Does car insurance cover rodent damage to a car?

If you have comprehensive coverage, car insurance may cover rodent damage to a car. Comprehensive coverage may cover damage to your vehicle caused by weather, vandalism, falling objects, and more. While it isn't required in most cases, comprehensive coverage may be a good investment. Keeping food out of your car and driving your car at least once a week will help deter rodents from making your car a home.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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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: Jul 16, 2021

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The Rundown

  • Comprehensive car insurance may cover rodent damage, but you should ask your insurance company to make sure
  • Comprehensive coverage is typically not required unless your vehicle is financed or leased, but it may be a good investment
  • You can prevent rodent damage to your car by driving your car regularly, parking in a sealed garage, getting rid of food sources, and deterring or catching rodents

Rodents can sometimes hide in cars and make nests or chew on wires, which can cause extensive damage to your car. Does car insurance cover rodent damage to a car? Let’s take a look at how you may be covered and how you can prevent rodent damage.

Does car insurance cover rodent damage to a car? Before learning more, enter your ZIP code into our free quote comparison tool above to find a comprehensive car insurance company that is right for you.

Does car insurance cover rodent damage to a car?

If you have comprehensive coverage, you may be covered for rodent damage. However, you should check with your specific policy to make sure.

What repairs does car insurance cover? Comprehensive coverage will generally cover repairs for damage caused by many different things, including weather, vandalism, falling objects, and more.

Does car insurance cover rodent damage at GEICO? GEICO is a popular car insurance company, and they may cover rodent damage. However, this may depend on your policy and the extent of the damage.

To learn more about this company, check out our GEICO car insurance review.

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How much is comprehensive car insurance?

Comprehensive car insurance rates will vary depending on many different factors, including age, gender, location, coverage limit, type of car, and more. Let’s take a look at some average rates by state:

Average Annual Rates for Comprehensive Coverage by State
StateAverage Annual Comprehensive Auto Insurance Rates
Alabama$146.28
Alaska$141.08
Arizona$184.20
Arkansas$183.36
California$99.29
Colorado$158.34
Connecticut$126.02
Delaware$113.23
District of Columbia$230.25
Florida$110.12
Georgia$153.61
Hawaii$100.09
Idaho$110.78
Illinois$117.98
Indiana$115.02
Iowa$171.58
Kansas$230.65
Kentucky$130.15
Louisiana$208.59
Maine$96.66
Maryland$146.77
Massachusetts$128.92
Michigan$147.02
Minnesota$173.04
Mississippi$194.74
Missouri$166.34
Montana$199.87
Nebraska$206.24
Nevada$116.79
New Hampshire$103.03
New Jersey$123.18
New Mexico$166.89
New York$156.66
North Carolina$123.00
North Dakota$227.64
Ohio$112.74
Oklahoma$201.56
Oregon$89.66
Pennsylvania$132.01
Rhode Island$122.17
South Carolina$165.38
South Dakota$228.59
Tennessee$135.62
Texas$186.70
Utah$106.57
Vermont$118.31
Virginia$129.89
Washington$104.11
West Virginia$195.04
Wisconsin$126.34
Wyoming$222.86
Countrywide$138.87
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Comprehensive coverage is not required by any states to drive legally, but it may be required for financed or leased vehicles. It can be a good investment for someone who wants to protect against a wide variety of potential vehicle damage.

How can I prevent rodent damage to my car?

There are a few different things you can do to prevent rodent damage to your car:

  • Don’t let your car sit too long. Driving your car even once a week will help discourage animals from nesting in your vehicle. You can also purchase a vehicle cover if you can’t drive your car.
  • Park in a sealed garage. A garage will make it more difficult for animals to find your car, but you should make sure to seal any holes.
  • Make sure there’s no food around. Try to keep pet food and other food sources away from your vehicle, and make sure your garbage cans are closed tightly.
  • Catch or deter the rodents. You could use a humane trap to catch the rodents and move them to a safer area. Deterrents, such as rodent tape or spray, could help keep them away.

Now that you know more about if car insurance covers rodent damage to a car, enter your ZIP code into our free quote comparison tool below.

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