprehensive car insurance covers accidental damage due to inclement weather, vandalism, theft, and other similar instances
  • Collision car insurance covers damage that occurs as the result of a car accident

If you’ve spent much time searching for car insurance, you know not all car insurance is created equally. Some car insurance policies offer the basics for necessary coverage, while other policies allow customers to feel safe and protected in virtually every circumstance.

Does insurance cover accidental damage? There are two main car insurance coverage options that will offer assistance when it comes to accidental damage. First, comprehensive car insurance coverage is useful if your car is damaged by falling debris or vandalism. In contrast, collision coverage can help if your vehicle is damaged due to a car accident.

Does car insurance cover accidental damage?

While there is no such thing as accidental damage car insurance, your car insurance may help cover accidental damage claims. Still, it will depend on the type of car insurance coverage you have.

To drive legally, you must meet your state’s requirements in terms of minimum coverage. The table below shows each state’s minimum insurance requirements.

Minimum Liability Auto Insurance Requirements by State
StateInsurance required Minimum liability limits
ALBI & PD Liab25/50/25
AKBI & PD Liab50/100/25
AZBI & PD Liab15/30/10
ARBI & PD Liab, PIP25/50/25
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DEBI & PD Liab, PIP25/50/10
DCBI & PD Liab, UM25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
IABI & PD Liab20/40/15
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MDBI & PD Liab, PIP, UM, UIM30/60/15
MABI & PD Liab, PIP20/40/5
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MSBI & PD Liab25/50/25
MOBI & PD Liab, UM25/50/25
MTBI & PD Liab25/50/20
NEBI & PD Liab, UM, UIM25/50/25
NVBI & PD Liab25/50/20
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NYBI & PD Liab, PIP, UM, UIM25/50/10
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VTBI & PD Liab, UM, UIM25/50/10
VABI & PD Liab, UM, UIM25/50/20
WABI & PD Liab25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WIBI & PD Liab, UM, Medpay25/50/10
WYBI & PD Liab25/50/20
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Once you know your state’s minimum requirements for car insurance coverage, you can purchase a policy that meets the requirement to drive legally. 

But if you want to ensure that you have accidental coverage with your car insurance, you will need to purchase a more substantial auto insurance policy.

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What types of auto insurance cover accidental damage?

Two main types of car insurance cover accidental damage to your vehicle: comprehensive and collision coverage.

Comprehensive coverage is a type of car insurance that will cover repairs to your vehicle in an incident other than a collision. Examples of comprehensive coverage claims include if someone slashes your tires or if a branch falls from a tree and lands on the hood of your car.

Does car insurance cover accidental interior damage? Depending on the nature of the incident, comprehensive car insurance may cover accidental interior damage and exterior damage to the vehicle.

Collision coverage will cover repairs to your car if you are in a car accident. While liability coverage only helps pay for damage caused to another person’s vehicle, collision coverage can help cover your car even if you are at fault in the accident. 

Can I buy comprehensive and collision coverage together to cover accidental damage?

If you are trying to find the best car insurance for accidental damage, you may want to consider purchasing both types of coverage under your car insurance policy. Many people purchase comprehensive and collision insurance together, and this type of policy is often referred to as full coverage car insurance.

You can expect your car insurance rates to increase when you add both comprehensive and collision coverage. However, you will be covered in virtually every scenario.

How much is a full coverage auto insurance policy?

You will never know how much you will pay for a full coverage car insurance policy until you start to shop around. If you have a liability-only policy and want to purchase full coverage, you will pay significantly more in monthly rates.

The table below shows the average annual rates for full coverage car insurance in each state.

StateAverage Annual Full Coverage Rates
District of Columbia$1,330.73
New Hampshire$818.75
New Jersey$1,382.79
New Mexico$937.59
New York$1,360.66
North Carolina$789.09
North Dakota$773.30
Rhode Island$1,303.50
South Carolina$973.10
South Dakota$766.91
West Virginia$1,025.78
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Full coverage car insurance does cover accidental damage in many cases, but the cost of full coverage can be daunting. If the price for full coverage in your state seems expensive, there may be a few things you can do to lower your monthly premium.

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Can I get cheap auto insurance for accidental damage?

Full coverage car insurance policies are generally not cheap, but you can avoid paying too much for car insurance coverage in your state.

The best thing you can do to lower your monthly rates is to shop around for coverage with multiple companies. When you find and compare car insurance quotes from multiple companies online, you will see which companies offer the coverage you want at a reasonable price.

If you find that a few companies offer similar monthly rates, you can call the companies individually to ask about car insurance discounts. Speak with a representative from the company and ask about discounts that might work for you. If you find that you are eligible for a specific discount, ask how much it would impact your monthly payment. 

You can also consider choosing a higher deductible to lower your monthly rates. Choosing a higher deductible on your car insurance policy will force you to pay more money out of pocket if you are ever in an accident or need to file a claim, but it could save you a good bit of money every month. 

Accidental Damage Car Insurance: The Bottom Line

To make sure your coverage extends to accidental damage to your vehicle, you will want to consider adding both comprehensive coverage and collision coverage to your auto insurance policy.

You may be able to find lower-than-average full coverage rates by comparing quotes, asking about discounts, and choosing a higher deductible on your policy. When you shop for car insurance, take your time and compare rates from several companies in your area to get a good idea of how much you should pay for coverage.

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