Does auto insurance cover Acts of God?

How does auto insurance cover acts of God? Through a comprehensive policy. Comprehensive coverage is optional in most states and, on average, comprehensive auto insurance will cost you $148.04 annually. Buying comprehensive insurance can help protect you from major losses. Not only will it cover acts of God, but it also protects you if your car is stolen or totaled in an accident. Compare comprehensive and full coverage auto insurance rates now.

Compare Quotes Now

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview:

  • Acts of God are unpredictable events that you have no control over and cause damage to vehicles.
  • Only comprehensive auto insurance policies cover acts of God.
  • On average, a comprehensive auto insurance policy will cost $148.04 annually.

Unavoidable occurrences, such as hailstorms, earthquakes, wildfires, and floods, are called acts of God and may damage or destroy your vehicle. If you’ve ever wondered, “Does car insurance cover acts of God?”, we’re here to help. By the end of our helpful guide, you’ll know how to buy auto insurance to protect your vehicle from unforeseen circumstances with confidence.

Before you buy act of God auto insurance, it pays to shop around. Compare auto insurance that will protect you from acts of God by entering your ZIP code into our FREE tool above.

Does auto insurance cover acts of God?

Insurance does cover acts of God, but only if you purchase a comprehensive insurance policy. Comprehensive coverage is the closest thing to act of God auto insurance.

According to the Insurance Institute for Highway Safety, any theft or non-crash damage to your vehicle is covered by comprehensive insurance.

Similarly, you may hear the terms acts of nature or natural disaster protection. When it comes to car insurance, acts of God coverage and acts of nature coverage are the same thing.

Which type of coverage pays for losses due to acts of God in an auto policy?

As we previously mentioned, only comprehensive auto insurance covers acts of God. Comprehensive coverage is optional in most states. The national average insurance premium for this type of insurance is $148.04 annually.

The National Association of Insurance Commissioners releases an annual database report comparing how much comprehensive coverage costs in each state. Find your state’s total in the table below.

Average Annual Comprehensive Auto Insurance Coverage Rates by State
StatesAverage Annual Comprehensive Coverage Rates
Oregon$93.87
California$100.54
Hawaii$101.56
Maine$104.98
Washington$106.38
Utah$109.50
New Hampshire$110.77
Florida$116.53
Idaho$116.55
Nevada$117.63
Ohio$121.61
Indiana$122.06
Delaware$122.49
Vermont$125.48
Illinois$128.13
New Jersey$131.35
Connecticut$131.62
Rhode Island$132.19
Massachusetts$134.96
North Carolina$136.08
Virginia$136.54
Wisconsin$136.81
Alaska$137.26
Kentucky$141.39
Pennsylvania$144.21
Tennessee$148.45
Maryland$152.72
Michigan$154.85
Alabama$156.31
Georgia$159.18
New York$171.12
New Mexico$172.57
Colorado$174.61
South Carolina$180.94
Missouri$181.27
Iowa$183.53
Minnesota$184.27
Arizona$186.12
Arkansas$190.41
West Virginia$204.28
Texas$206.42
Mississippi$210.33
Montana$211.91
Louisiana$215.17
Oklahoma$225.84
Nebraska$229.25
North Dakota$231.04
District of Columbia$233.24
Wyoming$247.57
South Dakota$258.11
Kansas$267.91
U.S. Average$148.04
Get Your Rates Quote Now

Compare RatesStart Now →

Full coverage auto insurance covers acts of God because unpredictable events that do not fit under property damage liability or collision insurance can still cause damage to vehicles.

The NAIC’s video below gives a clear definition of what comprehensive auto insurance covers, including acts of God or nature.

As you can see, buying comprehensive insurance can help protect you from major losses. Not only will it cover acts of God, but it also protects you if your car is stolen or totaled in an accident.

A quick online search can help you find competitive act of God, auto insurance quotes.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What is classified as an act of God?

What are acts of God in insurance? When it comes to car insurance, the definition of “act of God is any natural disaster unpreventable by humans is classified as an act of God under most policies. Earthquakes, floods, tornadoes, and volcanic eruptions are just a small list of auto insurance acts of God, according to the Insurance Information Institute.

Is hitting a deer an act of God? Yes. Another specific example is a tree falling on your car.

An act of God car accident includes contact with animals, including birds. You can file an act of God auto insurance claim as part of your comprehensive coverage. Your policy outlines natural disasters not included act of God coverage.

We hope we’ve answered your question “does insurance cover acts of god?” and given you the information you need to find affordable act of God auto insurance.

Now that you know more about comprehensive coverage, you’re ready to do some quote comparison shopping. Protect yourself today by comparing comprehensive, or act of God, auto insurance rates by entering your ZIP code into our FREE tool below. In the meantime, check out our frequently asked questions below.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Frequently Asked Questions: Does auto insurance cover acts of God?

We hope we’ve answered all your questions, but just in case, read some common questions below.

#1 – Does car insurance cover acts of God in the UK?

Yes, comprehensive auto insurance, which covers acts of God, exists in the UK.

#2 – Does travel insurance cover acts of God?

Travel insurance often includes acts of God coverage. However, bad weather and natural disasters are two very different things, so check with your travel agent about what their coverage includes.

#3 – Does homeowners insurance cover acts of nature?

You can purchase comprehensive homeowners’ insurance that covers perils, which are similar to acts of nature. However, the coverage does differ slightly. What is acts of nature? They’re natural phenomena that are inevitable.

#4 – Does renters insurance cover acts of God?

Renters insurance often covers specific perils. Perils are similar to acts of God but with some variations.

#5 – What about car rentals and acts of God?

Typically, to be covered by what is known as acts of God for rental auto insurance, you have to sign up for the temporary auto insurance.
Taking the extra insurance on a rental car does protect you from hail and other acts of God or nature.

#6 – Should the insurance from my car transport company cover acts of God?

Your auto insurance policy covers damage that happens while your vehicle is being transported.

#7 – Does State Farm home insurance cover acts of God?

State Farm’s homeowners policy protects you from acts of nature and random acts.

References:

  1. https://www.naic.org/prod_serv_alpha_listing.htm#auto_ins_database

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption