Does auto insurance cover air conditioning?

Your auto insurance covers air conditioners that are broken during a collision if you have collision coverage. Full coverage averages $299.73 a year or $24.98 per month across the country.

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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 15, 2021

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A Concise Overview:

  • Your auto insurance won’t cover a broken air conditioner if it’s damaged from normal wear and tear.
  • If your air conditioning was damaged in an auto accident, your collision insurance will probably cover damages.
  • Your vehicle’s warranty might cover a broken AC if it’s not the result of a collision.

It’s a bad day when you’re sitting in rush hour traffic in July with a broken air conditioner. It’s pretty high-priority in summer months to fix the AC. But does car insurance cover air conditioning?

It depends on how your AC broke. Collision insurance coverage will likely cover it if they were broken in an accident, for example.

Make sure you have the right coverage for your needs, including the event that your AC gets busted in a collision. We can help. Enter your ZIP code above to get FREE quotes from multiple insurers.

Does auto insurance cover a broken air conditioning?

Does auto insurance cover your air conditioner?  Maybe, but it depends on how your vehicle’s air conditioner broke.

Your auto insurance will not cover replacing or repairing your AC for normal wear and tear.

But if your air conditioner was damaged in a collision, it may be covered.

This video from Allstate helps to explain collision coverage.

The table below demonstrates the average rates countrywide for liability, comprehensive, and collision coverages.

Average Annual U.S. Auto Insurance Rates
Type of Auto Insurance CoverageAverage Annual Auto Insurance Rates
Full Coverage$954.99
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Each state has its own set of liability car insurance requirements, as compiled here by the Insurance Information Institute. Liability coverage is the absolute minimum you need. This will cover other vehicles if you’re at-fault in an accident, though it won’t cover you. You’ll need comprehensive and collision to cover your own damages.

Do you even need full coverage auto insurance? Why would you get full coverage if you’re not required to? Full coverage can cost an average of 87 percent more than liability coverage, but it’s the only way to cover your own property.


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What is the difference between an auto warranty and auto insurance?

Your car warranty is often provided by the automaker of your vehicle, and it’s designed to help cover expenses to fix mechanical problems.

On the other hand, car insurance doesn’t typically cover mechanical or normal wear and tear. Instead, it helps cover damages that occur when you’re driving.

There are three major types of auto insurance, which are known as full coverage when combined:

  1. Liability – covers damage to another car when you are at-fault in a collision.
  2. Collision – covers expenses when your vehicle is damaged in a collision.
  3. Comprehensive – covers hail damage, vandalism, or other damage that is not the result of a collision.

There are a few other add-on options that most people are eligible for as well.

Is AC compressor covered under extended warranty?

If you purchased a bumper-to-bumper extended warranty, your AC should be covered. That would include the AC compressor. If your auto insurance won’t touch it, you may want to check with your warranty.


Make sure you have the right type of coverage just in case you get into a collision and need your AC replaced. We can help out. Now that you know if auto insurance covers air conditioning, enter your ZIP code below to get FREE quotes from multiple insurers.



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