Does car insurance cover flood damage?

Car insurance covers flood damage through comprehensive insurance. On average, comprehensive auto insurance is $13/mo. Meanwhile, flood damage repair can cost as low as $20. While costs for comprehensive insurance and flood damage repair vary, you should still shop around. Compare multiple companies to secure the best auto insurance coverage for flood damage.

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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: Aug 9, 2021

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The Highlights

  • Car insurance companies cover flood damage through comprehensive coverage
  • You won’t get coverage for flood damage if you leave your windows open
  • On average, comprehensive insurance costs $13/mo

Did you know car insurance can cover flood damage? With the right auto insurance coverage, you can get help with flood damage to your car.

Car insurance companies can even cut you a check for the value of your vehicle. Is water damage covered by car insurance? Does car insurance cover rain damage? Don’t worry – we’re here to help.

Read through this guide to learn how auto insurance covers flood damage and water damage. Also, we’ll compare car insurance rates to give you an idea of how much you’ll spend each month.

Once you learn how car insurance covers flood damage, enter your ZIP code in the free comparison tool above to compare multiple companies in your area.

Does car insurance cover flood damage?

The answer is yes. But you’ll need comprehensive insurance.

Comprehensive car insurance provides coverage for property damage that doesn’t involve a collision.

In other words, comprehensive auto insurance pays for damage to your vehicle from unforeseen accidents, such as:

  • Falling Objects
  • Vandalism
  • Animal Damage
  • Natural Disasters
  • Fire Damage
  • Vehicle Theft

Since flood damage is part of natural disasters, comprehensive insurance covers damage from hail and heavy rain.

Does car insurance cover water damage?

Yes, it can. According to the National Weather Service, it only takes six inches of water to lose control of your car. One foot of water can float your vehicle, and two feet of rushing water can push SUVs.

Rushing and flooding water that damages your vehicle is covered by your car insurance company’s comprehensive coverage.

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How much is comprehensive car insurance?

The National Association of Insurance Commissioners (NAIC) reported that comprehensive auto insurance is $13 a month on average. Meanwhile, the average cost of full coverage is $90 per month.

But we’ve researched what comprehensive coverage may look like at the best insurance companies.

Here’s what we found.

  • Allstate – $45/month
  • American Family – $31/month
  • Farmers – $40/month
  • GEICO – $25/month
  • Liberty Mutual – $56/month
  • Nationwide – $32/month
  • Progressive – $40/month
  • State Farm – $33/month
  • Travelers – $40/month
  • USAA – $23/month

Based on NAIC’s research, we found that comprehensive coverage is 14% of full coverage on average. We applied NAIC’s percentage to the average auto insurance rates of the top companies in the United States.

But your rates will vary. Comprehensive insurance rates are based on your deductible, location, and vehicle.

How do you file a car insurance claim for flood damage?

Contact your auto insurance company and let them know your car is flooded. Most car insurance companies allow you to make claims online, also.

When you file a claim electronically, make sure you have these things on hand:

  • Your Name
  • Address
  • Policy Number
  • VIN
  • Pictures of the flooded car and flood damage

You can make a claim over the phone, but you’ll likely have to take photos of your damage and send them by email.

What repairs does car insurance cover?

Auto insurance companies usually pay for repairs affected by flood damage, including a flooded engine, steering systems, or any area of the vehicle damaged by a flood.

Flood damage repairs can cost anywhere between $20 and $8,000, on average, depending on the extent and severity of the damage

But, you’ll need comprehensive auto insurance to get coverage for repairs.

Does car insurance cover repairs if my windows are left open?

The short answer is no. Auto insurance companies wouldn’t cover flood damage if you left the windows open during a heavy storm.

Car insurance companies won’t cover flood damage due to normal wear and tear or defective windows and sunroofs.

What do I do if my flood-damaged car is a total loss?

If your car is a total loss, your auto insurance company will cut you a check for the vehicle’s value. However, you’ll need to make sure you have enough on your comprehensive insurance limit.

Cars that aren’t totaled by flood damage can be repaired. Therefore, your car insurance company will give you a claim check for the cost of damage.

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Can other car insurance options cover flood damage?

Liability insurance and collision insurance won’t cover flood damage. Comprehensive auto insurance is the only coverage option that provides compensation for a flooded car.

However, you can use emergency roadside assistance or towing coverage to have your vehicle hauled to a car repair shop or a scrapyard.

Car Insurance Covers Flood Damage: The Bottom Line

You can only get coverage for flood damage through comprehensive auto insurance. File a claim as soon as possible if your vehicle is flooded.

Liability and collision coverage won’t pay for damage from floods, water, or heavy rain. Also, you can’t get coverage if you leave your windows or sunroof open.

It’s best to be prepared for anything, so we recommend comprehensive insurance.

Now that you know how car insurance covers flood damage, use our free online quote tool to compare multiple companies near you.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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