Clutch Insurance: Is a clutch covered under auto insurance?

Auto insurance for clutch repair is only available if the damage is the result of an accident. A clutch repair costs $1,200 to $1,400, and car insurance covers your clutch for a covered claim, but not for wear and tear or maintenance issues. Clutch insurance may be included on your car warranty.

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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: Jul 26, 2020

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Things to remember...

  • Damage to a clutch is generally because of wear and tear.
  • Accidents that cause damage to a clutch might be covered by insurance.
  • You need to have sufficient coverage on a policy for clutch insurance to take care of repairs.

A clutch repair costs $1,200 to $1,400. Although it’s an expensive repair, auto insurance companies will cover the cost if your clutch is damaged because of an accident. The easy solution is to file a claim and have your auto insurance pay for the clutch repair.

Continue reading to learn how you save money on auto insurance for clutch repairs and learn when car insurance for clutch repairs is available.

You might not find car insurance that covers your clutch, but you can save money. Compare auto insurance quotes right now by entering your ZIP code in the FREE comparison tool above!

How Auto Insurance Covers Clutch Repair

If you get into a major accident and your clutch and transmission are damaged. Your collision coverage (if you’re at fault) or the other party’s property damage liability (if the other driver is at fault) would provide you with coverage.

However, auto insurance companies are only going to pay out up to the max level of liability you have in place. If the total damages are $50,000, and you only have $30,000 worth of coverage, the remaining $20,000 would be your financial responsibility.

Auto insurance companies recommend going above and beyond on liability levels. Adding $10,000 or more above the state requirement is often only a few extra dollars per month on your premium.

If you don’t get into an accident, but the clutch is damaged, one of the only other ways insurance would cover the damages is if you experienced a flood and the water caused the damage.

For insurance to accept the claim, you would need to have comprehensive coverage as this takes care of non-driving related incidents.

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How did the clutch become damaged?

Inspect the damaged clutch. There are plenty of ways for a clutch to give out, and this means you will need to have it replaced. It’s particularly common in manual cars, especially when someone slips the clutch frequently.

Most common ways for the clutch to be damaged include:

  • Wear and tear
  • Oil on the clutch
  • Water in the clutch
  • Clutch overheating

Clutch overheating and normal wear and tear is not going to be covered by insurance. In most instances, oil on the clutch won’t be included, either. Insurance companies do not pay for repairs that are not related to a covered claim.

You are expected to maintain your car.

Watch this video on tips on how to maintain the life of your clutch.

Your car insurance policy won’t cover anything that fails as a result of you not maintaining your car.

What coverage do you have on your insurance policy?

You will be required to have specific coverage in place based on the state where you live. This requirement includes bodily injury and property damage liability.

The levels you are required to have will be identified by the state and will be included when auto insurance companies provide you with quotes.

Other types of coverage you might be required to have, either by the state or a lienholder include:

You can customize your policy to fit your needs and your budget. You have to maintain the minimum as required by your state. You then have the option of adding to the liability coverage and adding on other types of coverage.

The National Association of Insurance Commissioner (NAIC) monitors the cost of basic coverage rates each year. Let’s look at the national average of basic auto insurance coverage rates.

Average Auto Insurance Rates by Coverage Type
Basic Auto Insurance Coverage TypesAverage Annual Auto Insurance Insurance RatesAverage Monthly Auto Insurance Rates
Comprehensive$148$12
Collision$327$27
Liability$555$46
Full$1,030$86
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The average clutch replacement cost is between $1,200 to $1,400. The national average for full coverage is $1,029 per year, so it’s cheaper to have full coverage. If your clutch is damaged in an accident, full coverage or collision coverage will pay for the damages.

However, liability-only coverage will not cover the cost of a damaged clutch. Liability insurance only pays for the other party’s bodily injuries and property damages.

Extra coverage will make it easier for you to have enough insurance to protect you when something happens to your vehicle.

When you have a damaged clutch, you have to look at what the various types of insurance cover.

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Is it worth it to file a claim on your clutch?

According to the Insurance Information Institute, filing a claim can increase auto insurance rates. The increase varies from company to company. If you’re trying to get your vehicle back on the road, it’s worth it.

Even if it’s minor damage to the clutch, if you think that it is something covered by auto insurance, it’s best to file a claim.

The only time you don’t have to worry about filing a claim is if it’s because of wear and tear. You don’t report each time you get an oil change, and the same is true about clutch repairs because it’s what’s needed to take care of your car.

The clutch might be an expensive repair, but it’s often not covered by car insurance. It will depend on how the damages occurred and what kind of coverage you have on your policy.

When in doubt, contact the auto insurance company and talk to them about the damages to see if they’ll pay for a repair or replacement.

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Clutch Auto Insurance FAQs

For the final section of this guide, we’ll go over frequently asked questions about clutch insurance. These questions appear on search engines across the internet, and they’ll help understand how to approach the next step in getting clutch repairs for your vehicle.

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#1 – What are the signs your clutch is going out?

Spongy, sticking, vibrating, or loose responses when your clutch is pressed is a sign that a clutch is going out. If it’s challenging to switch gears or rev the engine, it could be a sign that your clutch is going out, also.

#2 – Does insurance cover clutch replacement?

Does car insurance cover clutch replacement? It depends. Auto insurance companies will only pay for clutch replacement if it’s damaged in an accident. Also, you must have collision or full coverage to receive compensation for repair costs.

#3 – Will car insurance cover a blown engine?

Auto insurance companies will only pay for engine repairs if it’s related to an accident. Full coverage and collision coverage is the only guarantee that your vehicle will be covered after an accident.

#4 – What is the cheapest auto insurance per month?

USAA, State Farm, and Geico have the cheapest auto insurance rates per month.

#5 – Who really has the cheapest auto insurance?

It depends on the state, but USAA has the cheapest auto insurance so far.

#6 – What is Windhaven Auto Insurance?

Windhaven Insurance was an auto and home insurance company that stopped operations in February 2020. The Texas-based company was liquidated by Texas state law court.

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