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Does car insurance cover a new battery?

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The lowdown...
  • Batteries have a finite lifespan
  • Batteries are identified as normal wear and tear
  • If a battery is damaged in an accident, then insurance may cover it

There are various factors used to determine when a new battery is needed for a car. Often, a battery will go without any notice. If there are warning signs, you might miss them entirely.

The average battery has a lifespan of four years. However, this lifespan could be cut short if the battery has to operate within extreme hot or cold conditions.

You need to keep an eye on your battery when it starts to get to the four-year mark. Otherwise, the battery could die, and you could end up stranded.

The cost of a battery is between $75 and $200, depending on the make and model of the battery.

The premium ones are more, but they have a bit more power and might last a little longer, too. When you look at the cost of a battery on its own, it’s not worth it to try and have insurance pay for it because you would have to pay the deductible.

The average deductible on a policy is $500. It’s cheaper to pay for the battery on your own.

The only time it’s more cost effective for insurance to pay for a new battery is if there is other damage as well. If it’s just a dead battery, then it falls under normal wear and tear of your vehicle.

Worried about your car’s battery lifespan and want more coverage? Enter your ZIP code below and compare at least three to four policies today to find the best rates for you!

Is normal wear and tear covered?

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Normal wear and tear is not covered by your car insurance policy. Depending on the level of coverage you have, you could be covered against:

  • Property damage
  • Bodily injury
  • Medical payments
  • collisions,
  • Acts of nature
  • Vandalism, etc.

However, you cannot be covered against normal wear and tear.

There are a lot of things that could drain your battery, though none of them are covered by insurance. It is simply a part of owning a car that you have to deal with.

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Your car battery dying is similar to some of the other “wear and tear” you will experience, such as:

  • Tires
  • Brake pads
  • Oil changes
  • Spark plugs

Some manufacturer warranties might cover a new battery, especially if you have only had your car for a year or less. Some battery manufacturers might also provide a warranty of 12 months or longer on a new battery.

If you find that your battery has died quicker than you anticipated, you might want to explore a warranty claim to try and get a new battery without having to pay anything out-of-pocket.

Otherwise, the cost of replacing your battery is your responsibility. It is a part of being a car owner and one of the expenses you have to endure.

When would insurance cover a new battery?

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Some accidents are more severe than others. If you were to get into an accident with another car, various components of your car could be damaged, including the body, the engine, and even the battery.

You are required to have car insurance by the state. The minimum level of coverage will provide financial protection of car accidents, which could include a new battery if yours gets damaged.

The state will require you to have:

Your property damage liability is the specific coverage for a battery damaged in a car accident.

However, the insurance company only covers up to the limit you have specified in your policy. If you have $20,000 worth of coverage and $25,000 worth of damage, the remaining $5,000 would be your financial responsibility.

The average accident stays within the limits, which is how the state identifies the minimum levels to begin with. You can then choose to add above and beyond the limits for further protection.

In most instances, car insurance will not pay for a new battery.

However, if you have been involved in an accident and your battery was damaged, it is possible to file a claim. The cost of the new battery would be among the other repairs that need to be made to your car.

Did your car battery die recently and you want better coverage? Start comparison shopping today by entering your ZIP code below!

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