Does auto insurance cover a dead battery?

Auto insurance does not cover a dead battery in most cases. If you wake up to find your car battery dead in your driveway, then you are on your own unless the dead battery is covered under warranty. The good news is that dead battery replacement usually costs between $50-$200, which is less than your insurance deductible. Roadside assistance can help you with a jumpstart or tow to have your battery replaced.

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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: Mar 2, 2021

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A Concise Overview

  • In most cases, your auto insurance won’t cover a dead battery.
  • A dead battery is considered normal wear since batteries only last a few years.
  • It would be cheaper to purchase a new battery than pay your car insurance deductible.

At some point, you’ll try to start your car and discover that your battery is dead. You may wonder, “Does auto insurance cover a dead battery?” Sadly, the answer is no. Most auto insurance coverages won’t help with a dead battery unless it’s caused by an accident. Car insurance won’t cover normal wear and tear damage, like oil changes or battery replacements.

Purchasing comprehensive coverage and roadside assistance won’t help pay for a new battery, but they can offer you a jumpstart or tow.

While you can’t buy dead battery auto insurance, you can shop around for the best prices on car insurance coverage. Enter your ZIP code to compare quotes for auto insurance with roadside assistance that can help you out if you have a dead battery.

Auto Insurance Doesn’t Cover Dead Batteries

So, does car insurance cover a dead battery? Unfortunately, car battery insurance isn’t available. In most situations, car insurance doesn’t cover car battery replacement when yours goes bad.

Is a dead battery covered under warranty? Generally, batteries are covered under the new car warranty when you purchase a car, but the timeframe is limited. You won’t be able to claim it under your warranty for more than a year or so. The battery itself may have a manufacturer’s warranty.

Kelley Blue Book recommends getting your battery checked every year since they only last a few years. You should plan to replace your battery every three years or so.

However, there are a couple of situations in which insurance would cover your battery. This is when collision or comprehensive coverage would come into play. Collision insurance would replace a battery is if it damaged in an accident that is deemed to be your fault.

Is car battery theft covered by insurance? Yes; if you have comprehensive coverage, the theft of your vehicle or its parts would be covered by insurance.

Let’s take a look at the difference in cost if you add collision and comprehensive coverages to your policy. This table breaks down the average annual cost of auto insurance by coverage type.

Average Annual Auto Insurance Rates Based on Coverage Type
Insurance CompaniesAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage Annual Rates for High Coverage
State Farm$3,055.40$3,269.80$3,454.80
American Family$3,368.49$3,544.37$3,416.40
Liberty Mutual$5,805.75$6,058.57$6,356.04
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Full coverage auto insurance will cost you about $345 a month. That’s only a difference of about $30 a month to have added coverage.

You might be surprised to learn what your auto insurance doesn’t cover. Watch this video for a more detailed description of what is and isn’t covered by your car insurance.

Now that you know what isn’t covered by auto insurance, you can make plans for how to budget for those items that will need to be taken care of, like car battery replacement.

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Roadside Assistance for a Dead Battery

Do you need to replace a dead car battery? Eventually, yes the battery will need to be replaced, but you might get away with a jumpstart for a little while.

How much does it cost to fix a dead car battery? Given that they can’t really be repaired, you will simply need to replace yours if it has died.

Even if your auto insurance covered replacing a dead battery, it might not be worth it. The cost of replacing a battery ranges from around $50-$200. You would still have to pay your car insurance deductible, and the typical deductibles are much higher than replacement costs.

Many auto insurance companies offer roadside assistance as an add-on to your current policy, but that doesn’t mean that they will replace your battery. For example, Geico offers roadside assistance, but does Geico cover battery replacement? No, Geico battery replacement doesn’t exist. Dead battery auto insurance quotes will be those that offer roadside assistance, the closest thing you can get, and usually very affordable dead battery auto insurance.

There is no dead battery auto insurance company out there, but there are companies that specialize in roadside assistance, and some may even include some coverage for battery replacement.

Adding roadside assistance to your auto insurance might be your best and cheapest bet. Not only will it help with situations like running out of gas, but it will also get you a jumpstart or a tow to have your dead battery replaced.

Compare roadside assistance for a dead battery auto insurance rates to get the best deal around. Enter your ZIP code to get quotes for car insurance that can help with a dead battery.



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