Does auto insurance cover air conditioning?

Does car insurance cover air conditioning? Under the right circumstances, and with the proper auto insurance coverage, it can. An insurer will help you with a broken air conditioning unit if you have collision coverage and the damage to your A/C unit was the result of an accident. Collision coverage rates, on average, run about $300 per payment. Find out 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: Feb 26, 2021

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Auto Air Conditioning Summary
Auto A/C FactsSource
Motor Vehicle Air Conditioning (MVAC) uses refrigeration to cool driver and passenger compartments.epa.gov
Servicing these systems is regulated under the Clean Air Act epa.gov
It is illegal for individuals to release refrigerants during service.epa.gov
Refrigerant must be properly recycled prior to recharging it into any MVAC system.epa.gov
Hydrocarbons are not approved for use in MVAC systems in accordance with the Clean Air Act. epa.gov
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Of the many things that can go wrong with your automobile, a busted air conditioning unit is likely among the most irritating. When you find yourself in this predicament, you may ask yourself, “Does car insurance cover air conditioning?”

We understand that having any sort of automobile breakdown is a pain. We will try to go through things step by step so you can find out how much help you’ll get from your insurer and the best auto insurance companies for you.

Before learning more about if car insurance covers air conditioning, please feel free to type in your ZIP code using our helpful tool above to find affordable car insurance rates in your area.

Today’s A/C Units & Insurance Coverage

As the country moves towards ensuring a cleaner environment, the Clean Air Act has been passed to guarantee that Motor Vehicle Air Conditioning (MVAC) systems are safer. This means not only that hydrocarbons will no longer be used in HVAC systems, but there are increased protocols in place to ensure that only certified service equipment is used and refrigerants that could damage the environment are not leaked.

This is equally important when you consider that such leakage could occur in the case of an accident. This is where insurance and air conditioning come into the picture. Top auto insurance companies may cover such damage if you have the proper coverage.

If you find yourself wondering, “How does car insurance work?“, you must understand that there are various forms. To help with this, we will now go into detail explaining auto insurance coverage types.

Firstly, there is Comprehensive Coverage. In short, this covers you in act of God situations such as falling branches, sleet, and other events beyond your control. Should one of these situations cause damage to your A/C unit, you may be able to have your insurance cover the costs of its repair.

Here’s a video further explaining Comprehensive Coverage.

Let’s take a look at Comprehensive Coverage averages for each state.

Average Annual U.S. Comprehensive Coverage Auto Insurance Rates
StatesAverage Annual Comprehensive Insurance Rates
Oklahoma$93.87
California$100.54
Georgia$101.56
Louisiana$104.98
Washington$106.38
Utah$109.50
Nevada$110.77
South Dakota$116.53
Hawaii$116.55
Nebraska$117.63
North Dakota$121.61
Illinois$122.06
Delaware$122.49
Vermont$125.48
Idaho$128.13
New Hampshire$131.35
Connecticut$131.62
Pennsylvania$132.19
Maryland$134.96
New York$136.08
Virginia$136.54
Wisconsin$136.81
Alaska$137.26
Kansas$141.39
Oregon$144.21
Tennessee$148.45
Maine$152.72
Massachusetts$154.85
Alabama$156.31
Florida$159.18
New Mexico$171.12
New Jersey$172.57
Colorado$174.61
Rhode Island$180.94
Mississippi$181.27
Indiana$183.53
Michigan$184.27
Arizona$186.12
Arkansas$190.41
West Virginia$204.28
Texas$206.42
Minnesota$210.33
Missouri$211.91
Kentucky$215.17
Ohio$225.84
Montana$229.25
North Carolina$231.04
District of Columbia$233.24
Wyoming$247.57
South Carolina$258.11
Iowa$267.91
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Secondly, there is Liability Coverage. This helps you pay for another driver’s expenses if you cause an accident. Although this may work out in the other driver’s favor if their A/C unit is damaged in the collision, you will not receive the same benefits.

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Here is a video further explaining Liability Coverage.

The following table contains the average state costs for Liability Coverage.

