Does Auto Insurance Cover Engine Failure?

Auto insurance covers engine failure only when the engine damage is related to a covered claim. Comprehensive covers engine failure if the damage is from car fire, vandalism, or weather, while collision will only cover engine damage from an accident. Mechanical breakdown insurance can cover engine failure and is available from some car insurance companies.

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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: Aug 18, 2021

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What You Should Know

  • Insurance usually only covers repairs caused by accidents.
  • Comprehensive and collision coverage can cover engine failure in some cases.
  • There are other engine failure coverage options available.

One of the most annoying things that can happen with your vehicle is the engine stops working and you are unable to go anywhere or your engine stops working while you are driving, leaving you stranded on the side of the road. This is why it’s always good to have roadside assistance, but how does car insurance work? Does auto insurance cover engine failure? Does insurance cover if your engine blows? Understanding auto insurance and what it covers is important.

The simple answer to the questions above is that a car insurance policy will likely not cover a mechanical issue, of which an engine failure is usually considered. However, there are additional car insurance coverage options that will cover some types of engine failure. For example, collision insurance may cover mechanical failures that resulted from a collision. Comprehensive coverage will cover engine failure in some cases as well.

Before learning more about how and when an auto insurance policy covers engine failure, use our helpful tool to compare rates near you. Enter your ZIP code now.

Engine Failure and Auto Insurance

So, does car insurance cover engine failure? Well, there are several things that can occur when your engine begins to fail. Sometimes, the engine will just turn off completely and you may lose control of power steering. This kind of situation can be terrifying, especially if it occurs on a busy road. However, it is always important to stay calm. Try your best to steer to the side of the road, or another safe spot, and park. Then, contact roadside assistance.

There is a multitude of things that can cause engine failure in your vehicle, including the neglect of proper maintenance, oil leaks, cooling system failure, flooding, and many more. This is why it’s important to frequently bring your vehicle in for routine maintenance.

Even if you take proper care of your vehicle, an engine failure can occur. As said above, there are options for some engine failure situations, although in most cases it is not covered by auto insurance. Read on for information on what collision and comprehensive insurance will cover.

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Collision Insurance and Engine Failure

You may be wondering, how do I get insurance to cover a blown motor? Both collision and comprehensive insurance are additional types of coverage that don’t come with most basic types of coverage. Collision coverage can protect against damages made to your vehicle when you collide with a building, fence, or another car.

Here’s a short video that explains the difference between collision and comprehensive auto insurance.

So, if your engine failure was caused by some sort of collision, then your insurance company or car insurance provider may cover the damages, but, as with most claims, there will likely be a deductible involved.

Comprehensive Insurance and Engine Failure

Comprehensive coverage in another type of insurance that can cover engine failure in some cases. As with collision coverage, comprehensive coverage is usually considered a type of additional coverage and would have to be added on to a basic policy. That being said, comprehensive insurance may cover engine failure that was directly caused by an accident.

It is the job of the driver to prove that the engine failure was, in fact, caused by the accident in question. This can be done by getting your mechanic to check the damages and back up your claim.

A comprehensive insurance policy may also cover an engine failure if it is caused by any of the other things detailed in your policy, including vandalism, weather damage, etc. Both comprehensive and collision are usually considered additional types of coverage. For a closer look at the average cost of car insurance in the USA, check out the table below.

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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Rates and coverage do vary by company. You may be asking “Does Allstate cover blown engine?” As with every other company, it depends on the circumstances. If you don’t have comprehensive or collision coverage, read on for other engine failure financing options.

Other Options For Engine Failure Insurance

Some car insurance policies offer a coverage option called Mechanical Breakdown Insurance, or MBI, which can cover several types of mechanical issues, including a blown engine. It’s worth noting that MBI is not offered by all insurance companies and usually will only cover newer cars. Also, having MBI can result in higher deductibles.

Is mechanical breakdown insurance worth it? That is up to you after you evaluate your needs and your budget.

Another option for covering engine repairs is to see if your warranty will cover it. If you purchased an extended warranty on your vehicle, then there is a good chance engine repairs would be covered. Those with gap insurance often ask, “Does gap insurance cover engine failure?” though it usually doesn’t.

Additionally, engine failure can happen on other vehicles, including boats and ATVs. If you are wondering, for example, “Does Geico boat insurance cover engine damage?” or “Does ATV insurance cover blown engine?” it would be best to contact the specific company in which you are interested because the types of coverage will likely vary.

Now that you know more about if auto insurance covers engine failure, start comparing auto insurance quotes easily by using our tool below. Enter your ZIP code now.

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Frequently Asked Questions: Does auto insurance cover engine failure?

We hope we’ve covered everything, but just in case, check out some common questions about insurance and engine failure below.

#1 – Does auto insurance cover bad repairs?

In most cases, your auto insurance policy will not cover a bad repair job. The best thing to do is to contact your mechanic or body shop and let them know that you are unsatisfied with the repairs. If the body shop gives you push back, then you may need to decide if legal action needs to be taken.

The average cost of repairs by state can be found here.

#2 – Does insurance cover transmission failure?

Unless the transmission damages are caused by an accident, your auto insurance likely won’t cover the repairs. However, if you purchased a warranty for your vehicle, then transmission repairs might be covered.

#3 – Does car insurance cover non-accidental repairs?

Most auto insurance policies will not cover routine repairs unless they were caused by an accident.

#4 – Does Progressive cover engine failure?

Each company will have specific coverages offered. If you are looking for a company to insure you against engine failure, make sure to check with the company before buying its auto insurance coverage.

#5 – What is not covered in car insurance?

This all depends on the insurance company and policy in which you go with.

#6 – Does insurance cover engine failure in the UK?

As in America, engine failure in the UK would still fall under comprehensive or collision policies.

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