Does auto insurance cover battery replacement? (2026)

Does insurance cover battery replacement? It would be nice to have your major car repairs covered by insurance, but auto insurance for maintenance is not common. 

While most car insurance companies won’t help with buying a new battery, there are some policy options that will help with jumpstarting a dead battery. With damage and loss under covered incidents, your policy could help with battery replacement. If you’re wondering, “Does Geico replace a car battery?” keep reading to learn more about this and whether a car battery is covered under lease.

Car Insurance Battery Replacement Coverage

Does insurance cover a car battery? When it comes to car repairs, car insurance companies don’t typically extend coverage for general maintenance items like a car battery, headlight, or tire.

Vehicle owners assume the costs of preventative maintenance and any repairs or replacement for auto parts. A car battery is included with an insurance policy if it’s specifically named as a covered part or if it’s damaged during a covered incident.

When you sign up for car insurance, you won’t find a line for car battery coverage. However, that doesn’t mean you are totally on your own if your car battery malfunctions.

Does roadside assistance replace batteries? While Geico, Progressive, Nationwide, or State Farm battery replacement coverage is not available, they are some of the auto insurance companies that offer roadside assistance plans, which will help out if your battery dies while on the road.

 

 

 

 

 

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Each company has different benefits with a roadside assistance plan, but many of them include a free jumpstart for a dead battery or a towing service for your disabled car.

Roadside Assistance Programs

Auto insurance covers roadside assistance as an add-on to a standard policy, though these services come at an additional cost. Roadside assistance often takes care of things such as towing a disabled vehicle, jump-starting a dead battery, delivering fluid or fuel, or changing a flat tire. 

Will roadside assistance replace a battery? This program doesn’t address the cost of buying a new battery but the expense of getting your vehicle towed to an auto shop or sending a response technician to jump-start the battery for you.

Does Geico cover battery replacement? While you can’t get Geico battery replacement, they’ll tow you to get a new one or help jump-start your existing one. 

Since this add-on is charged each policy term, compare the cost of this service to the cost of a new battery when deciding on adding roadside assistance.

Preparing for Possible Car Battery Replacement Situations

While you would want your insurance to cover as many issues as possible, you probably won’t find a policy that will assist with the daily maintenance and upkeep your vehicle requires. There is a big difference between levels of coverage, making it harder on your budget if you are looking for a more inclusive policy.

Understanding car insurance will help you compare the differences between low, medium, and high coverages and rates.

Auto Insurance Average Monthly Rates By Coverage Type

If your goal is to find an insurance policy that will help you with car repairs, you might want to consider exploring options of an extended warranty. This isn’t an insurance policy, but it can be financial help with car repairs that aren’t related to collisions.

Understanding How Car Insurance Covers a Battery if it Wasn’t Damaged by a Wreck

So, is a battery covered under insurance?

A battery could be damaged from a non-accident incident, or a driver may swerve off the road and collide head-on with a mailbox or tree. A terrible storm could cause a tree limb to fall on your car and damage the battery or other parts. In these situations, you would want to have extended coverage through a comprehensive or collision policy, which cover many incidents.

However, while it might be a covered incident, you would be responsible for paying the deductible on the policy before the benefits take effect.

The average battery costs around $120, but the average deductible is $500.

By comparing the different types of auto insurance coverage, you will see how insurance companies address non-accident repairs. If you get into an accident, liability auto insurance coverage is used to repair the damage to the other vehicle or personal property, as well as pay the medical or death expenses for the individuals in the incident.

To cover your own vehicle during an incident, you may have to file a claim on the other driver’s liability insurance if you haven’t taken out additional coverage on your own policy. If a car accident damages your battery, this could be the way an insurance company pays to replace it.

More About Car Battery Insurance Coverage

Is a car battery covered under insurance? While insurance won’t pay to replace a dead car battery, a roadside assistance program can help out in the meantime. However, if you got in a wreck that damaged your battery, insurance will cover it.

Even if your budget can’t afford an insurance policy that includes a car battery replacement, you should invest in the best coverage your finances allow. This financial protection can give you peace of mind whether you are facing a repair after an accident or you’ve experienced damage from inclement weather.

As far as your car battery is concerned, you could use a roadside assistance add-on to get you back on the road while you figure out what option you will choose for replacing the battery.