Does car insurance cover bullet holes?

Does car insurance cover bullet holes? Yes, car insurance does cover repairs for bullet holes as long as you have comprehensive insurance coverage. The cost to repair bullet holes in cars varies depending on how much damage the bullets did to the car. Does car insurance cover bullet holes with full coverage? Full coverage will cover bullet hole repairs since full coverage includes comprehensive coverage.

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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: Jun 9, 2021

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The Highlights

  • Bullet hole repairs are covered under comprehensive car insurance coverage
  • Bullet hole repair costs will vary depending on how much damage the bullets did to the car
  • Liability car insurance coverage will not cover bullet hole damage to your vehicle

If an armed incident takes place near your neighborhood, a stray bullet could pass through your vehicle. If this has happened to you, you may be wondering, “Does car insurance cover bullet holes?”

A bullet passing through your car can be traumatic. On top of that, it can be expensive to repair bullet holes in cars. We’ll help you compare car insurance rates from top companies so you can find the coverage you need.

Find out if car insurance covers bullet holes, how much repairs might cost, and what other repairs your car insurance may cover. First, enter your ZIP code into our free comparison tool above to find affordable car insurance in your area.

Does car insurance cover bullet holes?

So, does car insurance cover bullet holes? Fortunately, the answer is yes. However, whether or not your car insurance company will cover bullet holes depends on the type of coverage you have.

Most states require a minimum amount of car insurance coverage in order to drive legally. This typically ends up being a minimum amount of liability coverage.

Liability only covers damages that you cause to another person and their vehicle in an accident.

However, liability coverage won’t help if your car has been riddled with bullets. To cover the cost to repair bullet holes in cars, you’ll need to have comprehensive car insurance coverage, which is included in full coverage car insurance.

Does full coverage cover bullet holes? Full coverage means you have liability, collision, and comprehensive coverage on your car insurance policy. So, yes, full coverage does cover the cost to repair bullet holes in cars.

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How much does it cost to repair bullet holes in cars?

Now that we’ve answered the question, “Does car insurance cover bullet holes?” you’re probably wondering how much it costs to repair bullet holes in cars.

Well, estimates will vary based on the make and model of your vehicle and what the bullet damaged in the car. The holes themselves may cost as little as $60 to as much as $130 to repair, depending on the size of the bullet hole.

However, if the bullet punctured your airbags or damaged the car computer or even the seats, you could see a bill as high as $5,000. This is why it’s important to have comprehensive car insurance coverage.

In order to find affordable, comprehensive car insurance coverage, compare car insurance quotes from multiple companies to find the best deal. Comparing three to four quotes should help you find the best car insurance rates.

What repairs does car insurance cover?

So, what repairs does car insurance cover? Again, this depends on the kind of repairs you are looking for and the type of coverage you have.

If you have collision coverage, then your insurance will cover any damages that happened to your car as the result of a collision. This includes dented fenders, broken mirrors, and any structural damage to the engine or other parts.

According to the Insurance Information Institute, collision insurance can also cover damages to your car resulting from contact with a pothole.

If you have comprehensive coverage, then your insurance will cover any damages that happened to your car outside of a collision. This includes damages from fires, theft, vandalism, natural disasters, falling objects, and animals.

However, if your transmission breaks down or your engine wears out simply from general use, your car insurance will not cover such repairs.

Now that you know the answer to the question, “Does car insurance cover bullet holes?” you can start shopping today by entering your ZIP code into our free comparison tool below to buy car insurance from providers in your area.

Are you looking for free insurance quotes?

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