Does Car Insurance Cover Rodent Damage to a Car?

Rodents can cause up to $2,000 of damage to your car by chewing wires, nesting around vents, and leaving stains. Purchase comprehensive car insurance to protect your vehicle from rats, squirrels, and other pests. Compare rates online to find affordable car insurance that covers rodent 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: Dec 14, 2021

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The Highlights

  • Rodents can damage your car by gnawing on wires, clogging vents, and leaving droppings
  • Repairing car wiring damaged by rodents can cost between $700 and $2,000
  • In most cases, comprehensive car insurance will cover the repair costs associated with rodent damage

Have rodents damaged the interior of your car or chewed through wiring? You’ll be relieved to find out that many car insurance companies cover rodent damage in the same way they would a collision with a deer or other large animal.

We’re here to help you compare car insurance options that protect your vehicle from rats, squirrels, and other pests. Read on to find out which insurance companies cover rodent damage to a car as well as how to best protect your car from pests in the future.

Once you feel prepared to protect your car from rodent damage, enter your ZIP code in our free online quote tool to compare rates and find a car insurance plan that works for you.

Does car insurance cover damage from rodents?

As long as you have comprehensive coverage, your car insurance will almost certainly pay for any repairs or even replacements related to rodents gnawing on wires, scratching your car, or nesting in your vehicle.

According to the Insurance Information Institute, rodent damage protection is one of the many common benefits of comprehensive coverage. That said, the Institute does recommend reviewing your policy carefully to make sure you’re protected.

As for what rodent damage to a car can look like, here are a few examples that a comprehensive policy would cover:

  • Wiring that’s been gnawed on
  • Clogged vents due to nesting rodents
  • Bite/claw marks on your seats
  • Droppings, stains, or other signs of rodents living in or near your vehicle

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Which insurance companies cover rat damage?

Most car insurance companies that offer comprehensive coverage will cover damage from rats and other rodents as part of this type of policy. If you have comprehensive coverage from your current insurance company, contact them to find out if rodent damage is covered.

If you’re looking for the best car insurance company that covers rodent damage, we recommend starting your search with Liberty Mutual, Progressive, and GEICO as these are our top picks for affordable car insurance. USAA is also a good option if you or an immediate family member is a veteran or active member of the military.

How much does rodent damage to car wiring cost?

Rodent damage to your car’s wiring can be expensive to pay for out of pocket. According to KSHB 41 News, repairing car wiring after rodent damage can cost between $700 and $2,000.

Depending on where rodents have damaged your car’s wiring, you may be unable to start your vehicle at all until it’s repaired. In situations like this, you may benefit from emergency roadside service coverage in addition to comprehensive car insurance.

How do I protect my car from rodents?

No matter how great your car insurance coverage, it’s always cheaper to prevent rodent damage than it is to repair it.

Terminix, a pest control company, offers some suggestions for preventing rodents from invading your engine:

  • Try to move your car frequently to keep rodents from nesting.
  • Park in a garage instead of outdoors if possible.
  • Check for potential entry points and seal those that you can.
  • Contact a pest control specialist or set rodent traps yourself.

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What to Consider Before Purchasing Car Insurance That Covers Rodent Damage

Here are some things to keep in mind when shopping for coverage.

  • Purchase comprehensive car insurance to ensure that you’re covered in the event of rodent damage.
  • Remember that rodent damage to car wiring can cost up to $2,000 when considering the comprehensive coverage options offered by different insurance companies.
  • To avoid costly repairs entirely, take steps to prevent rodents from nesting in your vehicle.

Ready to start your search for affordable car insurance that covers rodent damage? Try our free online quote tool to compare rates in your area.

Are you looking for free insurance quotes?

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

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