Does auto insurance cover bumper damage?

Auto insurance will cover bumper damage if you have the right coverage. Collision insurance covers your bumper in an accident, and comprehensive insurance covers bumper damage from anything other than an accident. The average cost of full coverage auto insurance is $94/month. Plastic bumper repair cost may be below your deductible, so get an estimate before filing a claim.

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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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What You Should Know

  • Bumper damage can be caused by many different things.
  • Bumper damage may be covered by comprehensive or collision insurance.
  • There are many factors that determine whether insurance will cover bumper damage.

There are many things that can cause damage to your bumper. Damage can range from small scratches to your bumper falling off completely. This can leave many drivers wondering, “Does auto insurance cover bumper damage?” Or, “How much does it cost to fix a bumper that is falling off?”

If the damages were caused by an accident where another driver was at fault, it would be their insurance company’s responsibility to cover the damages. However, if the accident is your fault, specific types of insurance would be needed to cover the damage. Understanding auto insurance coverage options will ensure you have the right coverage when you need it. Coverage that usually takes care of bumper damage includes collision coverage and comprehensive auto insurance, both of which are not usually included in basic auto insurance policies.

Before learning more about if auto insurance covers bumper damage, compare insurance rates online with our easy-to-use tool. Enter your ZIP code for cheap full coverage insurance rates.

How Comprehensive and Collision Insurance Cover Bumper Damage

The coverage you need to cover bumper damage depends on the factors surrounding the damage. Did you accidentally rear-end someone? Was your bumper struck by a falling object? These are things you’d need to discuss with your insurance agent.

Collision coverage insurance covers damages caused when your vehicle collides with an object or another vehicle and the accident is your fault. You may be wondering, “Should I file an insurance claim for bumper damage?” If the accident was not your fault, the other driver’s insurance company will be responsible for damages. If you’re at fault, your insurance company will likely already be involved to pay the other driver for the damage you caused.

If there’s no other driver involved, it’s up to you if you wish to file a claim. Is it ever worth it to pay out-of-pocket instead of going through insurance? Sometimes, since most insurance companies will charge a deductible before they cover any damages. If the deductible is higher than the cost to repair, there’s no point in filing a claim.

Comprehensive auto insurance can cover bumper damages that were caused by vandalism, inclement weather, theft, and more. Learn more about comprehensive and collision insurance with the video below.

Comprehensive and collision coverage aren’t usually included in most basic auto insurance policies and will likely result in additional fees if added to your policy. Collision repair cost examples can depend on many factors.

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Finding Comprehensive and Collision Insurance

Most insurance companies, including Geico and Progressive, offer both comprehensive and collision as additional types of coverage. It is best to contact a specific insurance company to ask about its comprehensive and collision insurance rates. To learn more about Geico in particular, read our Geico car insurance review.

Check out the chart below for information on average insurance rates nationwide.

U.S. Average Annual Auto Insurance Rates
YearAnnual Liability Auto Insurance RatesAnnual Collision Auto Insurance RatesAnnual Comprehensive Auto Insurance RatesAnnual Full Coverage Auto Insurance Rates
2017$611.12$363.08$159.72$1,133.92
2016$571.68$341.91$152.49$1009.38
2015$542.93$323.21$147.73$1,013.87
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Full coverage auto insurance is more expensive, but protects your vehicle and is well worth the added cost when it’s needed.

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What if you don’t know what caused the bumper damage?

You could wake up one morning, find a dent on your bumper, and have absolutely no idea where it came from. In situations like this, it’s best to document everything you can. You may want to take pictures as well. Contact your auto insurance company and explain the situation. Your agent will be your best resource in determining whether the damage could be covered or not.

If for any reason, your insurance won’t cover the bumper damages, or you simply would rather not pay a deductible, there is always the option of paying for the repairs out-of-pocket. Read about paying for bumper repairs without insurance in the section below.

Bumper Repair Costs Without Insurance

How much does it cost to fix bumper damage? How much a damaged bumper costs depends on many things, including how bad the damage is and the type of bumper you have. It also depends on the auto shop you visit. CarMD has stats on the average auto repair costs in the country.

You may also be wondering, “How much does it cost to fix a scratched bumper?” For scratched bumpers, there are options that don’t involve taking your car to a repair shop, including purchasing an at-home scratch removal kit.

Scratch repairs, like dent repairs, can differ greatly in cost. It’s best to contact a trustworthy auto repair shop in your area for the best estimates. This is the same when determining plastic bumper repair costs or bumper scuff repair costs. A good repair shop will help you answer the question, “How much does it cost to fix a scratch on a car bumper?”

There are websites that offer dent repair cost estimates, but it is best to do your own research and call several reputable body shops.

So, does car insurance cover bumper damage? As you can see, there are many determining factors when it comes to your insurance covering bumper damage. The best thing you can do is contact your insurance company and help them determine your best course of action.

Now that you how and when auto insurance covers bumper damage, compare insurance rates using our tool.

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Frequently Asked Questions: Does auto insurance cover bumper damage?

Still have some questions about bumper repair insurance? Read on for more answers.

1. How much will my insurance go up after bumper damage?

This can depend on many factors, including your insurance company and the amount of damage. You may also want to ask your insurance company about a car door replacement cost estimator, front bumper replacement cost estimate, or another type of cost estimator.

2. Does a car warranty cover accidental damage?

Accidental damage is usually not covered by a car’s warranty, so comprehensive and collision insurance is still your best bet.

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