Does auto insurance cover paint jobs?

Does auto insurance cover paint jobs? If your car is scratched in a parking lot, insurance may be able to help provided you have the proper coverage. Comprehensive coverage helps with situations out of your control. This is included in full coverage which has a countrywide average of about $955 annually. Make sure you know what your auto insurance will cover before you head to the auto paint shop. Compare quotes on auto insurance that covers paint jobs now.

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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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A brief overview

  • The average cost to paint a car ranges from $300 to $900
  • Auto insurance may cover a paint job, tires, batteries, or other items damaged in a collision
  • Scratches on a car may be covered if they are from a car accident or vandalism
  • A paint job doesn’t repair vehicle damage; it is mainly a cosmetic fix the vehicle

You walk out of the grocery store to see that a reckless person has scraped paint from your car, be it with their door or by other means. It’s a frustrating experience that happens far too often. You ask yourself, “Does auto insurance cover paint jobs?”

Can I claim insurance for car scratches? Does insurance cover rock chips in paint?

In short, yes, but it’s complicated. Understanding auto insurance is sometimes easier said than done. That’s why we are going to help you by going through the process step-by-step.

Before learning if auto insurance covers paint jobs, please feel free to type in your ZIP code into our free helpful tool above to find reasonable rates in your area.

The Auto Insurance Coverage You Will Need to Cover Paint Jobs

Does GEICL cover paint jobs? Does State Farm cover paint jobs? Does USAA cover paint damage? The answer may not depend as much on the insurance company but on the type of auto insurance coverage you carry?

Let’s get started by looking at the different types of insurance you will need if you want to have your car’s paint job covered.

Does comprehensive auto insurance cover paint jobs?

If you want your insurance to cover paint job damages, you will need to purchase Comprehensive Coverage. Comprehensive Coverage is for events that are outside of the policyholder’s control and are not collisions. This includes damage from storms, falling tree branches, theft, vandalism, and sleet.

Here is a video further explaining comprehensive coverage.

This table shows state averages for Comprehensive Coverage rates.

Average Annual U.S. Comprehensive Auto Insurance Rates by State
StatesAverage Annual Comprehensive
Auto Insurance Rates
Oregon$89.66
Maine$96.66
California$99.29
Hawaii$100.09
New Hampshire$103.03
Washington$104.11
Utah$106.57
Florida$110.12
Idaho$110.78
Ohio$112.74
Delaware$113.23
Indiana$115.02
Nevada$116.79
Illinois$117.98
Vermont$118.31
Rhode Island$122.17
North Carolina$123.00
New Jersey$123.18
Connecticut$126.02
Wisconsin$126.34
Massachusetts$128.92
Virginia$129.89
Kentucky$130.15
Pennsylvania$132.01
Tennessee$135.62
Countrywide$138.87
Alaska$141.08
Alabama$146.28
Maryland$146.77
Michigan$147.02
Georgia$153.61
New York$156.66
Colorado$158.34
South Carolina$165.38
Missouri$166.34
New Mexico$166.89
Iowa$171.58
Minnesota$173.04
Arkansas$183.36
Arizona$184.20
Texas$186.70
Mississippi$194.74
West Virginia$195.04
Montana$199.87
Oklahoma$201.56
Nebraska$206.24
Louisiana$208.59
Wyoming$222.86
North Dakota$227.64
South Dakota$228.59
District of Columbia$230.25
Kansas$230.65
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Now let’s move on to collision coverage and see how that may help cover getting your car painted.

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Does collision auto insurance cover paint jobs?

Collision Coverage could also help in the case of a severe accident that requires extensive paintwork, although there would also have to be structural damage in need of fixing. In this case, the paint job would also be included in the repair.

Here is a video that further explains Collision Coverage.

This table shows what you will most likely pay for Collision Coverage in your state. Make sure you meet any requirements for your state, such as those required in Texas.

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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You’re probably asking, “Is car scratch insurance worth it?” While there is no specific insurance for scratches, yes, having coverage in the case of an accident or another event out of your control is well worth it.

