Does car insurance cover lightning strikes?

Car insurance does cover lightning strikes if you have the right type of policy. Repairs to your car can be pricey if insurance doesn’t cover them, so you may be better off paying out of pocket. Comprehensive car insurance will protect you from lightning strikes. Lightning damage can be avoided in the first place by pulling over during storms or storing your vehicle safely.

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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 31, 2021

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The Highlights

  • Your car insurance will protect you from lightning damage if it is a comprehensive coverage policy
  • If the lightning only caused minor damage and the cost of fixing is less than your deductible, you may want to pay for repairs yourself to avoid a claim
  • To prevent damage in the first place, always get off the road and wait for a lightning storm to pass

Car insurance covers a lot of different scenarios. But there are still questions about unforeseen events that a lot of drivers have. Such as, does car insurance cover lightning strikes?

This is a scenario lots of people experience, especially if they live in an area where storms are common. Repairing vehicle damage from lightning strikes can be costly, including replacing tires, electrical damage, and even injuries to yourself and passengers.

The answer will depend mainly on the type of car insurance policy you have. We have all the info you need in this guide to lightning strikes and car insurance.

To make sure you have the best coverage available, you should compare car insurance plans.

Before learning more about if car insurance covers lightning strikes, simply enter your ZIP code and you’ll find the best options for lightning strike car insurance in your area.

Are lightning strikes covered by insurance?

Yes, your car insurance will cover your vehicle if it is struck by lightning if your policy is for comprehensive insurance.

Lightning strikes are not covered by liability or collision insurance.

If you’re wondering what type you have, you should know the basic insurance that is required by most states is liability insurance. It only covers damage where you are at fault in an accident.

The other type of insurance that could be relevant here is collision insurance, but this only covers damage to your car from things that are not natural events, such as lightning.

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What type of insurance covers lightning strikes?

Comprehensive coverage is a type of car insurance that covers a wide range of types of unforeseeable events. That is, anything other than a collision.

For example, if your car is stolen, or a natural disaster — like a lightning strike.

Although it’s more costly, comprehensive car insurance can be worth it for peace of mind. You can compare average rates for different coverages below.

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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Now that you know all about car insurance and lightning strikes, it’s time to plan. The best way to protect your vehicle is to compare car insurance quotes.

Now that you know more about if car insurance covers lightning strikes, use our free tool simply by entering your ZIP code and you’ll get quotes from the top companies in your area right now.

Frequently Asked Questions: Does car insurance cover lightning strikes?

Do you have more questions about lightning strikes and car insurance? Here are the answers.

#1 – What should you do if your car gets hit by lightning?

If you’re in the car, pull over immediately and turn the car off. Do not touch any of the metal parts of the car.

#2 – How can you tell if your car was struck by lightning?

Usually, cars struck by lightning will show it through flat tires, a shattered rear windshield, a damaged antenna, or a faulty electrical system.

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