Hit and Run Car Insurance Coverage

Does car insurance cover hit and run damage? Let's examine the steps to take in the wake of an accident.

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Hit and run car insurance

If you’ve been the victim of a hit and run car accident, you're familiar with the anger and confusion that follows. Unfortunately, these incidents are fairly common, so it’s important to understand the auto insurance implications of a hit and run. Let’s take a look at the steps to take to ensure your car insurance covers you in the wake of a hit and run.

Car insurance after a hit and run
  1. Does car insurance cover hit and runs?
  2. What to do after a hit and run
  3. Cheapest car insurance companies after a hit and run
  4. Methodology and additional information

Does car insurance cover hit and run incidents?

Car insurance does cover hit and run accidents, as long as you carry collision or uninsured property damage coverage. While these coverage options are not legally required, they’re fairly common. If your vehicle is leased or financed, you probably have this coverage by default.

While many insurance agents say collision and uninsured property damage coverages are identical, that's not always true.

Collision versus uninsured property damage coverage

Collision and uninsured property damage (UMPD) are designed to cover damage to your vehicle. Each comes with a deductible. However, the difference lies in the fault. In the case of an accident, collision coverage denotes fault to an insurance company. This is why you’ll often see a raise increase after filing a collision claim.

Car insurance rates after a collision claim:

Increase at 6 monthsIncrease at 12 monthsIncrease at 3 Years

By definition, UMPD covers you against the actions of an uninsured driver. Thus, you shouldn’t receive a substantial — more than a few percentage points — rate increase after filing a UMPD claim.

While your insurance agent might say collision and UMPD are basically the same, you should ask about the potential rate hike you would face after a UMPD claim vs. a collision claim to fully understand the difference.

What to do after a hit and run

For a step-by-step summary of what to do about insurance after a car accident, see our guide to filing an insurance claim. While there is a lot to consider, the big things to keep in mind after a hit and run include:

  • If the other driver flees the scene, call the police. A license plate number or vehicle description will be important.
  • Take photos of the accident and resulting damages.
  • Call your insurance company and provide pictures of damages and the police report.

Being victimized in a hit and run can be a nightmare. Your car insurance after a hit and run should be a steady and reliable source of protection.

Cheapest hit and run car insurance coverage

If you’ve been charged with committing a hit and run violation, your car insurance premium is bound to rise. Leaving the scene of an accident is the most expensive violation you can receive. On average, your premium will increase by about 48%. Considering most insurance companies will charge you for three to five years after a serious violation, you could end up paying a penalty of between $3,654 and $6,090 in additional premiums alone.

Below are estimated car insurance rates for a driver with a hit and run on his or her record.

CompanyAverage Premium after a Hit and Run
Safe Auto$3,251
State Farm$2,513
Liberty Mutual$2,404

Getting car insurance after committing a hit and run will be very expensive — even pricier than being charged with an at-fault accident. Below are rates from the same insurance companies after an at-fault accident.

CompanyAverage after At-Fault AccidentDifference from Hit and Run
Liberty Mutual$2,127-$278
State Farm$2,137-$376

Additional information

Car insurance after a hit and run can be a difficult process. Talk to your insurance company and understand your coverage options. If you have uninsured motorist property damage coverage, use it. While this will come with a deductible, the rate increase will cost less than a collision claim. If your insurance company does increase your rate significantly after a hit and run claim, you should consider shopping around for car insurance. You shouldn’t be paying for a claim you did not cause.

If you have a hit and run conviction on your car insurance record, this will be one of the most expensive tickets you can receive. On average, your insurance premium will increase by about 50%. Your best option for finding cheap insurance going forward will be to shop around. Enter your zip code below to see insurance rates designed for your record.

Compare rates from leading insurance companies!

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Additional resources

  • What to expect: filing a claim after an accident
  • What is uninsured motorist coverage
  • Best cheap car insurance with accidents and violations

  • Methodology

    Between September and December 2017, The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States zip codes, averaged by state, including Washington, DC.

    Analysis used a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision. For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.

    National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.

    For vehicle make and model data, analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales according to Goodcarbadcar.net’s automakers’ data.

    Rate data may vary slightly throughout report based on rounding.

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