Does auto insurance cover transmission repair?

Auto insurance does cover transmission repair if you have the right kinds of coverage. A transmission may be covered under collision, comprehensive, or mechanical breakdown insurance, depending on the circumstances. Learn how to make sure you're covered.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

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 Daniel Walker

UPDATED: Jun 10, 2022

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Things to remember...

  • If your transmission needs repairs after an accident, your auto insurance should assist with the costs
  • Liability insurance will not cover repairs if you are at fault in an accident, but your collision insurance might
  • When the transmission breaks because of normal use, mechanical breakdown insurance is the only type of coverage that assists with repairs

Your transmission controls how quickly the energy from your car’s engine reaches your wheels and driveshaft. Whether you’re driving six or 60 miles per hour, this part ensures that your car moves forward steadily and smoothly. As a result, keeping it in good condition is essential for driving safely.

If your transmission is out of commission, you may be wondering, “Does insurance cover a transmission?” Auto insurance policies vary from company to company, but there are a few common features. In this article, you’ll learn the basics of transmission coverage, which types of insurance assist with transmission repairs, and additional issues to discuss with your insurance company.

When does auto insurance cover transmission repair?

If you get in an accident and your transmission needs repair, your auto insurance policy will likely cover the damages. Collision coverage applies whenever your vehicle collides with another car or an object such as a building or fence. Regardless of fault, you can use collision insurance to repair your transmission and other damaged parts.

Your transmission could also break when you’re not driving the car, which means that collision coverage doesn’t apply. A comprehensive insurance policy would assist with transmission repairs in the following circumstances:

  •   Natural disasters. A flood, hurricane, or tornado could send debris into your car’s mechanical parts.
  •   Vandalism. Someone could intentionally damage your car.
  •   Theft. Someone could break your transmission while attempting to steal your car or one of its components.
  •   Fires. Your garage could catch on fire, and the flames or smoke damage could spread to your vehicle.

Every insurance company handles comprehensive coverage differently, so it’s worth checking if your policy includes transmissions before filing a comprehensive claim.

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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When does auto insurance not cover transmission repair?

Although you can often use auto insurance to pay for transmission repairs, there are some cases when it doesn’t apply. If you didn’t cause an accident, the other party’s liability insurance covers your transmission. If they don’t have insurance, your uninsured motorist coverage should step in.

Standard auto insurance also does not cover a transmission that breaks down because of regular use. Depending on the manufacturer and how well you maintain your car, your transmission will likely last 100,000 to 300,000 miles. After that, you’ll have to pay for a new transmission out-of-pocket. Under a normal policy, any maintenance issues that come up in the meantime are your responsibility.

How can you get your insurance to cover a transmission?

If you’re looking for ways to get help repairing your transmission, you can take out a mechanical breakdown insurance policy. This type of insurance assists with repairs resulting from everyday wear and tear. Most insurance companies recommend investing in a policy after your transmission’s warranty expires.

Once you have mechanical breakdown insurance, you can file a claim to have your transmission repaired when the brake bands, turbines, or impellers break. Keep in mind that the more claims you file, the more likely your insurance company is to raise your rates. Take the cost of your deductible plus your monthly rates into account before filing a mechanical breakdown insurance claim.

Can you use GAP insurance to cover a transmission?

Contrary to common belief, GAP insurance does not simply cover issues that aren’t part of other car insurance policies. Instead, this type of insurance helps if your car gets totaled or severely damaged. Once your insurance company has paid its portion of repairs, GAP insurance covers the rest of what you still owe on your loan.

If only your transmission is broken, your car is probably not damaged enough to warrant a claim on your GAP insurance coverage. On the other hand, if your transmission is just one of many broken parts, your GAP insurance policy may be helpful. You can use a totaled car value calculator to see whether GAP insurance is worth it.

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Does a warranty take the place of insurance for transmission repairs?

Warranties work similarly to insurance policies in that they help cover some of the financial responsibility for different car parts. However, your transmission’s manufacturer provides a warranty, not a private insurance company. You may pay a one-time fee to get a warranty on your transmission, but you shouldn’t pay monthly rates as you do for insurance.

Your warranty covers normal breakages within a particular time frame. For example, if your warranty lasts a year and your brake band snaps after six months, your warranty should pay for repairs or a replacement. Most warranties don’t cover damages that occur during an accident or natural disaster, which is why having collision and comprehensive insurance is so important. Furthermore, warranties generally expire after a few months to a year, so you need mechanical breakdown insurance if you don’t want to handle transmission costs on your own.

What You Need to Know About Auto Insurance and Transmission Repair

If you caused an accident and your transmission needs repair, you can expect your auto insurance to cover the bill. If a natural disaster or another incident damages your transmission when you aren’t driving, comprehensive insurance can help. Generally, your liability or comprehensive insurance policies won’t cover transmission repairs that happen because of everyday use.

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