What is auto collision insurance?

Auto collision insurance is a type of coverage that helps cover the cost to repair or replace your vehicle if it's damaged or destroyed by a collision, minus your deductible. Auto collision coverage applies to a collision with another vehicle or structures such as fences, trees, and mailboxes. It may also cover damage caused by your vehicle rolling over, even if a collision wasn't involved.

5 to readUpdated August 15, 2023

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Is auto collision coverage required?

Car insurance collision coverage isn't legally required in any state, but your finance company may require it to protect their investment if your car is leased or financed. If you've paid off your vehicle and own it outright, you're never required to carry collision coverage on your auto insurance policy.

Collisions with an object or single-vehicle collisions

If you hit an object, whether it's a tree or a telephone pole, your collision coverage can pay to repair the damage to your vehicle.

Pro tip:

80% of Progressive auto customers countrywide add collision coverage to their auto policy, and coverage through Progressive costs just $45 per month on average.^*