Will auto insurance cover a dead battery?

Auto insurance does not cover dead battery replacement. While car insurance won't cover a dead battery, roadside assistance can tow your vehicle to a repair shop for free as long as you have it as part of your coverage.

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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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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

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 Leslie Kasperowicz

UPDATED: Jun 6, 2022

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Dead batteries can occur at any time. Will your car insurance cover a dead battery? Will your car insurance pay for someone to come jumpstart your car? Or will you need to pay for the dead battery out of pocket?

Ordinary car insurance will not cover a dead battery. Even if you have full coverage car insurance, it’s unlikely your car insurance policy comes with any type of roadside assistance.

However, all major car insurance companies offer roadside assistance coverage as an additional option on your main policy. GEICO’s Emergency Roadside Service, for example, costs an extra $20 to $50 per year and can cover the cost of jumpstarting a dead battery. GEICO roadside assistance dead battery coverage is an excellent option available to make sure you don’t end up in a tough situation by offering a GEICO jump start. Other insurance companies offer similar plans.

You can also buy third party roadside assistance coverage to cover a dead battery. AAA, for example, is one of the most popular roadside assistance programs in the country. AAA and similar programs will cover the cost of sending someone to your location to jumpstart a dead battery. If you find yourself surprised by a dead battery, roadside assistance for dead batteries really comes in handy.

Does car insurance cover a dead battery replacement?

Sometimes, jumpstarting a car won’t fix your dead battery problem. Sometimes, your dead battery needs to be replaced.

Unfortunately, car insurance does not cover the cost of replacing your dead battery either.

Even if car insurance did cover it, it’s unlikely it would be worth making a claim. Car batteries cost $50 to $200, which is less than your deductible – so it would never be worth it to make a claim for a new car battery.

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How Car Insurance Roadside Assistance for Dead Batteries Works

If you don’t have roadside assistance, then you won’t have dead battery coverage. Roadside assistance programs cover things like:

If your car runs out of gas, for example, you can contact the roadside assistance company, and the company will dispatch a technician to your location. The technician may arrive with gas to refill your vehicle. Most roadside assistance plans provide a small amount of gas for free, although some charge for all fuel deliveries.

Towing also varies widely between roadside assistance policies. Most roadside assistance policies will only cover a tow to the nearest service station. Some policies have additional limits – like drivers will need to pay extra if they’re more than 50 miles or 100 miles from the nearest service station.

How much do roadside assistance programs cost?

Roadside assistance programs vary widely in terms of price and coverage.

If you buy roadside assistance through your own insurance company, you might end up paying just $20 to $40 extra per year.

Alternatively, some third-party roadside assistance programs charge anywhere from $50 to $300 per year.

The more you pay, the more coverage you get. The higher-priced roadside assistance plans, for example, may cover the cost of towing your car to the nearest service station no matter how far away it is. These plans can also provide RV and motorcycle coverage, free fuel deliveries, free lockout services, and other services that cost extra on an ordinary car insurance policy.

Should you buy roadside assistance through your insurance?

There are pros and cons to buying roadside assistance through your own car insurance provider. Generally, it’s the most hassle-free way to buy roadside assistance. However, plans can vary widely between car insurance companies.

Most major car insurance companies in America require you to pay higher premiums to add roadside assistance to your policy – say, between $15 and $50 per year.

Allstate works differently. Allstate charges you $125 per service call on their roadside assistance program.

The main drawback of getting roadside assistance through your car insurance is that it may not cover everything. You may need to pay extra for fuel delivery, for example. You may pay an extra fee per mile if your car needs to be towed more than 10 miles to a service station.

Overall, roadside assistance programs through your car insurance provider cost just a few extra dollars per month. They’re a cost-effective way to get peace of mind, although they may have some drawbacks.

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Third-Party Roadside Assistance Programs

AAA and other organizations provide great roadside assistance at a reasonable rate. Many organizations – like AAA – also come with other perks, including discounted movie tickets, discounted travel services, and cheap hotel rooms.

AAA also has multiple plans catered to the different needs of different drivers. Some drivers need RV and motorcycle roadside assistance, for example, while other drivers do not.

If you want more flexibility and better coverage, then a third-party roadside assistance company may be the better option.

Does auto insurance cover a dead battery? Here’s the Bottom Line

If you have a dead battery, then your car insurance will not cover the cost of jumpstarting that battery unless you have roadside assistance.

Car insurance also does not cover the costs of replacing a dead battery.

If you’re worried about a dead battery, consider buying roadside assistance through your own insurance company or through a third party like AAA.

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