Cheap Auto Insurance Companies That Insure Cars With Blown Air Bags in 2024
After an accident, you may be on the lookout for auto insurance companies that insure cars with blown airbags. If your car isn't designated a total loss, you can still likely get affordable auto insurance quotes from companies that insure vehicles with blown airbags. Some monthly rates for auto insurance companies that insure cars with blown airbags can be as low as $318.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jan 28, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Auto insurance companies will insure cars with blown air bags unless it’s considered a total loss
- Total loss classifications vary by state
- If your car is considered a total loss, it’ll need repairs before it can be driven on the road again
If you’ve recently been in an accident, you may be looking for auto insurance companies that insure cars with blown air bags. As long as your vehicle isn’t considered a total loss, you can still find coverage. However, if it has, you may need to apply for high-risk auto insurance.
If you’re looking for rates from auto insurance companies that insure cars with blown air bags, enter your ZIP code into our free quote tool.
Which auto insurance companies insure cars with blown air bags?
It may not be as hard as you think to get an auto insurance policy once your car has had its air bags blown. Once that happens, you aren’t automatically excluded from getting a policy. Still, it’s more likely that you will have to qualify for a high-risk policy due to any claims you may file.
Below are examples of annual rates for high-risk drivers from the top auto insurance companies in the industry:
Average Annual Auto Insurance Rates for High-Risk Drivers
| Companies | Average Rates With a Clean Record | Average Rates With 1 speeding violation | Average Rates With 1 accident | Average Rates With 1 DUI |
|---|---|---|---|---|
| Allstate | $3,820 | $4,484 | $4,988 | $6,261 |
| American Family | $2,694 | $3,026 | $3,723 | $4,330 |
| Farmers | $3,461 | $4,079 | $4,519 | $4,719 |
| Geico | $2,146 | $2,645 | $3,193 | $4,876 |
| Liberty Mutual | $4,774 | $5,701 | $6,205 | $7,613 |
| Nationwide | $2,746 | $3,114 | $3,397 | $4,543 |
| Progressive | $3,393 | $4,002 | $4,777 | $3,970 |
| State Farm | $2,821 | $3,186 | $3,396 | $3,637 |
| Travelers | $3,448 | $4,261 | $4,290 | $5,741 |
| USAA | $1,934 | $2,193 | $2,516 | $3,506 |
Some insurers will provide high-risk auto insurance rates for around $318 a month. However, if your car is designated as a total loss, you’ll likely be unable to get insurance on that vehicle.
Does insurance cover air bag replacement?
Whether or not an insurer can give your car a policy will depend on what your state considers a total loss. Each state has a percentage, and if the repairs go above that percentage of your vehicle’s value, your vehicle will be regarded as a total loss.
If your vehicle’s air bag repairs go beyond that percentage of the total value, then it will be considered a total loss and the insurance company won’t cover the repairs. On the other hand, if it’s below that percentage you can likely file a claim and get those repairs started.
You’ll be unlikely to get insurance coverage without repairs. Even then, you’ll likely have to obtain a salvage title, which will make insuring your vehicle even more tricky.
If your car isn’t considered a total loss, you should still be able to find affordable auto insurance companies that insure blown air bags. Auto insurance companies that don’t insure cars with blown air bags do so to prevent the risk of a repeated accident.
What are the auto insurance company air bag replacement costs?
According to the National Highway Traffic Safety Administration, air bags have helped save over 2,700 lives in 2017 alone.
After an accident, you may want to replace this vital safety feature in your car. However, the air bag replacement cost might be more than you expect.
Some report that the average cost to be around $700, while it could easily reach up to a couple thousand if multiple air bags had deployed.
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When do auto insurers consider a car a total loss?
As previously mentioned, an insurer will consider your car a total loss once the repair costs have gone above a certain percentage of the car’s value. At that point, the insurer will consider your vehicle a total loss.
Is a car considered totaled if the airbags deploy? If the airbags deploy, a car is not automatically considered totaled, although you won’t be permitted to insure or drive the vehicle until necessary repairs and an inspection are carried out. This process can be costly and may result in an extended period off the road.
Total Loss Percentages By State
Percentages for when a car is considered total loss will vary by state. This can range from 60% to 100%, with some states leaving it up to the insurance companies to estimate.
However, the average tends to stick around 75% or so for most states with a set percentage.
How To Appeal a Total Loss Declaration
Because insurance companies do their appraisals, you wouldn’t be faulted for wanting a second opinion.
However, if you’re not happy with your car being designated as totaled, you can hire an independent appraiser. They’ll be able to best assess the cost objectively.
Once your car is declared a total loss, you have a few options in how you can proceed. Depending on your insurance and state, you can:
- Get Repairs – You’ll likely have to foot the bill for these repairs, as your insurance has declared the car as salvage.
- Vehicle Inspection – You’ll have to ensure that your vehicle can pass specific regulations to get back on the road.
- Get a Salvage Title – While it won’t be the same as a regular title, it’ll allow you to get some coverage and back on the road.
These options mainly apply to those who want to keep their car after a total loss, as those who are reimbursed by their insurer can put that towards a new vehicle.
Read more: Buying Salvage-Title Auto Insurance: What You Need To Know
What You Need to Know About Auto Insurance Companies that Insure Blown Air Bags
If you’re looking to get insurance for your car after its air bags deployed, you can likely still find coverage as long as your car isn’t a total loss. If it was, you’ll probably have to get repairs and a salvage title before you can get it back on the road.
If you’re looking for quotes from auto insurance companies that insure cars with blown air bags, enter your ZIP code into our free quote tool.
Frequently Asked Questions
Can I get auto insurance for a car with blown airbags?
Yes, it is possible to find auto insurance for a car with blown airbags. However, the availability and terms of coverage may vary among insurance companies.
Are there any cheap auto insurance companies that provide coverage for cars with blown airbags?
While it can be challenging to find cheap auto insurance specifically for cars with blown airbags, some insurance companies may offer coverage at affordable rates. It is advisable to shop around and compare quotes from different insurers to find the best option for your needs.
Will the presence of blown airbags affect my auto insurance premiums?
Yes, the presence of blown airbags may affect your auto insurance premiums. Insurance companies consider various factors when determining premiums, including the condition and safety features of the vehicle. Blown airbags can be seen as a safety risk, which might lead to higher premiums.
Are there any limitations or exclusions with insurance for cars with blown airbags?
Yes, insurance policies for cars with blown airbags may come with limitations or exclusions. For example, certain insurers may provide coverage only for liability and not offer comprehensive or collision coverage. Additionally, they might exclude any claims related to airbag deployment or injuries caused by the absence of functional airbags. It is crucial to carefully review the policy terms and conditions to understand the coverage provided.
Can I get my airbags repaired or replaced after getting insurance for a car with blown airbags?
In most cases, insurance companies require the necessary repairs or replacements to be made before providing coverage. It is advisable to consult with your insurance provider to understand their specific requirements regarding blown airbags and repairs.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.