Skip to main content
Ratehub logo
Ratehub logo

Compare comprehensive car insurance quotes

Get personalized comprehensive car insurance quotes from Canada's top providers, in as little as five minutes.

How to compare car insurance quotes with Ratehub.ca

  1. Share information

    Tell us a little about yourself and your auto coverage needs.

  2. Compare quotes

    We instantly show you auto insurance quotes from top Canadian providers.

  3. Save money

    Choose your quote and secure your car insurance rate online.

A few things we're proud of

  • 1,200,000

    monthly users

  • 11 years

    young

  • Over 1M

    better choices made

  • Trusted partner

    to Canada’s top financial institutions

What is comprehensive car insurance?

Comprehensive car insurance protects your vehicle from risks unrelated to a collision such as theft, fire, or vandalism. It is an optional form of coverage that exists to protect your vehicle when you are not operating it.

For example, if your car was stolen, vandalized, then later found and returned to you, you could make a comprehensive insurance claim with your insurance provider to cover the cost of any repairs.

What does comprehensive insurance cover?

Taking from the example above, comprehensive car insurance covers:

  • Theft and vandalism
  • Weather (e.g. lightning, windstorm, hail, etc.)
  • Fire, earthquake, explosion
  • Falling or flying objects (e.g. rock or gravel)

Comprehensive insurance not only covers the cost of repairs, but can give you a cash settlement if your car is a total write-off. You can insure your car for the actual cash value or the replacement cost of the vehicle. Cash value payouts will account for depreciation, so it's the cheaper comprehensive insurance option.

What doesn't comprehensive insurance cover?

Comprehensive insurance will not cover you for:

  • Damage to your car from a collision with another vehicle or object on the road
  • Medical expenses or lost income for you or your passengers after an accident
  • Damage to another person’s car from a collision
  • Medical expenses, lost income or legal fees for another person after an accident

Most of these are covered by other mandated minimums on your car insurance policy including accident benefits and third-party liability. If you want insurance to pay for repairs to your car following a collision, you need to add on collision insurance to your policy.

Ready to get a comprehensive car insurance quote?

In under 5 minutes, you can compare personalized comprehenisve car insurance quotes from Canada's top insurers, for free.

How to buy comprehensive auto insurance

When you’re ready to buy, renew, or modify a car insurance policy, you can do so in-person or over the phone.  You can communicate your desires and wishes at a bank/credit union, directly with your insurance company, or with an insurance broker - essentially from whomever you've purchased car insurance from. If you haven’t already done so, we always suggest you start by comparing car insurance quotes online to make sure you're getting the best price for car insurance. 

Is comprehensive insurance worth it?

If you’re on the fence about buying comprehensive insurance, ask yourself two questions:

  1. What is the value of your car?
  2. Could you afford to fix or replace your car if something happened to it?

If your car is older and not worth much (i.e. under $2,000), you may find it’s not worth having a comprehensive insurance policy in place, and decide you’d rather replace it with something newer and safer if it was damaged.

In the event that something happens to your car, it's possible you don't use comprehensive insurance if the damage is less than your deductible. So, it really depends on how much you think your vehicle is worth, and if you have the money to cover any damages yourself. You may also  want the peace of mind of knowing your vehicle has coverage against risks while it's parked. 

How comprehensive car insurance works for claims

Comprehensive insurance claims require you to pay a deductible. The deductibles are typically available at $300, $500 and $1,000. Remember, the higher the deductible you choose, the lower your car insurance premiums will cost. For one, you’re telling your insurance company that you’d be happy to pay more if something actually happened to your car. It also means you won't be filing any small claims. 

For example, let’s say there was a bad storm and a large tree branch fell on your car while it was parked in your driveway. The total damage done to your vehicle added up to $3,000. If you had a $500 deductible listed in your policy, your insurance company would cover the remaining $2,500 in getting your car repaired as soon as possible.

(Alternatively, if your car was only worth $3,000, you could pay the deductible and get a cash settlement for the rest, to help you buy your next car.)

Frequently asked comprehensive insurance questions

Is comprehensive insurance required?


How much does comprehensive car insurance cost?


Does comprehensive auto insurance cover rodent damage?


Does comprehensive insurance cover hail damage?


Can you have comprehensive insurance without collision?


Matt Hands, Business Director of Insurance

With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

Find more great content on our blog

read more on our blog

The knowledge bank

A wealth of knowledge delivered right to your inbox.

By submitting your email address, you acknowledge and agree to Ratehub.ca’s Terms of Use and Privacy Policy. Contact us for more information. You can unsubscribe at any time.

About Ratehub.ca

Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

When it comes to mortgages, Ratehub.ca is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place.

Ratehub.ca has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.

How does Ratehub.ca make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.

read more about us