Does Auto Insurance Cover if you Hit a Pole?

Does auto insurance covers you if you hit a pole? If your car hits a utility pole, what you would need is collision coverage. Fortunately, this can be obtained for $326 annually, on average.

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Sara Routhier, Managing Editor of Features and Outreach, 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 worl...

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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: Aug 20, 2020

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Auto Insurance Summary
Auto Insurance FactsSource
Auto insurance exists to protect you against expenses you would otherwise be unable to afford.ncdoi.gov
A typical auto insurance policy is composed of four types of coverage.ncdoi.gov
Liability coverage pays for bodily injury and property damage of another driver when you are at fault.ncdoi.gov
Collision coverage pays for damage to your vehicle in the event of impact with another vehicle or other object.ncdoi.gov
Comprehensive coverage pays for your vehicle's repairs in the event of damages incurred outside of a collision.ncdoi.gov
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No one wants to be in a situation where their automobile smashes into a pole. You’re asking, “Does auto insurance cover if you hit a pole?” We’ll cover this question and more in the article below.

One of the most common reasons for hitting a pole is because your eyes were off the road. The dangers of texting and driving are very real. We understand that finding the right insurer for your needs can be a bit of a hassle. This is why we’ll go through everything step-by-step so you can figure out what you need.

If you’re shopping for auto insurance, please feel free to use our helpful and free tool above by simply typing in your ZIP code to find reasonable rates in your area.

Auto Insurance & What Happens After You Hit a Pole

If you hit a telephone pole, do you have to pay for it? Yes, you will need to pay your city to replace the telephone pole. Unfortunately, it will most likely cost you thousands of dollars, too. You definitely don’t want to speed off and not report what happened, though, because you could tack on a misdemeanor charge to your record.

Do you have to report hitting a pole? Yes, because if you wait to do so your claim will most likely be denied.

Before you worry about finances, though, worry about the health of yourself and your loved ones. Consult the following video for information on what to do after getting into a car accident, specifically in the case of hitting a pole.

Now that safety has been covered, does auto insurance go up when you hit a pole? It all depends on the limits of your collision coverage. Generally, the limit is about equal to the price of your vehicle. As long as hitting the pole doesn’t exceed the cost of your vehicle, you’ll be covered. Furthermore, if you’re found to be at fault, you can expect your premiums to be raised.

Before we delve into specifics, let’s take a look at a table showing the national averages for the primary auto insurance coverages. This includes liability car insurance, comprehensive insurance, and collision insurance.

Average U.S. Auto Insurance Rates by Coverage Type
Coverage TypeAverage Annual
Auto Insurance Rates
Average Monthly
Auto Insurance Rates
Comprehensive$148$12
Collision$326$27
Liability$555$46
Full$1,029$86
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Because collision coverage is for when your vehicle collides with another vehicle or object — such as a pole — this is the coverage we’ll have to look at in further detail.

Let’s take a look at a video explaining the purpose of collision insurance, the benefits of having it, and the detriments of not having it.

Now, let’s take a look at a table showing collision coverage averages in each state.

Average Annual U.S. Collision Auto Insurance Coverage Rates by State
StatesAverage Annual Collision Coverage Rates
South Dakota$208.58
Idaho$219.05
Iowa$219.75
Wisconsin$226.00
Oregon$226.83
Minnesota$234.40
Nebraska$237.13
North Dakota$244.09
Indiana$250.29
Maine$259.98
Kansas$263.33
South Carolina$265.07
Montana$265.32
Washington$265.74
Utah$265.90
Kentucky$267.91
Ohio$269.84
Missouri$275.28
New Mexico$276.98
Arizona$277.96
Wyoming$278.83
Virginia$280.52
Florida$282.96
Colorado$287.00
North Carolina$293.59
Vermont$295.42
Nevada$303.86
New Hampshire$307.42
Tennessee$309.07
Illinois$309.71
Hawaii$313.17
Alabama$317.96
Oklahoma$318.47
Delaware$318.77
Arkansas$321.80
Countrywide$322.61
Mississippi$323.22
Pennsylvania$327.24
West Virginia$329.67
Georgia$331.83
Alaska$350.81
Maryland$353.99
Connecticut$368.51
Texas$374.49
New Jersey$381.86
New York$385.02
Massachusetts$388.28
California$396.55
Rhode Island$411.51
Michigan$413.83
Louisiana$414.36
District of Columbia$468.67
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Are you paying too much for collision coverage in your state? According to the Massachusetts Office of Consumer Affairs, you’ll need more than collision coverage to protect you and your family.

Here’s the deal, it’s well worth having collision insurance. You want to be on the right side of the law, and you certainly want to be covered should the worst happen. Let’s move on to see if collision coverage is going to be of assistance should you hit a pole.

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I hit a pole with my automobile, will insurance cover me?

Does car insurance cover if you hit a pole? Your insurance probably will help you out, just keep in mind that you’ll first need to file an insurance claim if you hit something.

You’re asking, “Will my insurance go up for hitting a pole?” Sure, and while you’ll most likely be considered at fault, the financial ramifications are better than being found guilty of a hit-and-run.

This applies if you hit a pole with a rental car, if your car hits a pole in a parking lot, even if you swerved to miss a deer in the road and hit a utility pole. The latter is a very real possibility, as the Insurance Information Institute states that there were 211 deaths from a collision with animals in 2017 alone.

Even if you hit a pole and it scrapes your car, you may still want to call the insurance company. Maybe the extent of the damage is not severe, you’re wondering, “I hit my car on a pole, should I use insurance to cover repairs?” In truth, unless the damage is negligible, you probably want to file a claim.

This is how auto insurance works if you hit a pole. Analyze your collision limits and file a claim. Use our tool below by typing in your ZIP code to find insurance rates in your area.

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Frequently Asked Questions: Does auto insurance cover if you hit a pole?

So, does car insurance go up when you hit a pole? Hopefully we’ve covered everything you wanted to know. If we haven’t, feel free to take a look at some common questions below.

#1 – How much does it cost if you hit a telephone pole?

If you hit a light pole with your car, the cost will be covered by the limits of your collision coverage. Anything exceeding that will be out-of-pocket.

#2 – I backed into a parked car, will my insurance go up?

Considering you will almost certainly be found at fault, most likely.

#3 – I hit a tree, will my insurance cover it?

Yes, as long as you have comprehensive insurance coverage.

#4 – If I damage my own car, can I claim on my insurance?

Yes, as long as you have collision and/or comprehensive coverage.

#5 – Does car insurance cover hitting a wall?

Yes, but when you file the claim you’ll end up raising your own premiums in the future.

#6 – What happens if you hit a lamppost?

Stop your vehicle and report the incident to the police and then your insurer.

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#7 – What happens if you hit a pole and total your automobile with full coverage?

You will be covered to the limits outlined in your policy.

#8 – Does liability insurance cover my automobile if I hit a pole? If not, what insurance do I need to cover my vehicle if I hit a pole?

No, liability will not cover you, collision insurance will.

#9 – If I hit a pole while reversing my car, am I covered with insurance?

Yes, but you will be considered at fault and you’ll most likely be looking at raised premiums in the future.

#10 – If I inadvertently hit a pole and damage my car, what do I do?

Stay at the scene, inform the police, and then inform your insurance company.

References:

  1. https://blog.mass.gov/consumer/massconsumer/insurance-myths/
  2. https://www.iii.org/fact-statistic/facts-statistics-deer-vehicle-collisions

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