Does car insurance cover battery replacement?

Does car insurance cover battery replacement? Auto insurance isn’t car battery insurance. A typical car battery costs between $50 and $120, well under any deductible you'd pay on an auto insurance claim. When it comes to car battery replacement, you are better off paying for a new one out of pocket rather than causing your car insurance rates to rise. Use our FREE quote tool to find the best car insurance company now.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 14, 2020

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Things to remember...

  • Routine maintenance is not covered by car insurance
  • There are only a few scenarios in which insurance will cover battery replacement
  • Batteries are often affordable to replace and therefore not worth the cost of paying the deductible

Does car insurance cover battery replacement? Isvcar battery replacement covered by insurance? Sadly, there is not such a thing as car battery insurance. If you want your vehicle battery covered by insurance, affordable car insurance with battery replacement does exist, however.

When you have auto insurance, you expect it to cover everything. Unfortunately, some issues will not be covered by insurance. You have to look at the full extent of your type of auto insurance coverage and understand what it all means.

If you have a problem with your battery and need it replaced, it’s important to know whether you can file a claim with the insurance company or not.

Although you can’t get battery replacement car insurance, you can still shop around for the best deal on auto insurance. Compare car insurance quotes to see how much you could save on coverage.

Replacing a Dead Battery

The cost of a battery varies based upon the make and model of your car. Batteries will go dead over time.

While it’s possible to give them a “jump” with voltage from another car or from a jump starter, it is only a temporary solution.

When you think your battery is about to die, quotes from auto stores will help you find the best deal.

How long do car batteries last? Many batteries will only last between three and five years. In hot conditions, they are likely to last even less time.

Kelly Blue Book recommends having your battery tested every two years in an effort to predict how long your battery will last.

Unlike brakes and other car parts, they often give no notice that they are going to die. You could go to start your car and find that your battery has died.

The cost of a car battery will vary based on size and brand. On average, they are between $50 and $300.

The cost falls under routine maintenance for a vehicle. Car battery replacement isn’t something that insurance companies would pay for in most instances.

This means that it’s in your best interest to simply focus on replacing the battery without filing a claim. It will allow you to get your car repaired and back on the road.

In some instances, your collision or comprehensive coverage would cover replacing your battery. Let’s look at the cost difference between low, medium, and high coverage.

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
USAA$2,667.92$2,404.11$2,539.87
American Family$3,416.40$3,368.49$3,544.37
GEICO$3,429.14$3,001.91$3,213.97
State Farm$3,454.80$3,055.40$3,269.80
Nationwide$3,505.37$3,394.83$3,449.80
Progressive$4,350.96$3,737.13$4,018.46
Farmers$4,494.13$3,922.47$4,166.22
Travelers$4,619.07$4,223.63$4,462.02
Allstate$5,139.02$4,628.03$4,896.81
Liberty Mutual$6,356.04$5,805.75$6,058.57
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The price difference in your rate may be worth the added coverages.

Many insurance companies offer mobile car battery replacement as part of roadside assistance. Although you would still have to pay for the battery, this would help if you were stranded on the side of the road.

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Replacing a Battery Damaged in an Accident

When you are involved in a car accident, you should file a car insurance claim. During the claims process, an adjuster will look at your car. This examination generally involves visiting the body shop.

Someone will take a look at the full extent of the damage. They will then calculate what needs to be repaired or replaced and establish a total cost of replacement.

Depending upon the accident, your car battery might be part of the damages. The car insurance company would pay to replace the battery, along with everything else that has been identified as being part of the accident.

Repairs and replacements are done to your car once you pay your auto insurance deductible. Depending upon your policy, this deductible could be $500 or higher. Higher deductibles will generally result in lower premiums.

If you look at the cost of the repairs from the body shop versus the deductible, it will be easy to determine if it’s worth paying the deductible.

If the repairs and replacements only add up to $400 and you have a $1,000 deductible, it’s easier to pay for the repairs and replacements out of your own money.

The insurance company wouldn’t have to get involved because it’s not worth the cost of the deductible. Is car battery theft covered by insurance?

If you have comprehensive coverage, theft would be covered. However, the same issue with the deductible is true. It might be cheaper to replace the battery than pay the deductible.

Watch this video to learn more about what car insurance covers.

It might surprise you to learn that some things are not covered by car insurance. Items damaged by wear and tear, like a car battery, are typically not covered by insurance.

Exploring the Level of Auto Insurance Coverage

You want insurance to cover as many expenses as possible. While there is no coverage that will take care of the day-to-day expenses, such as oil changes and battery replacements, there is coverage that will take care of everything else.

Often, it’s better to go above and beyond state minimums for insurance coverage so you can file a claim for car accidents, collisions, hit and runs, hail damage, and much more.

The cost of car ownership is something you need to calculate. You might have car payments, the cost of gas, as well as car insurance premiums.

You should also factor in the cost of other things, including:

  • Oil changes
  • Battery replacement
  • Tire replacement
  • Transmission flushes

There are many great options to choose from, including Farmers Insurance car battery replacement, AA insurance car battery replacement, and Progressive car insurance battery replacement. Those with RACQ Roadside Assistance can rest easy knwoing RACQ insurance car battery replacement includes delivery and installation.

It’s impossible to know when you will need a tire or battery replacement. Other things, such as oil changes and transmission flushes will be a part of your car’s maintenance schedule.

To maintain your car the best possible way, it might be advantageous for you to seek car insurance as well as an extended car warranty.

This warranty will help you to keep your car running in the best possible condition while having financial protection through the year.

By creating a comprehensive budget, you are able to be a more responsible car owner. You will be able to deal with the various expenses as they come up.

Additionally, if insurance doesn’t cover something, you will still have the money in your budget to take care of everything sufficiently.

Battery replacements are costly, but they are often less than a deductible. Further, car insurance won’t cover a battery in most instances.

Only if the battery was damaged in an accident will the carrier take care of the costs. You have to know how best to protect your car and ensure you don’t waste time filing claims for things that are not covered.

For the best deal, shop around for auto insurance, even if you can’t get car battery coverage. Compare car insurance options to get the best auto insurance rates for you right here by using our FREE comparison tool.

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