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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Oct 19, 2021

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The Short of It

  • The top auto insurance companies that insure cars with blown air bags are GEICO and Allstate
  • Your own collision or comprehensive coverage or the at-fault driver’s liability insurance covers air bag replacement
  • Your insurance provider does not pay for air bag replacement if your car is totaled

An at-fault driver’s liability insurance or your own comprehensive or collision policies cover most air bag replacement costs. The top auto insurance companies that insure cars with blown air bags are GEICO and Allstate.

Below, learn how to find a provider that will cover your front, side, passenger, and ​​steering wheel air bag replacements after an accident.

After reading about auto insurance quotes from companies that insure cars with blown air bags, remember to enter your ZIP code into our free comparison tool above to receive rates from the top providers near you.

What are the top auto insurance companies that insure cars with blown air bags?

Does insurance cover air bag replacement after an accident? Yes, insurance companies cover air bag replacement costs if your car is not deemed a total loss.

Typically, replacing air bags costs anywhere from $1,000 to $3,000.

Air bags are designed to deploy to keep you safe, so it makes sense that insurance providers replace them.

According to the Insurance Institute for Highway Safety (IIHS), front air bags reduce fatal frontal accidents by 29%, and side air bags reduce side-crash fatalities by 32%.

For SUV drivers, side air bags reduce fatality risks by 52%. To prevent injury from an air bag, sit upright in your seat, ten inches from the steering wheel.

The best auto insurance company that insures cars with blown air bags is GEICO. GEICO offers some of the cheapest rates in most states and is available to all drivers.

Plus, the claims center and customer reviews for GEICO are neutral to positive, and the company offers car repair insurance add-ons.

Car repair insurance is similar to an extended warranty and covers failing air conditioning and cooling systems, engine issues, your transmission, and other vehicle parts associated with a mechanical breakdown.

Allstate is another strong option, as it also offers car replacement policy add-ons, plus its accident forgiveness program is one of the best. However, rates from Allstate are very inconsistent across the country.

Many factors affect the cost of auto insurance, including your age, driving record, coverage needs, and ZIP code.

So check out our comprehensive list of average annual rates after a single accident from affordable auto insurance companies that insure cars with blown air bags:

Ultimately, the best way to buy auto insurance from companies that insure cars with blown air bags is to comparison shop.

Request quotes from multiple providers online and choose the policy that fits your needs and your budget.

Compare Quotes From Top Companies and Save

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What insurance types cover air bag replacements?

Typically, liability, comprehensive, and collision insurance policies replace air bags after an accident.

Remember, you won’t get auto insurance rates from companies that don’t insure cars with blown air bags because all companies replace air bags when a claim meets policy standards.

However, it is a misconception that deployed air bags automatically mean your vehicle is a total loss in the eyes of insurance providers.

In at-fault states, if another driver hits you, their property damage liability coverage pays for your air bag replacements. In no-fault states, it depends on the legal threshold limit.

Otherwise, drivers can use collision or comprehensive insurance to cover air bags regardless of fault.

Comprehensive coverage protects your car while it is parked. So if a tree branch lands on it and your air bags deploy, you’d file a comprehensive claim.

Collision insurance protects your car while it is in motion. So if you crash into a tree or another driver and your air bags go off, you’d file a collision claim.

Affordable auto insurance companies that don’t insure cars with blown air bags usually have a valid reason for doing so.

For example, if your car is deemed a total loss, you’ll get a check for the actual cash value of your vehicle, but you will not technically get any air bag replacement.

So if you buy auto insurance from companies that don’t insure cars with blown air bags to your satisfaction, never hesitate to switch providers.

Why is there an air bag hazard on rebuilt vehicles?

Unfortunately, buying a rebuilt vehicle puts you at risk of missing or malfunctioning air bags.

Perhaps the most notable recall in automotive history is the Takata recall that impacted 42 million vehicles.

Sixty-seven million air bags manufactured by Takata had a defective inflator, resulting in air bag failure and potential explosion upon deployment, especially in hot weather and high humidity locations.

So it’s recommended that drivers of used vehicles verify if there is an air bag deployment on their vehicle history report.

You can do this using your vehicle identification number or VIN.

How do vehicles end up on roads with non-functioning air bags? Typically, it’s a result of unethical state inspection mishaps and a lack of local regulations.

Auto Insurance Companies That Insure Cars With Blown Air Bags: The Bottom Line

You can’t really get auto insurance quotes from companies that don’t insure cars with blown air bags because all providers do replace air bags as long as the claim follows the policy guidelines.

Your auto insurance policy also will not cover mechanical breakdowns, intentional vehicle damage, water damage from an open window, accidents that occur while using your car for business purposes, and driving across the U.S. border.

In fact, your air bags may lead to a discount on your auto insurance policy. Other safety features that can save you money on auto insurance include:

  • Anti-lock brakes
  • Automatic seatbelts
  • Daytime running lights
  • Electronic stability control

But if you use an auto insurance company that doesn’t insure cars with blown air bags to your satisfaction, then shop around for new coverage.

Now that you’ve compared auto insurance rates from companies that insure cars with blown air bags compare quotes from the top providers near you by entering your ZIP code into our free tool below.