Does car insurance cover bumper damage?

Does auto insurance cover bumper damage if you’re involved in a car accident? Comprehensive and collision coverages each pay for bumper damage due to different causes. The cost of bumper replacement may influence whether you should file an insurance claim for bumper damage. You may have up to two years to make a bumper damage claim depending on where you live.

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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 3, 2021

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The Highlights

  • Collision and comprehensive auto insurance cover bumper damage.
  • The average cost to replace a damaged bumper is between $400 and $1000
  • Depending on the cost to replace your bumper, it may not be worth filing an insurance claim for bumper damage.
  • The state you live in affects how much time you have to make a claim for damage to your bumper.

If you have an accident, does auto insurance cover bumper damage? Some types of coverage do pay for bumper damage, but you need to have the appropriate coverage for the situation.

Collision insurance coverage and comprehensive insurance coverage both cover damage to your bumper under different circumstances. An auto insurance policy with both coverages ensures the best protection for your bumper.

Since the correct coverage is essential for paying for bumper damage, it’s important to compare car insurance so you can find the policy that best suits your needs.

Our free quote comparison tool can help you find auto insurance that covers your bumper. Enter your ZIP code into the box above to get started.

Does insurance cover bumper damage in an accident?

Auto insurance covers bumper damage if your policy includes the right type of coverage. How your bumper became damaged determines the type of insurance coverage that pays for the repair or replacement.

If you’re involved in a car accident and strike another vehicle or object such as a tree, collision insurance coverage pays for bumper damage. If you’re found to at-fault for the accident, you would typically file a claim against your own collision coverage.

Depending on the state where the accident occurred, you could also be financially responsible for damage to other vehicles. Some states in the US operate as at-fault insurance states while others are no-fault insurance states.

Robert Pierce and Associates provides the following explanation:

In at-fault insurance states, you will recover compensation from the driver responsible for the accident (and their insurance company). In no-fault insurance states, you will recover compensation from your own insurance company, regardless of who caused the accident.

Comprehensive insurance coverage pays for bumper damage caused by non-accident occurrences such as the following:

  • Natural disasters
  • Road debris
  • Fire
  • Vandalism
  • Theft
  • Hitting an animal

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When doesn’t auto insurance pay for bumper damage?

Simply having auto insurance isn’t enough to guarantee you’re covered in the event of bumper damage. If you have low or liability-only coverage, your bumper isn’t covered.

High or full coverage auto insurance–combinations of coverage under one policy–do cover damage to your bumper.

A policy with comprehensive and collision coverage is best for providing your vehicle with bumper-to-bumper protection. Auto insurance companies charge higher rates for these policies because the coverage is higher.

There may be restrictions and limitations to how much insurance pays for bumper damage. You might want to consult with your insurer to review your policy’s specific coverage information.

Should I file an insurance claim for bumper damage?

Whether you should file an insurance claim for bumper damage may depend on the number of people involved in the accident and the cost to fix the bumper.

A general rule of thumb is to always report collisions involving other people to your auto insurance company, even a minor fender bender. This includes passengers in your vehicle and other vehicles.

Your insurer may require you to notify them if you have an accident involving other people. The time you have to report the accident to your insurance company could vary anywhere from 24 hours to 30 days.

Be aware that reporting an accident to auto insurance and filing a claim for damage aren’t the same thing. You may not be required to do both.

If your auto insurance deductible is more than the cost to replace the bumper, it may not be worth filing a claim. This is because you’re responsible for paying out of pocket for repairs up to the deductible amount.

You can keep your rates low by not filing a claim in a case where replacing the bumper is less expensive than your deductible.

How much does a bumper replacement cost?

The average cost to replace a bumper is between $400 and $1000. This price range is determined by factors like the following:

  • Year, make, and model of your vehicle
  • Cost of your car’s original paint job
  • Material in the bumper
  • Whether the bumper was made by the original manufacturer or aftermarket manufacturer

A car’s age and model usually carry the most weight in determining new bumper cost. For instance, it’s less expensive to replace the bumper on a 2014 Ford Fusion than a 2020 BMW 330i.

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How long do I have to file an insurance claim for bumper damage?

The time you have to file an auto insurance claim to pay for bumper damage following an accident can vary largely. You may have up to two years to file the claim with your insurance company. In some cases, insurers give you up to 10 years to make a bumper damage claim if it makes sense.

The exact amount of time you have to file a claim depends on the location of your home or in which state your insurance policy is based.

Taking a long time to file a bumper claim may not be in your best interest. It can be difficult to prove an accident caused damage to your vehicle months or years after the accident occurred.

Auto Insurance and Bumper Damage: Final Thoughts

Your auto insurance covers bumper damage if your policy carries collision or comprehensive coverage.

Collision insurance coverage pays for bumper damage to your car in a collision. Comprehensive insurance pays for damage to your vehicle’s bumper if it’s affected by a weather event, natural disaster, or vandalism.

You may want to file an insurance claim for bumper damage if the cost to replace the bumper is more than your deductible. You may also have to report any accidents to your insurer if other people are involved.

The cost of replacing a damaged bumper is largely determined by the age and model of your vehicle, as well as the construction material. Where you live can impact the length of time you have to file an insurance claim for bumper damage.

Our quote comparison tool can help if you’re unsure about whether your current auto insurance covers bumper damage. Enter your ZIP code into the box below to get started.

Are you looking for free insurance quotes?

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