Comprehensive insurance covers damage to your car from everything except collisions — theft, hail, flooding, fallen trees, animal strikes, vandalism, and fire. In Utah, comprehensive typically costs $15-$40/month and is especially important given the state's exposure to approximately 6% of utah drivers are uninsured..
(888) 217-6781Comprehensive is sometimes called "other than collision" coverage. It protects your car from events outside your control. In Utah, where 6% 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 |
|---|---|---|
| USAA ⭐ | $612 | $102/mo |
| GEICO | $696 | $116/mo |
| Bear River Mutual | $738 | $123/mo |
| Progressive | $786 | $131/mo |
| State Farm | $858 | $143/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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