Comprehensive insurance covers damage to your car from everything except collisions — theft, hail, flooding, fallen trees, animal strikes, vandalism, and fire. In Rhode Island, comprehensive typically costs $15-$40/month and is especially important given the state's exposure to approximately 9% of rhode island drivers are uninsured..
(888) 217-6781Comprehensive is sometimes called "other than collision" coverage. It protects your car from events outside your control. In Rhode Island, where 9% of drivers are uninsured and weather-related claims are common, comprehensive coverage is strongly recommended even if not required by law.
| Scenario | Comprehensive | Collision |
|---|---|---|
| Tree falls on your car | ✅ Covered | ❌ Not covered |
| Hailstorm damages paint | ✅ Covered | ❌ Not covered |
| You hit a deer | ✅ Covered | ❌ Not covered |
| Car is stolen | ✅ Covered | ❌ Not covered |
| You rear-end someone | ❌ Not covered | ✅ Covered |
| You hit a guardrail | ❌ Not covered | ✅ Covered |
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $846 | $141/mo |
| Progressive | $954 | $159/mo |
| Amica Mutual | $1,020 | $170/mo |
| State Farm | $1,044 | $174/mo |
| Allstate | $1,272 | $212/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
Compare 5+ carriers. Free, no-obligation quote from a licensed agent.
(888) 217-6781Rates vary by city. Find rates for your area:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Free quote · No obligation · Licensed agents · Under 2 minutes