Does car insurance cover a dead battery?

Car insurance doesn't cover a dead battery except in extenuating circumstances. For example, car battery theft is covered under insurance plans with comprehensive coverage. Insurance can replace a battery if it is damaged in an accident. Car batteries may also be covered under warranty, which can be worth getting because batteries only last for a few years, and hot weather further shortens a battery's lifespan.

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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: May 25, 2021

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The Highlights

  • Car insurance does not cover a dead battery in most cases
  • There are some unique situations where batteries are covered, but they are uncommon scenarios
  • Batteries only last around three years, and in hot areas like Florida, battery life is even shorter
  • Car batteries are relatively cheap, averaging between $50-$120

One day you go to start your car and nothing happens. You discover that your battery has died.

This is a relatively common problem, as car batteries only last a few years. Generally speaking, you can expect a car battery to last around three to five years.

That is unless you happen to live in an area with a hot climate such as Florida. Heat and humidity can damage car batteries, so the battery life span is even shorter in places like this.

If you live in Florida or an area with a similar climate, your car battery can die in as little as two years.

So if you’re wondering, “Does car insurance cover a dead battery?” unfortunately, in most cases, the answer is no.

So, when does car insurance cover dead battery issues? There are certain scenarios in which insurance can replace a battery.

While they may not be common situations, it’s still worth comparing car insurance to see if you are covered in these circumstances.

Though car insurance does not normally cover dead battery issues, there is a lot that insurance will cover, and it’s important to be protected.

Enter your ZIP code into our free quote tool above to compare rates from different car insurance companies.

Will insurance replace a car battery if it has been damaged in an accident?

If you file a claim after an accident, insurance companies will take a look at the things damaged in the accident. Assuming the car has not been totaled, your insurer can cover the cost of replacement parts.

This is why having comprehensive car insurance can be so important. If a battery is one of the things damaged in the accident, then yes, insurance may cover a battery replacement.

However, it won’t cover a battery that dies in the normal operation of a car.

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Is car battery theft covered in insurance plans?

This is actually one of the ways in which insurance will cover a battery. Comprehensive car insurance does cover you if your car is stolen or if parts of your car are stolen.

However, it should be noted that battery theft is unlikely. Batteries are heavy and don’t last long. They are also relatively cheap, so there are more valuable parts of a car that thieves might target.

Is battery replacement covered in roadside assistance programs?

Let’s review Progressive Insurance, for example. Does Progressive car insurance cover battery replacement? No.

However, Progressive has a roadside assistance program covering towing, locksmithing, battery replacement, and other things.

Roadside assistance is a separate policy from regular car insurance, but depending on your situation, having roadside assistance might be crucial.

For example, if you frequently travel long distances, having roadside assistance is a great idea.

If your car breaks down on a lonely stretch of road, roadside assistance will help you get moving again, either by fixing your car or taking it (and you) to a place that can make repairs.

Car insurance companies offer many different roadside assistance services, so it’s worth shopping around to find one that best fits you. Usually, they’re quite affordable too.

Are car batteries covered under warranty?

When you buy a new car battery, it will sometimes be covered under warranty by the manufacturer. Places that sell batteries usually have a warranty too. For example, Walmart’s EverStart batteries come with a three-year warranty.

Fortunately, car batteries are usually fairly affordable. They generally cost between $50-$120, although certain specialty batteries cost more.

Car insurance does cover dead batteries in uncommon situations. More importantly, it can cover a host of other issues that can occur with your car.

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