Does auto insurance cover bullet holes?

Auto insurance covers bullet holes if you have the right coverage. Bullet holes are covered by auto insurance under comprehensive coverage, which pays for damage not caused by a collision. Comprehensive is the only auto insurance that covers gunshot damage to your car, and costs about $13/month.

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Sara Routhier, Director of Outreach and Managing Editor of Features, 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 overw...

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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: Feb 26, 2021

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A Concise Overview:

  • For about $160/year or $13/month, comprehensive auto insurance will cover the expenses for bullet hole repairs.
  • Comprehensive coverage is optional; it’s not required in order for you to drive legally.
  • Bullet holes can be deceiving because they can also cause underlying damage to car doors or electronics.

Looking to find auto insurance that covers bullet holes in your car? Does insurance cover bullet holes at all?

Yes, but you’ll need comprehensive insurance coverage for that. Our guide below tells you what you need to know about comprehensive coverage and what else it covers besides bullet holes.

You don’t want to find out that you don’t have the right car insurance to cover bullet holes once it’s too late. Get cheap comprehensive car insurance quotes here. Just enter your ZIP code in the box above to get started.

Comprehensive Auto Insurance and Bullet Holes

What is comprehensive auto insurance? Comprehensive coverage is an option that can be added to your policy to protect you from the many ways your car could be damaged outside of an accident. It’s sometimes called “Other Than Collision” because that’s exactly what it is.

So what are some examples of other than collision damage? What does comprehensive auto insurance cover? Well, bullet holes, for one thing, which is why you’d need comprehensive coverage to pay for those.

This table will give you an idea of average comprehensive coverage rates across the U.S.

Average Annual U.S. Comprehensive Auto Insurance Rates by State
StatesAverage Annual Comprehensive
Auto Insurance Rates
Oregon$89.66
Maine$96.66
California$99.29
Hawaii$100.09
New Hampshire$103.03
Washington$104.11
Utah$106.57
Florida$110.12
Idaho$110.78
Ohio$112.74
Delaware$113.23
Indiana$115.02
Nevada$116.79
Illinois$117.98
Vermont$118.31
Rhode Island$122.17
North Carolina$123.00
New Jersey$123.18
Connecticut$126.02
Wisconsin$126.34
Massachusetts$128.92
Virginia$129.89
Kentucky$130.15
Pennsylvania$132.01
Tennessee$135.62
Countrywide$138.87
Alaska$141.08
Alabama$146.28
Maryland$146.77
Michigan$147.02
Georgia$153.61
New York$156.66
Colorado$158.34
South Carolina$165.38
Missouri$166.34
New Mexico$166.89
Iowa$171.58
Minnesota$173.04
Arkansas$183.36
Arizona$184.20
Texas$186.70
Mississippi$194.74
West Virginia$195.04
Montana$199.87
Oklahoma$201.56
Nebraska$206.24
Louisiana$208.59
Wyoming$222.86
North Dakota$227.64
South Dakota$228.59
District of Columbia$230.25
Kansas$230.65
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Comprehensive auto insurance is designed to cover those events that are outside of your control but that also damages your vehicle. Comprehensive auto insurance will cover gunshots to your vehicle.

Depending on where you live in the U.S., you may more frequently experience extreme weather events such as hail, flash floods, collisions with large animals such as a deer, fallen trees, and lightning strikes. Essentially, any damage to your vehicle caused by something else that is not a vehicle is covered by comprehensive insurance, unless it is specifically excluded by your insurance company.

How is this different from collision insurance?

The difference between comprehensive and collision coverage is whether another vehicle was involved in the accident.

Take a look at this video for more information.

Many drivers carry both types of insurance because it really isn’t about collision vs. comprehensive. Rather, it’s about what you think your risks are and how much you’re willing to spend to repair your vehicle in case of damage.

There are a few decisions you’ll need to make when you’re purchasing comprehensive coverage for your vehicle.

For example, how much comprehensive coverage you’ll need will depend on the relative costs to repair or replace your vehicle. You’ll also want to weigh your deductible against your rate; generally, higher deductibles mean lower rates, but that also means you’ll spend more out of pocket in case of a claim.

As your vehicle ages, you may decide that’s when to drop comprehensive coverage. Be sure to review your policy with your insurance agent to make sure that you’re aware of all your options. You can also shop around for cheaper coverage, which could really pay off if a tree happens to fall on your car in a freak windstorm.

If you don’t know if you have comprehensive coverage, just call your insurance agent and ask them. You’ve read this guide, so now you know all the other questions to ask them as well.

What is full coverage auto insurance?

Full coverage auto insurance isn’t really a thing, but the term is used fairly commonly to describe the driver who carries their state-required minimum level of insurance as well as collision and comprehensive. But don’t be fooled — this doesn’t mean that absolutely everything that happens to their vehicle is covered by their policy.

If you’ve been told you have full coverage, make sure you know what that means for you in terms of the various types of insurance. You don’t want to wait until something happens to find out that your full coverage auto insurance doesn’t cover bullet holes on your vehicle.

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Should I go through insurance about getting my car repaired for bullet holes?

If you have comprehensive coverage, your insurance will cover a bullet hole on your vehicle.  Typically, since by definition these events are out of your control, a gunshot to your car shouldn’t raise your auto insurance premium.

Some things to keep in mind as you begin this process:

  • If you have a history of filing these types of claims, your insurance company might just increase your rates in the future
  • If the bullet holes in your vehicle occurred during the commission of a crime, not only will your insurance company not pay for the repairs but you could also get a visit from your local police or sheriff’s office
  • Be sure to get the repair assessed. Since bullets tend to ricochet, there could be underlying damage to your car’s electronics or safety features. While the bullet hole is covered under insurance, be sure there isn’t anything else that got damaged as well.
  • If the damage is just to a window or your windshield, it’s possible the repair cost is less than the deductible. It won’t hurt to file an insurance claim, but be aware that the total cost might have to come out of your pocket anyway.

Below are some frequently asked questions about auto insurance and bullet holes. Keep reading for more information on this topic.

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Frequently Asked Questions: Does auto insurance cover bullet holes?

If you’d like the answers to the frequently-asked questions about auto insurance and bullet holes, read the below section for some additional information.

#1 – Does homeowners insurance cover bullet holes?

Although it’s possible that your homeowners insurance would cover damage caused by a bullet to or within your home, if the bullet hole is in your car you’ll need comprehensive auto insurance.

#2 – Does insurance cover a bullet hole in a car window?

Yes, if you have comprehensive auto insurance, although if the window repair is less than your insurance deductible, you’ll need to pay for it anyway.

#3 – Should I file an insurance claim for a bullet hole through glass?

Yes. Your insurance company can always help you with navigating this process. But, depending on the cost of the repair, you might have to pay for it yourself if the repair is less than your deductible.

#4 – Will auto insurance cover replacing a car door due to a bullet hole?

Yes, if the door is damaged enough to be unsafe or non-functional. Otherwise, you are just looking at a surface repair; this repair is still covered, but again its cost may be less than your deductible.

Need low-cost comprehensive or other types of auto insurance to protect against gunshot damage to your car? Enter your ZIP code below to access free quotes for the coverage and cost that’s right for you.

References:

  1. https://www.iii.org/fact-statistic/facts-statistics-deer-vehicle-collisions

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