These prices certainly aren’t as expensive as the ramifications of being uninsured. The least of your concerns would be an auto paint shop’s prices. All in all, the cost of auto insurance is worth it to help ease the financial impact from car paint shops.

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Does full coverage auto insurance cover paint jobs?

“Does full coverage insurance cover paint jobs?” Yes, because full coverage is a package deal of liability, comprehensive, and collision coverage. Full coverage also tends to include Underinsured/Uninsured Motorist Coverage, according to Virginia law.

These cover accidents with motorists who have either not enough coverage or none at all.

This video further explains Underinsured and Uninsured Motorist Coverage.

Full coverage may also include MedPay and Personal Injury Protection (PIP). These are optional coverages that assist with medical bills. The following video further details these coverages.

Now that we’ve explained these coverages, let’s take a look at the average cost of auto insurance in the USA in terms of full coverage in each state.

U. S. Average Annual Full Coverage Auto Insurance Rates by State
StatesAverage Annual Full Coverage Rates
Mississippi$994.05
California$986.75
Colorado$981.64
South Carolina$973.10
Arizona$972.85
Pennsylvania$970.51
Washington$968.80
Kentucky$938.51
New Mexico$937.59
Arkansas$906.34
Oregon$904.83
Illinois$884.56
Minnesota$875.49
Hawaii$873.28
Utah$872.93
Missouri$872.43
Tennessee$871.43
Alabama$868.48
Montana$863.52
Kansas$862.93
Wyoming$847.44
Virginia$842.67
Nebraska$831.02
New Hampshire$818.75
North Carolina$789.09
Ohio$788.56
North Dakota$773.30
South Dakota$766.91
Vermont$764.02
Indiana$755.03
Wisconsin$737.18
Maine$703.82
Iowa$702.46
Idaho$679.89
Louisiana$1,405.36
New Jersey$1,382.79
Michigan$1,364.00
New York$1,360.66
District of Columbia$1,330.73
Rhode Island$1,303.50
Florida$1,257.13
Delaware$1,240.57
Connecticut$1,151.07
Massachusetts$1,129.29
Maryland$1,116.45
Texas$1,109.66
Nevada$1,103.05
Georgia$1,048.40
Alaska$1,027.75
West Virginia$1,025.78
Oklahoma$1,005.32
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If you’re looking to have paint-related damage covered, full coverage would be your best bet in terms of car paint insurance.

Hopefully, we have answered all of your questions. If we haven’t, please see the FAQ section below. We also have a helpful glossary for any terms you might want to look up.

Now that you know if auto insurance covers paint jobs, feel free to use our helpful tool below by typing in your ZIP code.

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Frequently Asked Questions: Does auto insurance cover paint jobs?

#1 – How much does it cost to repair paint damage on a car?

While it is situationally dependant, estimates for car paint repair range anywhere from $150 for minor scratches all the way up to $7,500 for a full showroom-quality paint job.

#2 – What does my insurance cover?

It depends on what policy you have. Collision covers accidents with other vehicles or structures, Comprehensive covers for acts of nature, and Underinsured/Uninsured covers collisions with individuals who have little or no coverage.

#3 – Are scratches covered by car insurance?

Technically, yes, but the scratches must be caused by something covered in your policy, such as an accident or vandalism.

#4 – Does car insurance cover bird damage?

Comprehensive is the only coverage that could help you in this situation. It also depends on your deductible; if a bird causes $200 worth of damage but you have a deductible of $400, you wouldn’t receive anything.

#5 – Does home insurance cover exterior painting?

Most likely not, nor will it cover paint deterioration from normal wear and tear.

#6 – Will insurance cover paint chips?

Most likely, as long as they resulted from an insured event, such as a collision or force of nature.

#7 – How much does it cost to paint a car?

A standard paint job, with sanding and rust removal prior to painting, can range anywhere from $1,000 to $3,500.

#8 – Does car insurance cover body damage?

Almost certainly, due to the fact that body damage almost always results from a collision.

#9 – My car was scratched in a parking lot, will insurance help?

There is no such thing as “car scratched in parking lot insurance.” Whether it is covered depends if it was a clear result of vandalism.

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