Does car insurance cover hail damage?

Car insurance covers hail damage with comprehensive coverage, which includes repairs for damages that result from weather, fire damage, vandalism, and other non-accident incidents. Insurance pays for hail damage after you meet your deductible, but you may consider paying for the repairs out-of-pocket rather than claiming hail damage on your car through your insurance. Compare quotes before you decide on the best car insurance company for hail 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: Jan 12, 2022

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The Highlights

  • Comprehensive coverage typically covers hail damage
  • Filing a claim for hail damage may result in an increase in insurance rates
  • You’ll pay an average of $12 per month ($148 per year) for comprehensive insurance

If your vehicle has been damaged by hail, you’re probably asking yourself, does car insurance cover hail damage? Should I claim hail damage on my car? How much hail damage does it take to total a vehicle?

How much are average car insurance rates for hail damage? Can you get a better rate for hail damage coverage if you compare car insurance rates?  How much does insurance pay for hail damage on the roof? What is the best car insurance company for hail damage?

Read this article for answers to all your car insurance for hail damage questions.

If you’re ready to start shopping for affordable car insurance for hail damage, use your ZIP code in the tool on this page to get your first free quote today.

Is hail damage covered by car insurance?

Hail damage can be minor, only leaving paint chips on your vehicle, or it can be quite severe and include broken windows, significant damage to the frame, water damage, and more.

Coverage for damages that result from something other than collision, like hail damage, is included under comprehensive coverage.

Hail damage is typically included in comprehensive coverage, but if you’re concerned, it’s always a good idea to speak with your insurance company to find out what specifically is included in your policy.

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How much does car insurance for hail damage cost?

The National Association of Insurance Commissioners reports an average of $12 per month for comprehensive coverage (which you’ll be paying on top of the rate for your liability coverage and whatever other car insurance is on your policy).

Take a look at this table for average rates for comprehensive, collision, and liability to better understand what you may be paying.

Average National Car Insurance Rates: Collision, Comprehensive, and Liability
Coverage TypeAnnual Car Insurance RateMonthly Car Insurance Rate
Liability Coverage$539$45
Comprehensive Coverage$148$12
Collision Coverage$323$27
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Be prepared for a possible rate increase if you do file a claim for hail damage. Depending on how much repair estimates for the damage are, it may make more sense to cover the cost out-of-pocket, given the potential rate increase.

This is doubly true when you consider your insurance deductible. If the cost of repairs is less than, equal to, or only slightly more than your deductible, it’s probably not worth filing an insurance claim; paying out-of-pocket may make more financial sense.

Does car insurance cover hail damage?: The Bottom Line

Hail damage is usually covered by comprehensive coverage, which can cost an average of $148 per month. Depending on the cost of repairs and your deductible, it may make more sense to pay for the damage out-of-pocket rather than filing an insurance claim.

One way to protect your vehicle from hail damage beyond buying comprehensive coverage is parking it in covered parking (like a garage) whenever possible. To get affordable coverage, you should comparison shop using multiple car insurance quotes for hail damage.

Now that you’ve finished this article, are you ready to buy car insurance for hail damage? Enter your ZIP code in our tool to get a free quote and start comparison shopping right now.

Frequently Asked Questions: Does car insurance cover hail damage?

If you’re still looking for information on car insurance and hail damage, read through these frequently asked questions for more.

#1 – Does hail damage decrease the value of your vehicle, even after it’s repaired?

It depends on the level of damage and how well it is repaired. If the damage is repairable such that it was like it never happened (which is possible for dents if certain repair methods are used), it won’t affect the value of your vehicle.

However, if you don’t repair the damage, or the repair still leaves traces of the damage, this could affect the resale value of your vehicle.

#2 – What is covered by liability insurance?

Liability insurance covers the cost of damages and injuries for other drivers when you’re in an at-fault accident. This coverage is required in most states as a condition for driving legally.

#3 – Can you get hail damage coverage for your home?

If you have home insurance, it will most likely include protection for structural damage, including hail damage.

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