Does auto insurance cover engine failure?

Auto insurance covers engine failure if you have mechanical breakdown insurance (MBI). Coverage by your car insurance for engine failure depends on the circumstances of how the engine was damaged. Engine failure insurance costs $100 per month. However, you may pay more depending on the company. If your vehicle has a warranty, you may able to skip engine failure auto insurance altogether.

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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

  • Engine failure car insurance is another way of saying mechanical breakdown insurance (MBI) or engine insurance coverage.
  • Your car insurance company will not cover engine failure outside of an accident.
  • If you have engine failure after an accident but only have liability coverage, you may not be compensated for damages.

Does auto insurance cover engine failure? Engine failure is not covered by liability car insurance, collision coverage, or comprehensive coverage unless it’s related to a covered claim. However, there’s auto insurance coverage that can help you with engine failure even if you weren’t in an accident.

Continue reading through this article to learn how you can buy engine failure auto insurance from your insurance company. Also, we’ll explain how some companies offer mechanical breakdown insurance.

Start looking for affordable engine failure auto insurance options in your area by entering your ZIP code in the FREE comparison tool above. We’ll provide quotes for auto insurance that covers engine failure.

Does auto insurance cover engine failure?

Car insurance companies will only cover engine failure if the engine is damaged in an accident or fails because you were in an accident. However, you’ll need collision coverage to receive compensation if you were at fault.

Collision auto insurance pays for property damage to your vehicle regardless of who’s at fault.

Liability auto insurance pays for damages you caused to another party. If you’re not at fault, the other party’s auto insurance company will pay for the damage up to its coverage limits.

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What does auto insurance cover?

Auto insurance covers any damage to your vehicle and pays for bodily injuries. It’s important to know what coverages do. Some car insurance coverages will cover the other person’s injuries and property damage, but not yours. There are other auto insurance options that are specifically for non-collision incidents.

Anything on your vehicle that’s damaged from an accident, including an engine, could be covered by car insurance. It all depends on fault.

Coverages like Personal Injury Protection (PIP) and Medical Payments (MedPay) will pay for injuries and medical bills regardless of fault. Comprehensive car insurance pays for incidents that don’t involve collisions, such as fire, flooding, vehicle theft, and falling objects.

Does auto insurance cover non-accident repairs?

What damage does car insurance not cover? Auto insurance won’t cover wear-and-tear damage. However, you can receive compensation for vandalism, but you need comprehensive coverage to receive compensation. According to the National Association of Insurance Commissioners (NAIC), you won’t be covered for damage resulting from poor maintenance or damage that happens over time.

Sudden repairs are often covered by mechanical breakdown insurance.

Mechanical breakdown insurance is insurance coverage that will help you if your vehicle breaks down. Various insurance companies define this differently, some just call it roadside assistance.

Watch this video on Geico’s explanation of mechanical breakdown insurance.

There are companies that offer insurance that will help you with repairs from a sudden engine failure. Here’s a list of companies that provide mechanical breakdown insurance.

Best Companies with Mechanical Breakdown Insurance (MBI)
CompaniesMBI Car Insurance DeductibleBest For
GEICO$250Good overall service
Endurance (VSC)N/ACheapest MBI
CarchexN/AGood overall customer service
MercuryUp to $500Best of MBI claims
AAA$100Good for roadside service
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Geico is the biggest company on the list with mechanical breakdown insurance. Does Progressive cover engine failure? We searched, but the closest thing to MBI at Progressive is roadside assistance.

Outside of auto insurance companies, you can find a stand-alone MBI insurance, which has an average cost of $100 per month. The cost for each MBI company varies, so do your research before making a final decision.

What engine failure won’t auto insurance cover?

Before we move on to the next section, let’s review what insurance coverage won’t pay for:

  • New filters
  • Adding coolant, oil, wiper fluid, etc.
  • New spark plugs
  • Major repairs listed as standard maintenance
  • New brake pads
  • Tire installation and replacement

Standard car insurance policies won’t pay for these, but there is coverage for damage to tire rims and axles if it’s caused by an accident.

Find standard engine failure auto insurance quotes in your area by entering your ZIP code.

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Engine Failure on a Leased Car

When a leased car has an engine failure, there’s a level of protection on the vehicle called a vehicle warranty. The majority of leased vehicles are protected under a manufacturer’s warranty or dealership warranty. Instead of an insurance company covering for engine failure, your car repairs are taken care of by the manufacturer or the dealer that holds your warranty.

Used cars that are leased with no warranty or sold as-is may not carry a warranty. This will leave you with repair costs unless you have mechanical breakdown insurance or some car repair assistance service.

According to the Bureau of Automotive Repair (BAR), people who have trouble paying for car repairs in California can apply to the Consumer Assistance Program (CAP) to get financial help. Check your local listings for services in your state.

Engine Failure Auto Insurance: The Bottom Line

You can only receive coverage for engine failure if the engine is damaged in an accident that’s not your fault. If you’re at fault, be sure to have collision auto insurance as part of your policy before the accident. It’s recommended that you carry collision and comprehensive coverage along with the minimum requirements for auto insurance.

Adding collision and comprehensive will make it a full coverage auto insurance policy.

Mechanical breakdown insurance helps when your dealership doesn’t have a warranty on a used car you’re leasing. The moment a sudden breakdown happens, you can use your engine insurance coverage to help with repairs. However, you may have a deductible. Talk with your MBI provider to make sure you understand everything about your policy.

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Frequently Asked Questions: Engine Failure Auto Insurance

Did we miss something? In case we did, we’ll answer a few frequently asked questions that appear on search engines across the internet. If you want to compare rates for auto insurance that covers engine failure in your area, enter your ZIP code in the FREE comparison tool below.

#1 – Will auto insurance cover a blown engine?

It depends. Auto insurance companies wouldn’t cover a blown engine if it weren’t damaged in an accident.

#2 – Does insurance cover a bad engine?

No. You will be responsible for making payments to repair a bad engine that wasn’t damaged under the conditions of an accident.

#3 – How can I tell if my engine is blown?

A blown engine causes white exhaust, blue exhaust, coolant leakage into the engine oil, an engine that won’t start, a blown head gasket, or a hole in the engine.

#4 – Does GAP insurance cover engine failure?

No, GAP insurance doesn’t cover engine failure.

#5 – Can a car be totaled due to mechanical failure?

From a car insurance company, no. Most mechanical failures can be repaired if the car isn’t damaged beyond repair. If the vehicle wasn’t damaged in an accident, you’ll be responsible for the cost of the repairs. If the mechanical failure is the result of a mistake made by an auto repair shop, their insurance should pay for the damage.



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