Does auto insurance cover transmission repair?

Will car insurance pay for transmission repair? Transmission repair, which can cost between $1,800 and $3,400, is not typically covered by insurance unless it was caused by an accident. If you are ready to buy transmission repair car insurance, our guide goes over the ins and outs of transmission insurance coverage and transmission repair quotes.

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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 17, 2021

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Things to remember...

  • Normal wear and tear is not typically covered by insurance.
  • Depending on fault and the type of coverage you have, insurance might cover transmission repairs from an accident.
  • Mechanical breakdown coverage is good to have once your manufacturer’s warranty has expired.

Is there such a thing as transmission repair auto insurance? Regardless of the vehicle, the transmission is an important component. So, does auto insurance cover transmission repair?

If there is damage, it’s best to file a claim with your auto insurance company, but insurance will only cover certain repairs, so the important factor is how the transmission became damaged.

Simply driving your car will cause wear and tear, so you’ll want auto insurance for maintenance. Transmission insurance coverage will usually only apply if your transmission was damaged as the result of an accident. 

If you experience transmission problems, you need to have your car repaired as soon as possible. Insurance is not going to cover repairs that arise from normal wear and tear. Take care of your car and follow the recommended maintenance schedule.

If you’re wondering, “Will insurance cover transmission repair?” keep reading our guide to find affordable transmission repair car insurance.

Enter your ZIP code into our FREE quote tool to compare transmission repair car insurance quotes and see how much you could save.

Were you involved in an accident?

Can a car accident cause transmission damage? Well, depending on the situation, an accident can certainly cause damage to your transmission. You may be able to receive transmission coverage if the damage was caused by an accident. 

Getting involved in an accident can cause a lot of mechanical damage. If you want auto insurance to cover the repairs, you have to look at various details of the accident and the coverage that you have on your policy.

Consider who was at fault for the accident. If the other person was at fault and you live in a tort state, then it is generally that individual’s insurance policy that will pay for the transmission repair cost.

The only time this wouldn’t be the case is if you live in a no-fault state where everyone’s insurance pays for their own damages.

If you’re the one at fault for the accident, you’ll need collision coverage for your policy to potentially cover your transmission repairs.

What the state requires is not going to be enough to take care of the damages to your car if you’re at fault.

In some instances, the damage to your transmission is no one’s fault. You could have hit a deer on the road or had your transmission ruined by a flood.

When there are acts of God or “non-collision” related incidents, comprehensive coverage may take care of the necessary repairs to your transmission.

Most major insurance companies, including Geico and Progressive, offer comprehensive and collision insurance options. A chart featuring the average comprehensive insurance rates by state can be seen below.

District of Columbia$233.24$233.65$230.19$227.97$226.22$230.25
New Hampshire$110.77$106.62$102.02$99.24$96.52$103.03
New Jersey$131.35$126.26$122.54$117.64$118.10$123.18
New Mexico$172.57$167.70$162.39$163.02$168.75$166.89
New York$171.12$165.07$155.65$147.33$144.13$156.66
North Carolina$136.08$130.37$121.66$115.06$111.83$123.00
North Dakota$231.04$233.06$229.05$225.42$219.63$227.64
Rhode Island$132.19$125.17$118.86$116.41$118.21$122.17
South Carolina$180.94$175.19$165.41$156.22$149.16$165.38
South Dakota$258.11$242.27$227.31$214.07$201.21$228.59
West Virginia$204.28$200.10$195.28$189.20$186.32$195.04
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As you can see, rates can range from around $100 to $200, depending on where you live. To compare rates, use our comparison box below.

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Do you have mechanical breakdown coverage?

Mechanical breakdown coverage is a form of car repair insurance coverage that is often available from auto insurance companies.

If a breakdown occurs after the manufacturer’s warranty on your car has expired, you may need to turn to mechanical breakdown coverage.

Some dealerships and third parties offer this coverage, but it’s often more affordable to get from your insurance company in conjunction with all of the other coverage.

In the end, insurance will cover a transmission repair in many instances, as long as it’s not as a result of normal wear and tear. For help finding a shop, do a quick search for “transmission shops near me” or “transmission repair near me.”

It’s best to have more than what the state requires for coverage. Compare transmission repair car insurance rates from multiple companies to find the best rates on coverage. Ready to buy transmission repair car insurance? Enter your ZIP code below to get started.

Frequently Asked Questions: Does Auto Insurance Cover Transmission Repair

Does my car insurance cover transmission repair? Hopefully, you now know the answer to this, but if you have any other questions, check out some commonly asked ones below.

1 – Does insurance cover transmission problems?

Does insurance cover transmission failure? Or other types of transmission problems? As mentioned above, transmission problems will usually only be covered if the damages were caused by an accident.

2 – Does car insurance cover breakdown repairs?

This all depends on the circumstances surrounding the breakdown. If you were in an accident with another car, or some other unforeseen incident caused damage to your transmission, then the repairs may be covered by comprehensive or collision insurance.

If you’re wondering, “Does car insurance cover mechanical problems?” then it’s best to discuss the problems with your insurance agent.

3 – Does gap insurance cover transmission failure?

In most cases, gap insurance won’t cover transmission damage.

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