Does auto insurance cover a clutch replacement?

Does auto insurance cover a clutch replacement? If it is due to normal wear and tear, which is common, no. If your clutch is damaged in an accident you can at least get some financial help with collision coverage. The average cost for collision coverage is $323 annually, but you may want to buy more.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 2, 2021

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What You Should Know

  • Clutch damage is usually due to wear and tear.
  • If your clutch is damaged in an accident, your insurer may be able to help you.
  • You will need collision coverage, and you may want to purchase more than the minimum required amount.

You’re driving down the interstate and your engine begins revving higher than you’re accustomed to. Something feels off, and the ensuing burning smell confirms your worst suspicion: your clutch is failing. You naturally ask, “Does auto insurance cover a clutch replacement?”

We recognize that auto insurance can be a lot to comprehend. We will go step-by-step through this process, including going through your insurance company to get repairs done. Until then, get a good start on finding the right insurer for you by typing your ZIP code into our helpful tool above. You may even be able to find auto insurance that will cover a clutch.

Average Clutch Replacement Cost

How much does a clutch replacement cost? Unfortunately, it is far from cheap. On average, you can expect to pay between $1,200 and $1,400 for a clutch repair. Furthermore, clutch damage is fairly standard, as these issues typically arise from normal wear and tear.

However, there are ways to tell if your clutch is going bad. If your clutch is stuck, pulsating, or feeling loose, take action immediately. According to the Federal Trade Commission, a chemical odor is another tell-tale sign that there is an issue. The following video further describes how to tell if your clutch is failing. If you can catch it in time, you may be able to reduce clutch repair costs.

 

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Does auto insurance cover clutch replacement?

Wondering if auto insurance covers routine maintenance? Unfortunately, your insurer will not help you with repairs brought on by standard wear and tear. However, they will most likely help if your clutch is damaged in an accident.

To mitigate the cost of replacement clutches or clutch replacement parts, you’ll need collision coverage. Should you be asking, “How much auto coverage do I need, and what’s the cost?”, here is a table with average rates for collision insurance.

Average Annual Auto Insurance Rates by Coverage Type
Coverage TypesAverage Annual Rates
Comprehensive$148
Collision$323
Liability$538
Commercial$900-$1,700
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The average annual cost for collision coverage is $323. Considering the costs of potential clutch replacements and other parts of your vehicle that may be damaged in a collision, this is a price well worth paying.

Although the low $323 price tag may seem appealing, it might not be enough. All insurers offer you the chance to purchase more than your state’s minimum required amount, and it is usually in your best interest to do so. Should your vehicle sustain significant damage in an accident, you will not regret your decision to carry substantial coverage.

Find an insurer who will cover an accident-induced clutch replacement by typing your ZIP code into our free, helpful tool below.

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Frequently Asked Questions: Does auto insurance cover a clutch replacement?

#1. What does auto insurance not cover?

Most forms of auto insurance will not cover mechanical breakdowns, tire damage, items stolen from your vehicle, or the cost of a rental automobile.

#2. Is a headlight covered in insurance?

Similarly to your vehicle’s clutch, headlights may be covered if they are damaged in an accident and you have collision insurance.

#3. Does auto insurance cover mechanical problems?

Most likely not, although a typical policy will cover mechanical damage brought on by an accident.

#4. Does auto insurance cover non-accident repairs?

Collision and comprehensive coverage will help pay for repairs to your damaged vehicle after an accident or natural disaster, but not from standard wear and tear damage.

#5. Can I claim on my auto insurance if my engine blows up?

Most likely not, as this will often be seen as a wear and tear issue.

#6. Is transmission repair covered by insurance?

Even if your transmission is faulty or if the damage is not your fault, it will most likely not be covered by your insurer.

#7. Do I have to pay a deductible for the other person’s automobile?

You will only have to pay the deductible for your own vehicle if you are at fault in an accident, at least in an at-fault state.

#8. What is a clutch and what does the clutch do?

The clutch is the device that transfers the rotational power from the engine to the wheels in a manual vehicle.

#9. How long does a clutch last?

In general, a clutch usually lasts about 60,000 miles.

#10. Does insurance cover the clutch in a manual vehicle?

No matter the type of vehicle you drive, insurance will only cover the cost of a clutch replacement or clutch repair if it is damaged in an accident.

References:
  1. https://www.consumer.ftc.gov/articles/0211-auto-repair-basics

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