Auto Insurance Companies That Insure Cars With Blown Air Bags (2022)
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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UPDATED: Jun 3, 2022
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- Auto insurance companies will insure cars with blown airbags 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 airbags. 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 airbags, 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 airbags 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:
|Companies||Average Rates With a Clean Record||Average Rates With 1 speeding violation||Average Rates With 1 accident||Average Rates With 1 DUI|
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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 airbag 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 airbag 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 airbags. Auto insurance companies that don’t insure cars with blown airbags do so to prevent the risk of a repeated accident.
What are the auto insurance company airbag replacement costs?
According to the National Highway Traffic Safety Administration, airbags 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 airbag 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 airbags 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.
You won’t be allowed to insure or drive that vehicle until you get repairs and an inspection. This can cost quite a bit and will likely keep you off the road for some time. However, if the airbags deploy, the car isn’t automatically totaled.
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.
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 airbags 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 airbags, enter your ZIP code into our free quote tool.