Average Annual U.S. Liability Auto Insurance Rates
STATESAverage 2015 RatesAverage 2014 RatesAverage 2013 RatesAverage 2012 RatesAverage 2011 RatesAverage Annual Rates
North Dakota$298.18$295.87$285.12$272.71$260.86$282.55
Iowa$299.18$294.97$291.24$290.46$290.86$293.34
South Dakota$300.22$297.38$289.39$281.04$277.16$289.04
Wyoming$321.04$335.59$323.25$316.53$320.47$323.38
Maine$338.87$336.70$333.69$332.07$328.25$333.92
Vermont$343.12$341.60$343.85$340.55$335.79$340.98
Idaho$344.29$348.12$339.50$326.00$327.96$337.17
Kansas$358.24$354.24$342.27$329.67$327.21$342.33
North Carolina$359.42$358.56$355.19$356.63$358.16$357.59
Nebraska$364.64$353.26$347.54$340.33$339.58$349.07
Wisconsin$374.37$367.00$354.57$346.74$356.54$359.84
Indiana$382.68$371.69$363.00$376.23$368.61$372.44
Montana$386.29$392.53$388.54$383.76$387.71$387.77
Arkansas$394.13$392.46$380.78$371.02$367.29$381.14
Alabama$394.21$381.98$372.44$359.88$354.35$372.57
Ohio$397.11$388.88$374.53$362.97$357.31$376.16
New Hampshire$400.56$395.51$391.92$390.72$387.51$393.24
Tennessee$413.91$409.79$400.64$387.40$376.90$397.73
Missouri$415.88$406.67$399.08$390.04$385.39$399.41
Virginia$425.61$427.94$415.86$401.50$394.70$413.12
Illinois$446.72$434.80$424.92$422.12$424.12$430.54
Minnesota$456.82$453.29$441.81$428.63$417.37$439.58
Hawaii$458.54$458.83$457.09$453.45$464.55$458.49
Mississippi$460.50$448.60$434.88$424.58$418.34$437.38
Oklahoma$461.01$458.72$443.88$428.09$416.16$441.57
New Mexico$488.03$484.62$464.51$441.11$432.78$462.21
California$489.66$478.71$463.56$443.41$439.39$462.95
West Virginia$491.83$505.40$506.60$503.05$500.31$501.44
Utah$497.53$486.87$465.62$454.35$451.94$471.26
Pennsylvania$499.06$496.87$497.28$495.22$486.66$495.02
Arizona$508.76$507.18$490.78$473.30$462.94$488.59
Colorado$520.04$500.72$473.68$449.65$441.41$477.10
South Carolina$527.09$510.04$495.96$485.30$469.12$497.50
Texas$528.75$516.26$496.68$477.18$473.31$498.44
Kentucky$529.21$523.10$522.34$516.40$503.52$518.91
Countrywide$538.73$530.01$517.88$503.28$492.03$516.39
Alaska$539.68$550.59$555.04$544.66$546.71$547.34
Georgia$557.38$516.63$485.40$454.76$439.02$490.64
Oregon$584.13$585.26$562.95$527.64$507.19$553.43
Washington$596.67$589.97$569.42$547.11$541.42$568.92
Massachusetts$606.04$598.71$589.38$578.75$565.87$587.75
Maryland$609.74$607.19$596.17$594.28$590.02$599.48
District of Columbia$628.82$629.25$634.70$624.34$623.34$628.09
Connecticut$650.94$642.95$635.62$626.47$613.77$633.95
Nevada$681.56$673.05$648.19$619.71$612.84$647.07
Rhode Island$759.80$739.87$719.53$702.52$678.60$720.06
Louisiana$775.83$750.23$723.93$698.21$687.56$727.15
Michigan$795.32$811.43$742.38$660.93$600.14$722.04
Delaware$799.30$795.35$783.30$759.04$745.53$776.50
New York$804.51$796.39$791.14$780.41$752.43$784.98
Florida$857.64$837.24$860.36$856.39$813.60$845.05
New Jersey$869.57$881.58$882.82$860.59$833.20$865.55
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Lastly, there is Collision Coverage. In this case, an insurer will only cover the cost of an air conditioning unit in the case of an accident. Standard wear and tear repairs, such as the end of an A/C unit’s life cycle, would not be covered.

Here is a video further explaining Collision Coverage.

Let’s take a look at the average Collision Coverage rates by state.

Average Annual U.S. Collision Auto Insurance Rates by State
StatesAverage Annual Collision
Auto Insurance Rates
South Dakota$200.10
Idaho$209.00
Iowa$207.10
Wisconsin$209.93
Oregon$212.47
Minnesota$214.02
Nebraska$223.50
North Dakota$227.44
Indiana$237.19
Maine$249.00
Kansas$251.46
South Carolina$247.62
Montana$254.90
Washington$250.13
Utah$254.41
Kentucky$255.33
Ohio$252.21
Missouri$259.65
New Mexico$267.48
Arizona$259.31
Wyoming$270.48
Virginia$264.70
Florida$251.30
Colorado$263.36
North Carolina$264.58
Vermont$278.38
Nevada$293.78
New Hampshire$281.70
Tennessee$290.39
Illinois$284.92
Hawaii$297.75
Alabama$299.10
Oklahoma$298.21
Delaware$296.60
Arkansas$304.87
Countrywide$299.73
Mississippi$302.96
Pennsylvania$307.31
West Virginia$319.10
Georgia$320.45
Alaska$360.18
Maryland$331.72
Connecticut$348.70
Texas$340.51
New Jersey$365.23
New York$358.45
Massachusetts$358.68
California$364.56
Rhode Island$377.06
Michigan$383.21
Louisiana$391.03
District of Columbia$449.27
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As you can see, the average payment rate for Collision Coverage is about $300. Should you get into an accident, it would stand to reason that a broken A/C unit would not be your only issue.

This should go to show just how important having coverage is.

If you are asking “Where can I find cheap auto insurance near me?”, we can help. Feel free to use our tool below to find affordable auto insurance quotes in your area by typing in your ZIP code.  You can compare multiple quotes for auto insurance that covers air conditioning.

If you have any more questions, please reference our following FAQ section.

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Frequently Asked Questions: Does auto insurance cover air conditioning?

Hopefully, we covered everything, but if not, feel free to check out other common questions below.

#1 – Does insurance cover brake pads?

There are no basic insurance plans that will cover a damaged brake pad.

#2 – Is air conditioning included in a car warranty?

Yes, all major vehicle systems are including in the car’s warranty.

#3 – Is a car A/C compressor covered under insurance?

Yes, as long as it was damaged in an accident.

#4 – Does car insurance cover mechanical problems?

No, a mechanical failure would not be covered by insurance.

#5 – Does insurance cover an A/C unit?

Yes, if it is damaged in an accident.

#6 – Should I cover my A/C?

Yes, this will keep out leaves, seeds, and other outside elements that may clog it.

#7 – Is Freon covered under a car warranty?

Yes, as long as it is defunct-related.

#8 – What is the difference between a car warranty and car insurance?

A car warranty exists to pay for mechanical breakdowns, whereas insurance is able to help in the case of an accident or act of God.

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