Does auto insurance cover bullet holes?

Auto insurance covers bullet holes in your car if you have comprehensive coverage. Comprehensive car insurance rates, on average, are about $13 per month. While having bullet holes in your car isn't illegal, it doesn't look good, and affordable comprehensive car insurance covers bullet hole repair.

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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: Jun 5, 2021

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What You Should Know

  • Comprehensive auto insurance costs about $160/year and will cover bullet hole repairs
  • Minimum state requirements for auto insurance don’t include comprehensive coverage
  • Comprehensive insurance is optional but it could come in handy when you least expect it

You’re driving down the highway when you think you hear something hit the side of your car. When you get home, you realize it was a bullet, and now there’s a hole in your car. As soon as your mind stops racing about what could have happened, you wonder — does auto insurance cover bullet holes?

Understanding auto insurance means knowing how your coverage works. So are bullet holes covered by car insurance? The answer is yes — if you have comprehensive auto insurance. What is comprehensive insurance? Keep reading to learn more.

Want to find cheap comprehensive insurance whether or not you have the scary experience of finding bullet holes in your car? Enter your ZIP code above to get quotes right away.

Comprehensive Auto Insurance and Bullet Holes

There are different types of insurance for car repairs, or auto insurance coverage types. These include bodily injury, property damage, collision, and comprehensive. Many states require minimum levels of coverage for the first two or three of these so that if you get into an accident with another vehicle there are some means to pay for injuries and damage to the vehicles.

The table below shows the average annual comprehensive auto insurance rates in the United States.

Average Annual U.S. Comprehensive Auto Insurance Rates by State
StatesAverage Annual
Comprehensive Insurance Rates
Oregon$89.66
California$99.29
Hawaii$100.09
Maine$96.66
Washington$104.11
Utah$106.57
New Hampshire$103.03
Florida$110.12
Idaho$110.78
Nevada$116.79
Ohio$112.74
Indiana$115.02
Delaware$113.23
Vermont$118.31
Illinois$117.98
New Jersey$123.18
Connecticut$126.02
Rhode Island$122.17
Massachusetts$128.92
North Carolina$123.00
Virginia$129.89
Wisconsin$126.34
Alaska$141.08
Kentucky$130.15
Pennsylvania$132.01
Countrywide$138.87
Tennessee$135.62
Maryland$146.77
Michigan$147.02
Alabama$146.28
Georgia$153.61
New York$156.66
New Mexico$166.89
Colorado$158.34
South Carolina$165.38
Missouri$166.34
Iowa$171.58
Minnesota$173.04
Arizona$184.20
Arkansas$183.36
West Virginia$195.04
Texas$186.70
Mississippi$194.74
Montana$199.87
Louisiana$208.59
Oklahoma$201.56
Nebraska$206.24
North Dakota$227.64
District of Columbia$230.25
Wyoming$222.86
South Dakota$228.59
Kansas$230.65
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You can see from this table that it pays to live in certain states when it comes to buying comprehensive insurance. Comprehensive insurance covers things that are not collision-related. So if you want auto insurance that covers bullet damage, you need comprehensive.

What is comprehensive insurance vs collision?

Comprehensive auto insurance is intended to cover non-accident repairs to your vehicle. With comprehensive coverage, your auto insurance covers repairs for damages caused by extreme weather events, such as hail, flash flooding, or earthquakes, vandalism, and yes, even bullet holes in your car.

Collision insurance covers repairs to your vehicle resulting from a collision with another vehicle.

What does liability insurance cover?

There are two major categories of auto liability insurance:

  • Bodily injury liability is intended to cover medical expenses related to a vehicle collision.
  • Property damage liability covers the cost of repairing or replacing other people’s property, including their vehicle, when your vehicle is involved in a collision with that item.

By itself, comprehensive insurance isn’t full coverage, but when combined with the other coverage types it will help to protect your investment in your vehicle.

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Filing an Insurance Claim For Bullet Holes

If you do find a bullet hole in your car, you will want to file an insurance claim. This video from Allstate will give you an idea of what that entails.

There are a few things you’ll want to do if you find a bullet hole in your car and start thinking about getting the bullet damage repaired:

  • File a police report. This will help with showing your insurance company, and the police, that the bullet hole didn’t happen during the commission of a crime, which oftentimes is a situation that’s excluded from insurance coverage.
  • Know your policy’s deductible. Even if you file a claim, you’ll have to pay a deductible if you hit a deer, sustain hail damage, or get caught in the line of fire.
  • Get an estimate for the repair costs. Knowing how much it costs to fix a hole in a car door, for example, will help you determine if it’s worth it to pay out of pocket instead of going through insurance.
  • Decide whether to go through insurance about getting the car repaired for bullet holes. Leaving bullet holes in your car isn’t illegal, but it’s possible they could draw the attention of the police who might then want to question you.

Aside from the part about the police report, this is typically the process for how auto insurance repairs work.

Would you believe that in the U.S., according to Health Affairs, we spend nearly $3 billion each year treating gunshot wounds to people? Car repairs are something to think about, for sure, but if you and your family are unharmed, these repairs can become relatively unimportant.

Make sure you’re covered for even the most unexpected damage to your car, like bullet damage. Shop around and save right now – just enter your ZIP code below.

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Frequently Asked Questions: Does auto insurance cover bullet holes?

Read the below for the answers to some frequently asked questions about bullet holes and auto insurance.

#1 – What does a bullet hole in a car look like?

This Chicago news site shows a picture of a bullet hole in a car door following a shooting incident at a local high school.

#2 – Does full coverage auto insurance cover bullet holes?

Full coverage auto insurance is a term that is generally used to describe a policy that includes collision and comprehensive coverage in addition to liability. Since a full coverage policy includes comprehensive, it will cover bullet holes in your car. Fully comprehensive auto insurance covers a lot more than a basic policy.

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#3 – Will my auto insurance pay for repairs for a bullet hole in my windshield?

Most comprehensive policies will cover windshield repairs and replacements. Be sure to check with your insurance company about your specific coverage. The average cost of a windshield replacement for most cars is $225, which is probably less than your deductible anyway. Insurance companies will differ in coverage options, so Progressive glass coverage could be different than the coverage offered by other companies such as Geico or Allstate.

#4 – How do you fix a bullet hole in your car?

Depending on the amount of damage to your vehicle, and your vehicle’s age and general appearance, you might just need a simple windshield replacement or an exterior patch followed by a paint touch-up. How you cover bullet holes in a car could also depend on how much you’re willing to spend on the repair, your insurance coverage, or some combination of the two.

Also remember that bullets ricochet, or bounce around a lot, so it’s possible there could be other damage that you don’t see right away, particularly in the car’s interior, and especially if the repair is for a bullet hole in your car door.

#5 – Does auto insurance cover gunshots?

Yes — assuming that you have comprehensive insurance, were not involved in the commission of a crime, and the gunshots left bullet holes in your car.

#6 – Does home insurance cover bullet holes?

Your home insurance policy will cover damage to your home and personal property within your home, but it won’t cover damages to your vehicle.

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