Does auto insurance cover slashed tires?

Auto insurance covers slashed tires if you have comprehensive coverage. Comprehensive car insurance for slashed tires and other acts of vandalism costs an average of $13/month. Basic coverage will not cover slashed tires, so add comprehensive to your policy before you need to file a slashed tire claim.

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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:

  • Comprehensive auto insurance will cover slashed tires and other damages to your car caused by vandalism.
  • On average, comprehensive insurance costs $13/month.
  • Comprehensive insurance also covers damages to your vehicle resulting from theft or severe weather events.

After enjoying a meal at a new local restaurant, you walk back to your car and see that all of its tires are slashed. Questions begin swirling around your head: Does auto insurance cover slashed tires? How much does it cost to fix a slashed tire? What kind of insurance will cover slashed tires? Do companies offer tire insurance?

Yes, auto insurance covers slashed tires, but only if you have comprehensive auto insurance. Find out how much comprehensive or other forms of auto insurance will cost you in our helpful guide below. Before learning more about how and when car insurance covers slashed tires, enter your ZIP code here to get quotes for the cheap comprehensive auto insurance.

Comprehensive Coverage and Slashed Tires

Knowing how to buy auto insurance is vital. How does auto insurance work? Let’s start with this video explanation from Allstate:

There are different types of auto insurance coverage. All U.S. states have minimum requirements for auto insurance, but these are mostly limited to the lowest levels of coverage that pay for injuries and damages related to vehicle collisions. While these state minimums will fulfill the letter of the law, basic coverage will not cover slashed tires or events unrelated to a collision.

What is comprehensive coverage? Many vehicle owners choose to purchase comprehensive insurance, which, although optional, will pay for damages resulting from non-collision events such as vandalism, theft, extreme weather, and slashed tires. Buying comprehensive coverage is an individual decision and depends on factors such as the value of your vehicle, your chances of encountering non-collision events, and/or your own peace of mind.

In short, you’re required to carry certain levels of liability car insurance that include coverage for bodily injury and property damage, as well as collision insurance for vehicle damage. However, you will need comprehensive coverage for slashed tires. The best way to tell if slashed tires are covered in your plan is to ask your insurance company.

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Comprehensive Deductibles

You probably don’t want to pay a lot of money for your comprehensive insurance, yet you also want to have your deductible be as low as possible so that if you do have a claim, you don’t have to break the bank when you need to pay the deductible.

The table below shows the average annual rates drivers pay for comprehensive auto insurance coverage 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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As you lower the deductible amount, the cost of your insurance will increase. How high should your comprehensive deductible be? It depends on how you choose to balance your insurance payments with how likely you think you are to have a claim.

You will have to pay a deductible to get slashed tires replaced or any other claim for damage within the scope of your comprehensive policy. If the deductible is more than replacing the tire, you will have to pay for the cost of the tire.

What other coverage should I consider for slashed tires?

Car insurance does not cover tire damage if it’s caused by normal wear and tear. However, if you experience a blowout or you sustain damage due to driving through a pothole, it’s possible that your car insurance would cover this wheel damage.

The type of coverage and the details will vary by state and according to your policy, so be sure to check with your insurance company to see what you’re covered for, or what it will take to cover you under various scenarios of concern.

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What To Do When Your Tires Are Slashed

Here are some steps to follow when you have slashed tires and need to know what to do:

  • Call the police and file a police report. If you’re the victim of an act of vandalism, there may be video footage or other information to help the police determine who did it and be on the lookout for any future acts. This video from ABC 10 News in San Diego shows an example of how video footage can be helpful:

  • Make arrangements to get your vehicle moved to a safe location, or even right to your mechanic. That way, you can get the wheels checked out for any further damage as well as obtain an estimate for the tire replacement and any other repairs.
  • Call your insurance company to open a claim; we’ll cover this more in the section below.
  • If you suspect that you’ve been the object of vandalism, you might also consider consulting with a personal injury attorney.

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Filing an Insurance Claim for Slashed Tires

The steps to file a slashed tire claim are not much different than any other insurance claim. Call your insurance company as soon as possible and explain the situation to them. They’ll let you know what information you need when filing a claim. More than likely, they’ll want to see a copy of the police report and any photos taken of your vehicle in the spot where the damage occurred.

Filing a comprehensive claim won’t make your rate go up. Damage caused by external forces such as vandalism has no bearing on your ability to drive safely.

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Now that you know more about how auto insurance may cover slashed tires, enter your ZIP code in the box below to get started right away on quotes for affordable comprehensive insurance.

Frequently Asked Questions: Does auto insurance cover slashed tires?

#1 – What are the common reasons for slashed tires?

Slashed tires can often indicate vandalism, but there are other causes of tire damage that include:

  • Underinflated tires.
  • Driving with a misalignment.
  • Failure to rotate tires.
  • Hitting a curb.
  • Sharp objects such as road debris or gravel.

As you can see, many items on this list can be prevented through routine maintenance.

#2 – Does Geico cover slashed tires or stolen wheels?

Generally speaking, when slashed tires are considered acts of vandalism, they are covered by Geico’s comprehensive insurance. In this same fashion, USAA covers slashed tires as well. Stolen wheels are also generally covered by comprehensive insurance.

#3 – Why do people only stab out three tires?

While we can’t speak to the motivations of potential vandals, we can tell you that there is a widely-held and false belief that auto insurance companies won’t cover all four tires if they are damaged through acts of vandalism. Even if just one tire is damaged, it would be covered within a comprehensive policy, although it’s possible that the cost of the repair could be less than the deductible in this instance.

References:

  1. https://www.nhtsa.gov/equipment/tires

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