Does car insurance cover a clutch replacement?

Car insurance covers clutch replacement only if you're not at fault in an accident. A clutch that wears down over time won't be covered by car insurance. The average out-of-pocket cost for clutch replacement is $1,265. However, there are specific coverages that help you with clutch replacement costs, including mechanical breakdown insurance.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 15, 2021

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The Highlights

  • Car insurance companies won’t cover clutch replacement if the damage is from normal wear and tear
  • Clutch replacement costs $1,265 on average
  • If you can’t get a warranty, shop for mechanical breakdown insurance

A clutch is essential to a manual transmission. If it’s damaged, it could sideline your vehicle permanently if you wait too long to fix it.

What if the clutch is damaged in an accident? Does auto insurance cover clutch replacement?

Our guide answers your frequently asked questions about clutch repair and explains everything you need to know about how car insurance covers clutch replacement. You’ll also have the chance to compare car insurance quotes from companies in your area to find the right coverage for you.

Once you learn about car insurance coverage for clutch replacement, enter your ZIP code in the free comparison tool above to compare insurance policies from multiple companies in your area.

Does car insurance cover a clutch replacement?

A car insurance company would cover a clutch replacement if you were found as the no-fault driver in an accident. The at-fault driver’s liability coverage should cover the cost of the clutch replacement.

At-fault drivers can’t get a clutch replacement with liability coverage only. However, if you have collision coverage, the auto insurance company will cover the cost of a clutch replacement after an accident regardless of who was at fault.

If your clutch is damaged during vehicle theft, or by a falling object, fire, flood, or storm, then comprehensive coverage covers the cost of a clutch replacement.

Is a clutch plate covered under car insurance?

Clutch plate replacement falls under the same rules as a clutch replacement. The insurance company won’t cover any damage from aging or negligence but can provide coverage after a collision depending on your policy.

Is a clutch plate covered under warranty
clutch insurance?

If your vehicle is under warranty, you may not need car insurance to cover the repair. Cars under warranty come with free repair. The warranty is a guarantee to fix any defects and to promote quality assurance for as long as the warranty lasts.

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What if my car insurance company won’t cover clutch replacement?

If a car insurance company determines that a clutch is damaged due to normal wear and tear or negligence, your claim will be denied. You’ll be on the hook for the clutch replacement cost.

Here’s the average cost of a clutch replacement, according to RepairPal.

Average Clutch Replacement Cost
Clutch Replacement SummaryClutch Replacement Costs
Clutch Replacement & Repair$1,265 to $1,417
Clutch Replacement Labor$580 to $732
Clutch Replacement Parts$685
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With a warranty, you can save at least $1,200. If you have no car insurance and no warranty you’ll be paying the whole cost out of pocket. But there’s an alternative solution: mechanical breakdown auto insurance.

How to Shop for Mechanical Breakdown Car Insurance

If you want to skip a lengthy debate and claims process with your car insurance company, shop for mechanical breakdown insurance (MBI). It’s a clutch insurance option that some insurance companies don’t have.

GEICO is one of the few car insurance companies that carry mechanical breakdown insurance.

Mechanical breakdown insurance activates when your vehicle suddenly breaks down. The MBI company pays for the damage and cuts a check based on the repair cost.

You’ll need to get a few estimates, and an adjuster may inspect your vehicle’s damage.

Mechanical breakdown car insurance rates can cost $100 per month.

Mechanical breakdown insurance can save you hundreds when your car warranty ends. If it’s cheaper to renew your vehicle warranty, go with that option. If not, get mechanical breakdown insurance for your clutch.

Do I have to pay a deductible?

Property damage coverage from car insurance usually comes with a deductible. Higher deductibles produce lower monthly payments. But, warranties don’t come with a deductible or labor costs.

Is a clutch replacement claim worth it?

The short answer is yes. If you ignore a damaged clutch, it will eventually affect the engine. File a claim if you’ve been in an accident.

However, you should make sure you’re carrying full coverage car insurance. Liability-only car insurance could leave you with the clutch replacement bill.

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Car Insurance Covers Clutch Replacement: What’s the bottom line?

Liability car insurance won’t be able to cover the cost of a clutch replacement unless you’ve been in an accident where you are not at fault.

If you are at fault, collision coverage can help pay for a clutch replacement, but you’ll have to pay a deductible.

When car insurance is too expensive, consider mechanical breakdown insurance. MBI can provide coverage if your clutch suddenly breaks down.

Now that you know how car insurance covers clutch replacement, use our free online quote tool below to compare rates from the most affordable auto insurance companies near you.

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