Does auto insurance cover the bumper?

Does auto insurance cover the bumper? Bumper damage is usually covered by collision coverage, even if you're at fault. The average cost of collision auto insurance is $24.98/mo nationwide. To buy car bumper damage insurance, compare car bumper damage quotes now. The best car bumper damage insurance rates are only a click away.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to remember...

  • You must have the right type of auto insurance coverage for car bumper damage to be covered
  • If you damage your bumper in an accident, fault allocation helps determine who pays for the repairs
  • If you have collision coverage under your policy, you’ll have coverage for your bumper after an at-fault accident
  • When you’re the victim of the accident, it’s the other party’s insurance company that pays for repairs
  • It’s common for insurers to pay for aftermarket parts to save money on the repairs

When you’re in a car accident, bumpers are one of the first things that get damaged. In fact, this reason is where the bumper got its name. Is a car bumper covered under insurance? Well, that depends on the type of auto insurance you have.

Mechanical repair costs can’t be avoided but accident-related expenses can be. Avoiding accidents is just one way to keep those costs down. Affordable car bumper damage insurance is available.

If you want to buy car bumper damage insurance now, compare car bumper damage quotes to find the best car insurance rates for you. Enter your ZIP into our free rate tool above to find coverage that includes your bumper.

When Your Auto Insurer Will Pay for Bumper Damage

Does car insurance cover bumper damage if you cause an accident? If you have the right kind of coverage, accidental damage is covered by auto insurance.

If you have collision and you’re involved in an accident, it’s likely that your insurer will pay to replace your bumper. Typically, you’ll file a bumper damage insurance claim against your own collision insurance when you’re the one who is found to be responsible for the accident.

According to NOLO, if you cause an accident, you are responsible for all damages, yours and others. As the at-fault driver, you must have physical damage coverage, or your damage isn’t covered.

Let’s look at the average annual auto insurance rates for different types of coverage. Low or liability-only coverage will not cover your bumper, but high or full coverage will.

Average Annual Auto Insurance Rates By Coverage Type
CompaniesAverage Annual Auto Insurance Rates for High CoverageAverage Annual Auto Insurance Rates for Low CoverageAverage Annual Auto Insurance Rates for Medium Coverage
American Family$3,416.40$3,368.49$3,544.37
Liberty Mutual$6,356.04$5,805.75$6,058.57
State Farm$3,454.80$3,055.40$3,269.80

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Full or high coverage averages $345 a month, only around $30 more than low coverage. Most experts agree that it’s worth the extra every month to make sure your car is covered from all damages, including bumper damage.


Is your bumper covered under your own auto policy?

Should I file an insurance claim for bumper damage?

Not everyone has an extra $1000 to pay for a new bumper when theirs is dented or mangled in an accident. It’s so important for you to understand what your policy covers and what it doesn’t.

A standard policy isn’t guaranteed to pay for your bumper replacement unless you have some optional forms of coverage added.

For your own auto policy to pay for your new bumper and its paint job, you will need to carry comprehensive car insurance and collision coverage. Bumper to bumper car insurance costs will be higher because your coverage is higher.

Each of these physical damage coverage types pays for repair bills and replacement parts but there are always restrictions and limitations. The limitations are all applied on a case-specific basis.

Watch this video to learn more about the different coverages that are available and what they cover.

Not everyone will need the same coverages. It is up to you and your insurer to determine what types of coverage is right for you.

What happens when the other party doesn’t have insurance?

There are a few unique scenarios where your own policy will wind up paying for your bumper even when you’re not the at-fault driver. If you have full coverage and an uninsured driver hits you, you can file a claim against your collision coverage.

The same applies when you’re in a hit-and-run accident and can’t identify the driver.

When you’re forced to file a claim against collision after a hit-and-run accident, you are still responsible for your deductible. If you’ve elected to carry an optional coverage called Uninsured Motorist Property Damage, you can waive your deductible.

UMPD also pays up to $3500 for repairs if you choose not to carry collision on an older car.

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The Bumper Protects Key Components Under the Hood

The average repair costs above may sound high but they could be even higher than that if you didn’t have a bumper at all.

While it may add to a car’s appearance, a bumper serves an important protective purpose when you get into a collision. Modern bumpers are made of rubber, fiberglass, and other materials that absorb kinetic energy.

The horizontal bar that’s fixed across the front of your vehicle is designed to absorb the impact of a crash so that the frame of the car and other mechanical components under the hood aren’t damaged.

In older models, cars have a chrome bumper that did nothing more than tear into other vehicles. Now, the Federal government has a mandate in place that says that all bumpers on modern vehicles must absorb the impact of a five-mile per hour crash.

How much does it cost to fix a bumper?

The cost of your bumper is dependent on the type of car that you own and the model year. It might cost significantly less to replace the bumper of an older model because the materials used to manufacture the bumper aren’t as advanced or expensive.

On average, it will cost between $400 and $1000 to replace just a bumper. Some of the different factors that will influence the cost include:

  • Year, make, and model of the vehicle
  • Material of the bumper
  • Cost of the car’s original paint job
  • Whether the bumper was made by an aftermarket parts manufacturer or the original manufacturer
  • Cost of headlights, the frame of the car, and other vehicle components can drive up the price

If your bumper repair costs are not too high and you can pay, it might work out in your favor to not file an insurance claim. This will help keep the cost of auto insurance down in the long run.


Are there repair cost limitations?

Anytime you file a claim for physical damage, you need to be sure that the repairs are going to exceed your deductible. If the deductible is higher than the estimated costs, there’s no point in filing a claim. Whatever you carry will be deducted from your claims check.

It would not make sense to file a damaged bumper insurance claim if your deductible was higher than the cost of the repairs.

Insurance companies always have to put limitations on how much they will pay for repairs or they would be out of business.

Under your policy, the insurer technically only has to pay up to your car’s fair market value.

If the cost exceeds that number, the car is totaled. It defeats the purpose of carrying full coverage on older cars.

What type of parts will your insurer pay for?

If you file an insurance claim, you have to review disclosures in your policy to see what kind of parts are going to be used. The best option is to used Original Equipment Manufacturer parts, especially since using a low-grade bumper could put you at risk.

If your insurer is trying to use aftermarket parts, do your research before accepting the claim.

Your insurance provider will cover your bumper if you have the right forms of protection. If you’re not to blame for the accident, the other driver’s insurance will pay for all of your repairs.

Make sure that you have the right level of protection before you secure a new policy. Get instant auto quotes online today and price the cost of full coverage to see if it’s worth it.

Start comparing quotes to make sure every part of your car is covered, including your bumpers. Enter your ZIP now to find the best bumper to bumper car insurance coverage.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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