Does auto insurance cover tornado damage?

Auto insurance covers tornado damage if you carry comprehensive coverage. Comprehensive covers wind damage to your car from tornadoes and other weather events. You can purchase comprehensive car insurance that covers tornadoes for an average of $13/month as part of a full coverage insurance policy.

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Sara Routhier, Managing Editor of Features and Outreach, 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 worl...

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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: Oct 28, 2020

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A Concise Overview:

  • Comprehensive auto insurance covers tornado damage to your vehicle.
  • Comprehensive insurance also covers other severe weather events that can damage your car.
  • Although comprehensive coverage costs about $160/year, it’s not required for you to drive legally.

You live in an area of the U.S. where tornadoes are not a common occurrence, yet a severe weather system is headed your way and the alerts on your mobile device are telling you to take shelter immediately. As you head to the basement, you think of your car parked in the driveway and you ask yourself, “Does auto insurance cover tornado damage?”

Yes, if you have the right kind of auto insurance coverage. Comprehensive auto insurance will pay for damages to your vehicle caused by tornadoes and other non-collision events. Read our guide below to find out more, as well as how to get fast quotes for cheap comprehensive auto insurance.

Enter your ZIP code in the box above to get started, then learn more about how and when car insurance covers tornado damage.

Comprehensive Auto Insurance and Tornado Damage

Comprehensive insurance covers damage to your vehicle caused by something other than a collision. This type of auto insurance covers weather damage, damage caused by animals, theft, or vandalism.  Comprehensive auto insurance covers tornadoes to the extent that they bring hail, which can take out your vehicle’s windows and create dents, and also cause trees to fall, possibly on your vehicle.

Hurricane damage is covered by car insurance, even when the hurricane spawns tornadoes that cause further damage. These also include windshield repair, which particularly comes in handy when hail is involved.

What doesn’t comprehensive insurance cover? Any damage caused by a collision with another vehicle. This is what your liability and collision coverages are intended for.

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How much does comprehensive auto insurance cost?

In the U.S., on average, comprehensive coverage costs $160/year or $13/month. Of course, this will vary by state and the level of coverage you select. Here are the average annual costs by state:

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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How much is tornado insurance in Texas, for example? Comprehensive coverage costs about $187/month in Texas, slightly more expensive than the U.S. average.

If you happen to live in a state where tornadoes are a more frequent occurrence, you will want to consider getting comprehensive coverage.  For an average cost of $160/year, you can get insurance to cover tornado damage and other damage as well.

Other Types of Auto Insurance

Comprehensive is one of several types of auto insurance that you can purchase. In addition to comprehensive coverage, there are other types you might be more familiar with. These coverages are often mandated by your state in order for you to drive legally.

Here’s a quick video explanation:

Liability car insurance coverage has two parts: bodily injury and property damage. Both of these come into play when you have a collision with another vehicle. Bodily injury coverage will pay for medical bills, rehabilitation costs, funeral expenses, and, depending on your state, lost wages and pain and suffering. Property damage coverage will pay for non-vehicle property damages such as fences and houses.

Collision insurance will cover damages to your vehicle when it’s involved in a collision. Your insurance company won’t pay more than your vehicle is worth, even if it’s totaled.

It’s always a good idea to review your auto insurance coverage each year.

That way, you can keep an eye on your car’s actual value over time so that you don’t end up overinsuring it.

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Now that you know more about how and when auto insurance covers tornado damage, enter your ZIP code into our FREE tool below to get quotes near you.

Frequently Asked Questions: Does auto insurance cover tornado damage?

In short, comprehensive car insurance covers tornadoes and tornado damage to your vehicle, comprehensive car insurance covers wind damage to your car, and comprehensive insurance covers hurricane damage. If you have any further questions, we’re here to help.

#1 – Does homeowners insurance cover tornado damage?

Most homeowners insurance policies will cover repairs to structural damage caused by a tornado. If you have personal property coverage included, you’ll be able to cover the things in your home that were also damaged.

However, if your vehicle was damaged, you may need to rely on your comprehensive auto coverage for those repairs unless you have vehicle damage covered within a common deductible policy.

#2 – Does State Farm or USAA homeowners insurance cover tornado damage?

Generally speaking, yes, both companies’ policies will cover damage to your home caused by a tornado, but you’ll want to check with your insurance agent to confirm that you’re covered within your specific policy.

#3– How much damage does a tornado cost?

Recently and in total, tornadoes in the U.S. have caused about $10 billion/year in property damage, with an average damage cost per tornado of $400 million, according to the Insurance Information Institute.

#4 – Does full coverage insurance cover weather damage?

Full coverage insurance is a widely-used general term that can describe many different things. To some, full coverage means that they have met all of their state-mandated requirements for driving legally. For others, it means that they have both collision and non-collision insurance coverage. To the extent that you have comprehensive insurance, it will cover most, if not all, weather damage to your vehicle.

References:

  1. https://www.ncdc.noaa.gov/climate-information/extreme-events/us-tornado-climatology/tornado-alley
  2. https://www.iii.org/fact-statistic/facts-statistics-tornadoes-and-thunderstorms

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