Does car insurance cover bumper damage? [Rates + More]

Does car insurance cover bumper damage? Bumper damage auto insurance exists in the form of full coverage which includes collision auto insurance. Affordable car insurance for bumper damage is possible. The average cost of full coverage auto insurance in the U.S. is $79.58/month.

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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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A Concise Overview

  • Collision coverage will cover damages to your vehicle from an accident, even if you’re at fault.
  • You’ll have to pay your deductible first before your insurance will pay the rest.
  • Your auto insurance will likely increase after a collision claim unless you have accident forgiveness.

Does car insurance cover bumper damage? That depends on what type of auto insurance coverage you have on your vehicle.

Even if you’re at fault in an accident, collision insurance should cover damages. Accidental damages or damage caused from a collision is covered under full coverage. Learn how bumper damage affects car insurance rates in this guide.

Make sure you have the right type of coverage that will pay for repairs. Enter your ZIP code above to get free quotes from multiple insurers before learning more about if car insurance covers bumper damage. Find the best bumper damage car insurance company for you now.

Should I file an auto insurance claim for bumper damage?

If your vehicle has suffered bumper damage, you probably have many questions. “How do I claim insurance on bumper damage?” “If you hit a pole with your car, will insurance cover it?” “What is covered for your own damage by your car insurance?”

First off, liability-only insurance won’t cover any of your own damages. If your car was hit in the parking lot and you don’t know who did it, liability is no use to you.

In order to get insurance to cover your own damages, you’ll need to have full coverage which includes collision insurance. Collision insurance covers some costs for vehicular damage to your vehicle in an accident where you are at-fault.

This video from Geico further explains collision insurance and what it covers.

You will have to pay your deductible first, though it may not cover all associated costs.

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How much will my insurance go up after bumper damage?

If you make a collision claim for your vehicle, your rates will climb. The table below shows how much your coverage can go up on average for the major insurers.

Average Annual Auto Insurance Rates After One At-Fault Accident
CompaniesAverage Annual Rates with a Clean recordAverage Annual Rates with a Accident
USAA$1,933.68$2,516.24
Geico$2,145.96$3,192.77
American Family$2,693.61$3,722.75
Nationwide$2,746.18$3,396.95
State Farm$2,821.18$3,396.01
Progressive$3,393.09$4,777.04
Travelers$3,447.69$4,289.74
Farmers$3,460.60$4,518.73
Allstate$3,819.90$4,987.68
Liberty Mutual$4,774.30$6,204.78
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One at-fault accident can increase your rates 20 to 49 percent depending on insurers. However, many insurers offer accident forgiveness for your first at-fault accident, in which case your rates shouldn’t increase much, if at all.

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How much does it cost to repair a bumper?

CashCarBuyers reports that the average front bumper repair cost can be anywhere between $50 and $2,000. It depends on how heavily it’s damaged and, importantly, what type of vehicle it is.

If you have a 2005 Ford Focus, the plastic bumper repair cost will be a lot less than a 2020 Mercedes-Benz C-Class. That might be a more extreme example, but the age and type of vehicle determine repair costs.

How much does a car door replacement cost?

Just like the bumper, a damaged car door’s cost will vary based upon what type of vehicle it is. Some estimators state that it will cost between $800 and $2,500. With collision insurance, you should only have to pay your deductible.

Make sure you have the right type of coverage to cover bumper damage. Buy bumper damage car insurance now by entering your ZIP code to get FREE bumper damage car insurance quotes from multiple insurers.

References:

  1. https://www.cashcarsbuyer.com/front-bumper-repair-cost/

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