How many tires does insurance cover?

When you're considering how many tires insurance covers, you should be aware of what impact your specific type of insurance coverage will have. There are many instances when you may wonder how many tires does insurance cover, but with an average cost of $167 per tire, you can likely get help from your insurance company. The bad news is that when trying to figure out how many tires insurance covers, you may realize your deductible makes the insurance help not even worth it.

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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 5, 2022

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Things to Remember

  • Whether your tires are covered or not will depend on your insurance coverage
  • You’ll need to have the correct coverage, usually comprehensive or collision, for the situation
  • Filing a claim might not be worth the extra you pay in premiums

How many tires does insurance cover? How many tires and whether or not it’s covered will come down to your policy type and coverage limits.

The cause of the damaged tire may also impact what covers it, be it comprehensive or collision coverage. Due to the raised rates, even some cheap auto insurance claims close to your deductible won’t be worth filing.

If you’re curious about how many tires insurance does cover, enter your ZIP code into our free quote tool to see what you could pay today.

Does insurance cover tire replacement?

Whether or not your insurance company will cover your tire replacement will depend on the company and your insurance coverage. If you only have liability, you may find it harder to get the insurance company to cover any damaged tires.

Only some insurance coverages will replace your tires when they get damaged. Furthermore, your insurance company will cover only some types of tire damage under individual coverage.

Some of the companies that will cover your insurance replacement include:

  • Progressive
  • Allstate
  • GEICO
  • State Farm

These insurance companies will protect against various accidents, including when your tires are damaged. However, you’ll need to make sure that you have the appropriate kind of coverage to ensure that you won’t pay entirely out-of-pocket for repairs.

According to Consumer Reports, the median cost for a tire in 2020 is around $167 each. For a complete set, this comes out to about $668. So it makes sense you would want to get your insurer to help pay, so long as the cost isn’t too close to your deductible.

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Does insurance cover tires being slashed?

When you suddenly find out that your tires are slashed, you will likely be shocked and stressed about how to get them repaired. You’ll need a specific type of auto insurance to get coverage on your vehicle’s tires after they get slashed. If you don’t have comprehensive car insurance coverage, you’ll have to pay out of pocket for repairs.

What’s important is that you document the situation as soon as you realize it’s happened. When you know that your tires have been slashed, you should:

  • Call the police and file a report
  • Take photos of the tires and any other evidence
  • Contact your insurance company
  • Share your evidence and file a claim

How much your insurance coverage will pay is dependent on the individual policy. Once you meet your deductible, your insurance company could cover up to three tires under your insurance policy.

Does insurance cover two slashed tires?

Insurance will cover multiple slashed tires as long as you have comprehensive coverage to protect against vandalism. Once you pay your deductible, the insurance company will take over and help you get new replacement tires on your vehicle.

Make sure that you file a police report and document any evidence for your insurance company before calling. The more solid a description and report you can give the company, the easier it will be to pay out your claim.

If you have three slashed tires, will insurance cover it? Once your insurance company knows the situation, you’ll receive help replacing up to three tires on your vehicle.

What insurance coverage offers tire replacement?

As previously mentioned, you’ll need to make sure that you have the right insurance coverage for the situation. While your insurance might cover a slashed tire under comprehensive insurance, you wouldn’t get the same protection with collision insurance.

The main types of auto insurance quotes include:

  • Liability – Protects other people and property when you damage them with your vehicle
  • Comprehensive – This insurance coverage protects your car against weather damage, vandalism, and theft
  • Collision – When you get into an accident, this coverage will help pay for damages done to your vehicle

Depending on the circumstance that your tire gets damaged, you’ll need specific coverage with your insurer to get help paying for the repairs.

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Does insurance cover a nail in the tire?

Your insurance company may cover a nail in the tire, but it also depends on how it got there. It might fall under collision insurance coverage if it happened while driving on the road. If you were in a parking lot and you realized there is suddenly a nail in the tire that might fall under comprehensive car insurance coverage.

If you have a flat tire and are unsure what will cover it, call your insurance company and discuss it with an agent. If you can get the tires covered under your current policy, the insurance company will be happy to give you that information.

Will auto insurance cover a flat tire?

Many auto insurance companies will be willing to cover a flat tire, depending on how it happened and your insurance coverage. If the flat tire results from vandalism, then any comprehensive coverage should help you. However, if it happens while driving down the road, it may fall under collision insurance.

Should you file a claim for slashed tires?

When something happens to your vehicle, you will likely want to get repairs started as soon as possible. However, it would help to consider how it will impact your insurance before you immediately file a claim. Any claim you file with your insurance company will raise your rates, but sometimes you can’t help it.

However, if the price of the tire repair is close to your deductible, you should consider how a claim may be worth less than what you’re paying out-of-pocket.

For instance, let’s say that you have a comprehensive car insurance policy with a deductible of around $500. If you get a couple of tires slashed and the cost comes out to about $600, it might not be worth it. However, considering the insurance company will only pay for $100 worth of repairs, it’ll likely recoup that with your raised premiums shortly.

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How can you protect against tire damage?

Tires are one of the most essential parts of your vehicle, but the argument could be made that they are also one of the most fragile. Tire damage will stop your car in its tracks, literally. Until your vehicle’s tires are repaired, you won’t use your vehicle to go anywhere, which is a considerable inconvenience.

Some of the ways you can protect against tire damage are to:

  • Perform regular check-ups on your tires
  • Have your tires rotated regularly
  • Avoid hazards like debris and potholes
  • Don’t overload your tires

As long as you are careful and understand the limits of your vehicle, you can prevent a lot of tire damage. However, sometimes it’s just the wear and tear that gets to a car or just one wrong nail in the parking lot. Regardless, if you need help with repairs, you can contact your auto insurance company.

Insurance Coverage for Tires: The Bottom Line

Having something happen to your vehicle’s tires is a stressful experience that you’ll want to get fixed as soon as possible. Whether or not you’re covered may depend on how the tire got damaged in the first place. If the repair cost is close to your deductible, you may want to wait on filing a claim.

Now that you know how many tires insurance covers, enter your ZIP code into our free quote tool to see what you could pay for a policy today.

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