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Car insurance and hail

 

Depending on the size of the storm, hail damage can range from a few dents on the hood to a total loss. Rest assured: if your vehicle is damaged by hail, your comprehensive coverage will cover the damages. This policy feature — usually paired with collision coverage — is designed to protect against weather-related threats. Let’s explore the ins and outs of hail damage and car insurance as well as how to ensure you have the best rate after filing a claim.

Key Takeaways:
  • Comprehensive insurance coverage will cover costs from things like weather events, animal damage or vandalism
  • Rates depend on the value of your vehicle and the deductible you have on your policy - the higher the deductible, the lower the rate
  • Before filing a claim for hail damage, consider if the cost to repair is more than your deductible or if you have lease requirements
  • Rates will generally rise after an insurance claim, but a comprehensive claim will be a smaller increase than a collision or liability claim

Hail and comprehensive coverage

 

Comprehensive coverage will cover costs from hail damage, as long as the policy was valid prior to the damage occurring. Comprehensive coverage is designed to fill the coverage gaps left by collision coverage. While liability insurance protects other people and property from damage you cause, and collision protects your vehicle, comprehensive covers damage that occurs outside of a collision, including:

insurance coverage
  • Damage caused by animals
  • Lightning
  • Weather-related events such as flooding and fire
  • Hail
 

These rules don't vary much by car insurance company or by state. If you carry an insurance policy with GEICO in California and your cousin has Allstate in Texas, you both would have the same coverage against hail (as long as you both have comprehensive coverage).

Like collision coverage, comprehensive coverage has a deductible. The deductible amount may depend on your individual circumstances.


How much does car insurance for hail cost?

 

The price of comprehensive coverage will depend on the value of your vehicle, as that is what your insurance company would need to pay to replace it. We created estimates based on generic insurance rates to provide some directional guidance when shopping for hail coverage. The tables below show average rates from top companies for full coverage auto insurance with both a $500 deductible, as well as a $1,000 deductible. 

Average Full Coverage Rates with a $500 Deductible
Company Avg. Annual Premium Avg. Monthly Premium
USAA $1,365 $114
Nationwide $1,476 $123
GEICO $1,542 $129
State Farm $1,569 $131
Farmers $1,786 $149
Progressive $1,886 $157
Allstate $2,413 $201
Updated: 10/04/22.
Average Full Coverage Rates with a $1,000 Deductible
Company Avg. Annual Premium Avg. Monthly Premium
USAA $1,189 $99
Nationwide $1,343 $112
GEICO $1,348 $112
State Farm $1,457 $121
Farmers $1,616 $135
Progressive $1,668 $139
Allstate $2,118 $177
Updated: 10/04/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.

With a standard $500 deductible and looking at these seven companies, comprehensive coverage would set you back an average of $1,719 annually. If you qualify, USAA offers the cheapest premium for our user profile. With a $1,000 deductible, your average would be around $1,534 annually.  Remember, the higher your deductible, the lower your rate - the two numbers are inversely related. If you're looking for a fairly simple way to lower your rates then consider raising your deductible. 

money key

By raising your deductible, you can lower your rate - the two are inversely related.


Compare rates from different companies and save on comprehensive auto insurance.

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Should you file a car insurance claim for hail damage?

 

This can be a tricky question to answer. Before taking this step, ask yourself the following questions.

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Does the value of the damage exceed your deductible?

This one is pretty straightforward. In order to file a claim for hail damage, the damage must be greater than your deductible. Sometimes, it will be quite obvious but if you’re unsure, get an estimate for the repairs at a body shop.

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Are you planning on re-selling your vehicle?

If you own your vehicle and are planning to resell it down the line in order to purchase another vehicle, it might be in your interest to repair the hail damage.

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Are you leasing or financing?

If you’re leasing the vehicle, you’re absolutely going to have to get the damage repaired. A lease is basically a long-term rental agreement, in which you’re required by your lease to return the vehicle in near-perfect condition. If you’re financing the car, you also might be required to keep the vehicle in good condition. Check your financing agreement to be sure.


Will a hail claim increase your insurance rates?

Most insurance companies tend to treat weather incidents such as hail as not-at-fault accidents. While a collision claim is generally seen as the fault of the driver and can be very costly, a comprehensive claim probably won't be as expensive.

A comprehensive claim will increase car insurance premiums by an average of $98 per year.

Accident/Violation Avg. Monthly Premium Avg. Annual Premium
None $147 $1,759
One comp claim $154 $1,849
Two comp claims $161 $1,936
Updated: 10/04/22.

A car insurance company will typically raise rates for a three-year period following a violation or claim.

It's also worth considering rate revisions. Rate revisions occur when an insurance company uses the previous year’s loss report to price its future premiums. If the previous year had a substantial number of claims payouts — common after storms — you can expect future premiums to be higher to account for the loss.

If you experience an unusually high rate spike after filing a hail car insurance claim, consider that a good opportunity to assess other insurance options. If you didn’t file a hail claim but are experiencing the negative effects of a rate revision, this is another good time to shop around. While nearly every insurance company does rate revisions, the amount varies. Enter your zip code below to see how much you could be saving.

 

A car insurance company will typically raise rates for a three-year period following a violation or claim.

Find affordable comprehensive coverage today.

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RECENT QUESTIONS

What coverage do I need if I hit a deer?

Normally when you are driving and hit something in the road then the damage would be covered under collision. However, hitting a deer (or any other animal) is considered a comprehensive claim since it is an unexpected variable and falls under the category of an "act of god," much like hail damage or vandalism.
Feb 18, 2016 Bryan, TX

Will insurance cover a leak in my car's sunroof?

Insurance will only cover things that are a result of a loss. So if the leak in the sunroof was caused by a covered peril — like damage from bad weather — this would count towards a comprehensive claim.
Nov 20, 2019 Oviedo, FL

Does comp coverage cover mechanical damage due to cold weather?

Unfortunately, mechanical breakdown is usually one of the things that is usually excluded from most automobile coverages - including comprehensive. You can double-check with your insurance company to see if you have coverage, but "typical" auto insurance policies do not provide that type of coverage.
Jan 5, 2018 Denver, Colorado

Does my comprehensive claim affect my car insurance?

This type of claim would actually be considered a collision claim. Although to answer your original question, a comprehensive claim wouldn't have as much of an effect on your premium as a collision claim would.
Apr 13, 2018 Columbus, Ohio

Ava Lynch photo
Ava LynchSenior Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one of The Zebra's property and casualty insurance experts.

Ava’s insurance career began as an agent with Farmers Insurance. Over the years, she has become an authority in all things property and casualty insurance, helping her to write informative guides for shoppers.

Ava’s work has been cited in publications such as InvestopediaThe BalanceMoney.comLiberty Mutual, U.S. News & World Report, GasBuddy, Car and Driver and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.