Is hail damage covered by car insurance?

Hail damage is covered by car insurance through comprehensive coverage. On average, you can pay as low as $13 a month for comprehensive car insurance. However, your rates depend on the state where you live. You can secure cheap hail damage auto insurance with the right company. Shop around and compare multiple companies to find the best hail damage coverage.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 20, 2021

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The Rundown

  • Liability and collision insurance don’t cover hail damage
  • Comprehensive car insurance pays for hail damage
  • You can get comprehensive coverage for as low as $13 a month

Did hail damage your vehicle? Fortunately, auto insurance companies across the nation can cover hail damage on your car.

But what insurance company has the best hail damage car insurance? How do you buy hail damage car insurance? Don’t worry — we’re here to help.

Our guide explores how car insurance companies cover hail damage and how you can secure affordable hail damage car insurance. We’ll also look at the average hail damage repair cost.

Read this guide to learn everything about how hail damage is covered. Enter your ZIP code in our online quote tool above to compare multiple insurance companies near you.

Is hail damage covered by car insurance?

It depends on the auto insurance policy. Comprehensive car insurance pays for hail damage.

Liability and collision coverage don’t cover damage from hail.

Comprehensive insurance pays for damages that aren’t related to collisions. Here’s a list of incidents that require comprehensive insurance.

  • Animal damage
  • Storm damage
  • Flooding
  • Fire damage
  • Civil unrest
  • Falling objects
  • Vehicle theft

Any unforeseen damage-causing incident besides a collision with another car is likely covered by comprehensive auto insurance.

Does comprehensive car insurance come with a deductible?

Yes, it does. Comprehensive insurance provides coverage regardless of fault, but you’ll need to pay a deductible. A higher comprehensive deductible will give you a lower monthly rate, but remember, you will have to pay the deductible before your auto insurance company pays anything on a claim.

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How much are hail damage car insurance rates?

Hail damage car insurance quotes are comprehensive car insurance quotes.

Comprehensive insurance quotes will be included in the price of your overall policy, which must include liability insurance as well, because almost every state requires this coverage.

If you are looking for hail damage car insurance costs, you should shop for comprehensive insurance rates.

According to the National Association of Insurance Commissioners (NAIC), comprehensive auto insurance is $13 a month on average. But how much does it cost in each state?

Let’s review.

NAIC's Average Monthly Comprehensive Car Insurance Rates by State
StatesAverage Monthly Comprehensive Rates
*Industry Average$13
District of Columbia$19
New Hampshire$9
New Jersey$11
New Mexico$15
New York$15
North Carolina$11
North Dakota$20
Rhode Island$11
South Carolina$16
South Dakota$24
West Virginia$18
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California and Hawaii are two of the cheapest states for comprehensive coverage. Meanwhile, South Dakota, Wyoming, and Texas are the most expensive states for comprehensive car insurance.

Can my car insurance rates go up after a hail damage claim?

It’s possible. Minor hail damage claims are less likely to drive up your overall auto insurance rates.

However, hail damage that causes significant, total loss damage can increase your rates after a claim.

What’s the average hail damage repair cost?

Hail damage repair cost varies for each body shop. But what is the average price for hail damage dents? Here are the average prices for hail damage.

  • $30 to $45 for small dents
  • $45 to $55 for moderate-sized dents
  • $75 or more for large dents

The cost of hail damage repair may be cheaper or more expensive in your area. Be sure to grab estimates from several body shops.

Insurance companies may give you some suggestions if you’re having a hard time finding a body shop.

Which U.S. states have the most hail storms per year?

According to the Insurance Information Institute, Texas, South Dakota, Kansas, Oklahoma, and Nebraska were the top five states with the most hail storms in 2020.

Texas also had the most hail storm claims in 2019, followed by Colorado, Nebraska, and Kansas.

How do I protect my car from hail damage?

You can avoid hail damage by parking in your garage or under a parking canopy. But if you don’t have those, you’ll have to get creative.

If you live in a state that’s known for hail storms, keep these items on hand to prevent damage to your car:

  • Moving blankets
  • Potting soil
  • Cardboard boxes
  • Weather covers

Moving blankets have fibers that prevent significant damage from hail. Use full, unopened bags of potting soil on your car to allow the soil to absorb the force of the hail.

Make sure the potting soil is sealed to prevent mud from getting all over your car.

Using heavy-duty cardboard can also protect your vehicle. And one of the best tools against hail damage is a weather cover for cars.

Does home insurance cover hail damage on a roof?

The answer is yes. Homeowners insurance pays for damage from weather, including hail damage.

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Hail Damage: The Bottom Line

Car insurance companies cover hail damage through comprehensive insurance. Liability and collision auto insurance won’t cover hail damage.

When you file a comprehensive car insurance claim for hail damage, you must pay a deductible.

Any vehicle littered with hailstone dents may be considered a total loss, but a few dents may be categorized as minor damage.

Before you buy car insurance for hail damage, use our free online quote tool to compare the best insurance companies in your area.

Frequently Asked Questions: Hail Damage

Do you have more questions about hail damage and car insurance? Let’s explore answers to frequently asked questions to learn more.

#1 – Is damage from hail worth fixing?

It depends on the extent of the damage. At least 80% of hail dents are fixable.

#2 – What’s considered hail damage?

If hail causes a dent that’s over one inch in diameter, it’s considered hail damage and you can file a comprehensive car insurance claim.

#3 – Can hail damage reduce the value of my car?

The short answer is yes. Any damage to a vehicle affects the car’s value.

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