Collision vs Comprehensive Car Insurance: Which Do You Need?

Here's what you need to know about collision vs. comprehensive car insurance.

A man calls his car insurance provider near his broken-down car.
(Image credit: Getty Images)

Collision vs comprehensive car insurance: which do you need? While collision and comprehensive car insurance are optional in every state, they’re required by lenders if you are financing or leasing your vehicle. Despite these types of coverage not being mandatory if you own your vehicle, adding either type to your insurance policy can be beneficial in certain scenarios. 

Here’s what you need to know about collision vs comprehensive car insurance and whether or not you need it.  

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Erin Bendig
Personal Finance Writer

Erin pairs personal experience with research and is passionate about sharing personal finance advice with others. Previously, she was a freelancer focusing on the credit card side of finance, but has branched out since then to cover other aspects of personal finance. Erin is well-versed in traditional media with reporting, interviewing and research, as well as using graphic design and video and audio storytelling to share with her readers.