Does Auto Insurance Cover Hydrolock?

If you are dealing with a hydrolocked engine, you are probably wondering if a locked engine can be fixed. Depending on the amount of water in the engine, it may be possible. Insurance can help you if you have comprehensive coverage, which you can get annually for anywhere from $90 to $230.

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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: Mar 30, 2021

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Fact Source
Hydrolocking is usually caused by people driving through large puddlescarthrottle.com
Hydrolocking can also occur due to a cold air intake systemcarthrottle.com
Hydrolocking is when an engine either seizes or fails due to water in the cylinderscarthrottle.com
Water entering a combustion engine causes many unseen problemscarbrain.com
The first sign of hydrolocking is when your engine stops suddenly.cashcarsbuyer.com
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Imagine you’re driving down the interstate and when suddenly, your engine stops. This unfortunate situation is known as hydrolocking. As you try and get yourself to safety, you wonder, “Does auto insurance cover hydrolock?”

We understand that finding the right insurer for your needs can prove to be a bit of a headache. We will cover every detail of hydrolocking and comprehensive insurance so you can find out if you have what you need.

In the meantime, feel free to type your ZIP code into our helpful tool above to find rates in your area from insurers who will help with a hydrolocked automobile.

What is hydrolock?

Hydrostatic lock, or hydrolock, means a substantial amount of fluid is disallowing your pistons from operating fully. According to the publication autoevolution, fluid must enter one or more cylinders in a volume that is greater than the vehicle’s combustion chamber allows.

In essence, a hydrolocked engine is a seized engine.

Will a seized engine start? Although your starter will attempt to crank the engine, the answer is no. The only way to get it to start again is an intensive repair to your engine or, more likely, an outright replacement. This is all dependent on how much water is in the engine.

This video demonstrates what a seized engine will sound like when you attempt to start it.

Does insurance cover hydrolock? It is extremely dependant on your policy and the extent of the hydrolock damage.

The form of coverage most likely to assist you is comprehensive insurance. Comprehensive insurance covers any damage that doesn’t stem from impact with another vehicle or object, which would be covered by collision insurance. You can learn more at the following link about collision vs. comprehensive coverage.

Here’s a video explaining the purpose of comprehensive insurance, coverage levels, deductibles, and other information related to this form of coverage.

Inclimate weather is one of the main reasons for getting comprehensive coverage. Vast rain accumulation is the primary cause of hydrolocking. If you live in an area prone to high volumes of rain or flash flooding, you most definitely want to purchase comprehensive coverage. In fact, the Insurance Information Institute specifically sites flooding as a reason to hold comprehensive coverage.

Let’s take a look at average rates for comprehensive coverage across the country.

Average Annual Comprehensive Auto Insurance Coverage Rates by State
StatesAverage Annual
Comprehensive 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
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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Causes of Engine Flooding

Once you are in a situation where your vehicle is showing symptoms of a seized engine, it is difficult to reverse them. Depending on the extent of flooding in the engine, it could very well be ruined. This is why it is best to avoid driving through water.

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What are the causes of engine flooding? It usually occurs during starting. This is particularly true when it’s particularly cold outside or the accelerator in the vehicle is over-pumped. Engine flooding can prove to be an equally severe problem with excessively hot temperatures, as the fuel in the carburetor float chamber may evaporate excessively.

Here is a video further explaining a flooded engine, what you should do should this happen to you, and why your engine may flood to begin with.

In short, the answer to “Does car insurance cover hydrolock or hydroplaning?” is to get as much comprehensive coverage as possible. For instance, Progressive’s car insurance covers more water damage compared to other insurers.

If you live in an area known for its surplus of rain, make sure that you consult with your chosen insurance agent about getting the proper coverage for such a situation. Usually, it would be best to get a new car, but insurance won’t always total a flooded car unless there’s more extensive interior damage.

In the meantime, please feel free to type your ZIP code into our helpful tool below to find reasonable rates in your area for the comprehensive coverage that will help you with your hydrolocked automobile.

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Frequently Asked Questions: Does auto insurance cover hydrolock?

#1 – Can a locked engine be fixed?

Yes, but if it’s fully locked, it is most likely going to require extensive repair.

#2 –How much water does it take to hydrolock your vehicle and does hydrolock total your car?

It all depends on what engine you have. If you have an engine with a total volume of 555.55 ml, it would take about 56ml of water in a single-cylinder to hydrolock it. This is comparable to totaling, as it takes an extreme amount of water to get to the point where your vehicle is totaled.

#3 – How much does it cost to fix a hydrolocked engine?

The cost of repairing a hydrolocked engine can run anywhere from $3,000 to $8,000.

#4 – What do you do if your automobile is hydrolocked?

You must remove the water from the cylinders, remove the spark plugs, and crank the engine over.

#5 – Can you name three factors that can impact your monthly auto insurance premium?

Your demographic factors, coverage levels, and driving habits are usually three of the biggest factors in determining auto insurance rates.

#6 – Does car insurance cover water damage to an engine? Will insurance cover flood damage?

Comprehensive coverage will cover certain types of water damage, though it is dependent on the cause. If it is damaged in a flood, you should absolutely file a flood damage insurance claim.

#7 – Will a hydrolocked engine turn over?

Possibly, if you remove the spark plugs or injectors.

#8 – What is not covered in car insurance?

Normal wear and tear sustained by your vehicle will not be covered by insurance.

#9 – How do you fix a hydrolocked engine?

If the damage is not too significant, the ultimate goal is to remove the water from the flooded cylinders.

#10 – Will car insurance cover a blown engine?

Perhaps, but the engine damage must have been caused in an accident.

References:

  1. https://www.autoevolution.com/news/engine-hydrolock-how-water-can-damage-or-destroy-your-engine-90270.html
  2. https://www.iii.org/insuranceindustryblog/your-car-got-flooded-will-your-insurance-help/

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