Does auto insurance cover water leaks?

Auto insurance covers water leaks through comprehensive coverage. Water damage to a car is covered by insurance, but insurance won't total a flooded car unless the damage is more than the value of the car. The national average for comprehensive insurance to cover water leaks is $148/year or $12/mo.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Aug 27, 2020

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A Concise Overview

  • Your auto insurance company can cover water leaks through comprehensive coverage.
  • Collision insurance can cover a leak that starts due to an accident.
  • It’s important to have flood insurance for your vehicle if you live in an area that encounters heavy rain or hurricanes.

Does auto insurance cover water leaks? Auto insurance covers water leaks only through comprehensive insurance coverage. Water leaks can be caused by normal wear and tear, but some conditions may cause a leak in your car’s cabin or even the engine.

Before you learn more about water leaks and auto insurance, enter your ZIP code in the FREE comparison tool above to find the best coverage rates in your area.

Does auto insurance cover water leaks?

Car insurance will cover water leaks through comprehensive coverage.

Comprehensive coverage pays for damage on your vehicle that doesn’t involve a collision.

Therefore, a storm that causes leaks in your vehicle cabin or engine could be covered by your auto insurance company. Companies will often have water damage car insurance claims from sunroofs and windshields.

Get auto insurance quotes that will help you cover possible water damage by entering your ZIP code below.

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Does auto insurance cover sunroof leaks?

Is your sunroof covered under insurance? Car insurance does cover a leaking sunroof, but it won’t cover leaking sunroofs that go bad from normal wear and tear. However, the sunroof is covered under collision and comprehensive insurance, usually after an accident or an unexpected event such as a falling object.

This short video further details collision and comprehensive coverage.

How can collision insurance cover a leaking sunroof? If your sunroof starts to leak after you’ve been in an accident, you should file a claim to your insurance company before water damage to your car occurs.

Will insurance cover a leaking windshield?

Most auto insurance companies include windshield replacement in their comprehensive coverage policy. Whether you pay for a deductible is up to state law. According to Car Windshields, each state has different rules on how insurance can select windshields and whether you pay a deductible.

Two of the top companies, Geico and Progressive, only provide water damage coverage through comprehensive insurance.

File a claim with an auto insurance company if your windshield is leaking and causing water damage to your car.

Are water leaks covered by car warranty?

A car warranty does cover water leaks. If you recently bought a car with a leak, your vehicle may be eligible for a repair due to the warranty. You should consider using your car warranty if your insurance company denies your flood damage claim.

What can water damage do to a vehicle?

According to the Centers for Disease Control (CDC), water damage can increase the risk of chemical hazards and mold. It can saturate the cushions and fabric in your car to produce mildew, which is hazardous to your lungs.

Chemicals and oils can enter the ventilation if massive flooding occurs. It’s important to have flood insurance for your vehicle if you live in an area that encounters heavy rain or hurricanes. Auto insurance companies won’t total a flooded car if you only have liability coverage.

Here’s a news report on further details what water damage can do to your vehicle.


How high does water have to be to flood a vehicle?

According to the National Weather Service, six inches of water can reach the bottom of your car, causing it to stall or lose control. One foot of water can float your vehicle. Rushing water that’s at least two feet can move your car, including SUVs and pick-up trucks.

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Factors That Can Impact Your Monthly Insurance Rates

Factors that determine auto insurance rates are important because they will affect your overall cost for auto insurance. Your comprehensive coverage changes based on what type of car your drive, where you live, how many miles you drive, your age, your gender, driving record, and credit history.

Can you name three factors that can impact your monthly insurance premium? The three most impactful factors are your age, credit history, and driving record. Why credit history? Auto insurance companies believe that consumers with good credit are less likely to file a claim. Consumers with poor or fair credit could pay more expensive rates. Let’s look at an example of how auto insurance is determined.

Factors That Impact Auto Insurance Rates
Factors That Determine InsuranceAverage Annual Insurance RatesAverage Monthly Insurance Rates
Clean record$3,123.62$260.30
Good credit$3,166.07$263.84
35-year-old driver$2,447.46$203.96
25-year-old driver$2,796.28$233.02
17-year-old driver$8,293.34$691.11
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If you have good credit, a clean driving record, and experience behind the wheel, you can save hundreds on auto insurance. These factors can reduce your comprehensive coverage rates and get you the coverage you need to avoid out-of-pocket water damage costs.

Now that you know how to get car insurance for water leaks, compare rates. Enter your ZIP code in the free comparison tool to get started with your search for affordable insurance in your area.

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Frequently Asked Questions: Does auto insurance cover water leaks?

#1 – Does auto insurance cover oil leaks?

Your auto insurance company will only cover oil leaks as a result of an accident. However, you’ll need collision coverage to file a claim.

#2 – Does homeowner’s insurance cover water leaks?

Review your policy and be sure water damage and flood damage are part of the policy. Home insurance will help if the leak is accidental or sudden.

#3 – What types of water damage does insurance cover?

Does auto insurance cover water damage from rain or storms? Auto insurance covers water damage from storms, falling objects, and flooding.

#4 – Does auto insurance cover water damage to the engine?

Auto insurance won’t cover water damage from maintenance problems, leaving a hood open, or leaving a window down. However, comprehensive insurance will cover damage from a storm or falling object that damages your engine.

#5 – Can you tell me how to get insurance to pay for water damage?

Your auto insurance company will only pay for water damage if your vehicle is an unexpected accident where you’re not operating the car. A flood or storm are some of the types of water damage auto insurance could cover.

#6 – Does Geico’s auto insurance cover water damage to a vehicle?

Yes. Geico carries a comprehensive auto insurance plan for its customers if they encounter water damage. Geico also has a home insurance department that deals with sudden water damage claims.

#7 – Can you file an insurance claim for a blown engine?

You can, but your blown engine can’t be covered if the vehicle wasn’t in an accident.

#8 – Does Progressive auto insurance cover water damage?

Like Geico, Progressive offers comprehensive coverage to help its customers pay for sudden events where water damage has occurred.

#9 – Does State Farm cover water damage to cars?

Yes. Water damage from storms, flooding, or other accidents are taken care of through State Farm’s comprehensive coverage.



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