Does auto insurance cover clutch replacement?

Auto insurance covers clutch replacement only if the damage is due to a covered claim like an accident. Clutch replacement cost is $1,200 to $1,500. While there is no true clutch insurance, mechanical breakdown coverage may help pay for your clutch repair.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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A Concise Overview

  • The average cost of a clutch repair is at least $1,200.
  • Auto insurance does not cover normal wear and tear clutch repairs.
  • If you have collision coverage, it should cover clutch repair if it is damaged in an accident.

Does auto insurance cover clutch replacement? Your auto insurance covers clutch replacement if the clutch is somehow damaged in an accident. You can’t file a claim for clutch replacement, even if you have full coverage auto insurance if the clutch malfunctions or breaks from wear and tear.

However, there are few options you can explore to get help to pay for your clutch replacement. Continue reading this guide to learn what you can do to pay for an expensive clutch replacement when your auto insurance doesn’t accept your claim.

Your car insurance won’t cover clutch replacement, but if you save on insurance rates you can afford that clutch repair. Get a quote for cheaper coverage right now by entering your ZIP code in the FREE comparison tool above.

Does auto insurance cover clutch replacement?

If you’re in a car accident and your clutch gets damaged, your auto insurance company will cover it if you file a claim. However, only specific coverages will accept clutch replacement claims. Normal wear and tear of a clutch won’t be covered by auto insurance, so you’ll be responsible for the repair cost of your own clutch replacement if this is the case.

What is not covered in car insurance? Different coverages will help with different situations. For example, liability coverage wouldn’t cover the cost of a clutch replacement or repair if you’re at fault in an accident. However, collision coverage would help in this regard.

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What does auto insurance cover?

Auto insurance covers damage to your vehicle if it’s in a collision or encounters accidental damage. Each state in the U.S. works differently and splits fault differently. The roles of different coverage options are much clearer.

Liability car insurance is required for all drivers in the United States. Liability won’t cover the cost of clutch replacement if you’re at fault in an accident. However, if the other party is at fault, their insurance company should compensate you for the damages.

A person who doesn’t have enough coverage limits on their liability coverage may fail to pay the full cost of property damage and injuries.

The best way to prepare for this is to ensure you have uninsured/underinsured motorist coverage.

Collision coverage will pay for your clutch repair costs including labor costs even if you’re at fault in an accident as long as they are a fair price. Your average insurance cost may increase after you file a claim, though.

Comprehensive insurance pays for property damage resulting from non-collisions, such as vehicle theft, potholes, falling objects, etc. This short video discusses the difference between collision and comprehensive auto insurance coverage.

For example, Tata Tiago Bumper to Bumper Insurance is comprehensive coverage that pays the total cost of damage to fiber, metal, and rubber parts on your vehicle. Bumper damage insurance claims should be relatively easy to file since they’re much cheaper than clutch replacements.

What doesn’t auto insurance cover?

Does car insurance cover mechanical problems? It’s not likely. Auto insurance also won’t cover maintenance costs or parts that go bad.

Your auto insurance company won’t pay for clutch replacement if it’s damaged, malfunctioning, or has wear and tear outside the conditions of an accident. Therefore, a damaged or malfunctioning clutch is up to you to fix.


How much is clutch replacement cost?

According to RepairPal, the average price of clutch replacement is between $1,239 and $1,426. We’ve summarized the labor and part costs below, so you can see how much you’ll spend in total.

Clutch Replacement Cost
Clutch Replacement SummaryClutch Replacement Costs
Clutch Replacement & Repair$1,239 to $1,426
Clutch Replacement Labor$524 to $661
Clutch Replacement Parts$715 to $765
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Labor and parts can be just as expensive. When compared to the national average for auto insurance, the cost of a clutch replacement is much higher. However, mechanical breakdown insurance can curve expensive repair.

Mechanical breakdown insurance provides assistance when your vehicle breaks down unexpectedly.

You won’t be able to use mechanical breakdown insurance for maintenance, such as tires, oil changes, and dents in your car. However, if a radiator hose is busted or your clutch stops working suddenly, mechanical breakdown insurance can help you pay for damages and get you back on the road.

The California Department of Insurance warns consumers never to buy mechanical breakdown insurance until you confirm the insurance company and agent(s) are licensed in the state where you’re getting insurance.


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Does auto insurance cover clutch replacement? What’s the bottom line?

Your clutch can’t be replaced if you haven’t been in an accident recently. If you have been in an accident, minor or significant, file a claim with your auto insurance company right away.

Check your auto insurance policy to see if mechanical breakdown insurance is available. Some of the best home insurance companies are also the best auto insurance companies, and a lot of their services may not be advertised. When your auto insurance doesn’t cover sudden mechanical breakdowns, you may want to invest in a car repair insurance.

Now that you know all about clutch replacement and auto insurance, see how much you could be saving on insurance. Enter your ZIP code in the FREE comparison tool to compare auto insurance rates and find affordable car insurance in your area.


#1 – How much does it cost to replace a clutch?

It costs at least $1,200 to replace a clutch.

#2 – Does auto insurance cover non-accident repairs?

No. Auto insurance companies won’t cover maintenance or non-accident repairs.

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#3 – How much to get a clutch replaced in the United Kingdom (U.K.)?

A clutch replacement in the U.K. costs £454.55 on average.

#4 – Will car insurance cover a blown engine?

Your auto insurance will only cover a blown engine if it’s damaged in an accident and you have collision or comprehensive coverage.

#5 – Is transmission repair covered by insurance?

Your auto insurance company wouldn’t cover transmission repair if it weren’t damaged in an accident. Mechanical breakdown insurance could cover the cost, but it won’t cover transmission damage due to normal wear and tear.

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#6 – Will insurance cover a blown head gasket?

No. Outside of an accident, auto insurance companies won’t cover a blown head gasket.

#7 – Can I replace the clutch myself?

You can, but be sure to have all the right tools, guides, and parts before you start self-repair.

#8 – Does gap insurance cover engine failure?

Gap insurance won’t cover engine failure.

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#9 – Do I have to pay a deductible for the other person’s car?

No, there’s no deductible for damage you do to others.

#10 – Is a headlight covered in auto insurance?

Yes. If you’re in an accident or encounter an unexpected event like a falling object hitting your headlight, you can file a comprehensive claim to get your headlight fixed.



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