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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Nov 24, 2021

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The Short of It

  • Some auto insurance does cover paint jobs, like comprehensive and collision insurance
  • Your liability insurance never pays for your own car’s paint job
  • Some paint repair costs less than your insurance deductible and therefore is not covered by your auto policy

Spotting scratches or dings on the exterior of your car is not uncommon. But does auto insurance cover paint jobs?

Fortunately, two of the most common auto insurance coverage options, comprehensive and collision insurance, help cover paint jobs in certain situations.

Below, learn all about affordable auto insurance that covers paint jobs, including when it makes sense to file a claim and what scenarios are not covered by your auto insurance policy.

After reading about how to buy auto insurance that covers paint jobs, remember to secure the best coverage for you by entering your ZIP code into our free rate comparison tool above.

What types of auto insurance cover paint jobs?

Only certain types of auto insurance coverages cover paint jobs. While neither type is required by any state laws, the policies are often recommended as optional coverage.

What is recommended for auto insurance coverage? Beyond your state’s legal requirements, experts suggest investing in the highest liability limits you can afford, plus additional comprehensive and collision coverage.

For auto insurance that covers paint damaged by acts of nature, vandalism, or other instances that occur when your vehicle is parked, you must invest in comprehensive insurance.

Similarly, for auto insurance that covers paint jobs damaged in an accident regardless of fault, you’ll need collision coverage.

Both of these coverages have deductibles associated with them, typically around $500.

Ensure the cost of damage exceeds your deductible limits, or else you’ll be ineligible to file a claim.

Learn more about what these insurance types specifically cover and how much they cost on average in the table below.

Auto Insurance Coverage Types That Cover Paint Jobs
DetailsCollision InsuranceComprehensive Insurance
What it coversCovers damage to your vehicle while in motion, including the paint job, regardless of fault.

Protects your car if it hits another car or a still object, like a tree, telephone pole, or building.

A deductible applies.
Covers damage to your vehicle while parked, including the paint job.

Protects your vehicle from acts of nature, auto theft, vandalism, animal damage, flooding, and fires.

A deductible applies.
Average annual cost$322.61$148.04
Average monthly cost$26.88$12.34
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So, nationally, comprehensive auto insurance quotes that cover paint jobs cost $12.34 per month or $148.04 annually on average.

However, collision auto insurance rates that cover paint jobs cost $26.88 per month or $322.61 annually on average.

Know that filing a collision claim may impact your rates. You could see a subtle increase in your policy during the renewal term. However, filing a non-fault comprehensive claim typically does not affect your rates as much.

Comprehensive and collision policies are typically considered optional coverages. Investing in both is sometimes referred to as full coverage auto insurance.

While most states legally require drivers to purchase liability auto insurance, your liability policy never covers damage to your own car.

Instead, it pays for another driver’s paint job if you cause an accident that damages the exterior of their vehicle.

This means if another driver hits you and is responsible for causing the accident, their liability insurance may cover your vehicle’s paint job. In this scenario, you file a third-party claim against their insurance company.

Similarly, if your state requires uninsured motorist coverage, the property damage levels may also cover a paint job, but only if an uninsured motorist hits you.

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When are paint jobs not covered by auto insurance?

There are some scenarios where your auto insurance policy does not cover paint jobs, even if you purchase a full coverage auto insurance policy with comprehensive and collision limits.

If the cost of the paint repairs does not exceed your deductible amount, you cannot file an auto insurance claim.

According to the Insurance Information Institute (III), the average collision insurance claim was around $3,588 in 2020. By comparison, comprehensive insurance claims averaged $1,995 that year.

But minor paint jobs, like scratches, paint chips, and scrape repairs, typically cost between $150 to $250 on average.

Even if you use an auto insurance company that covers paint jobs, it likely will not pay for damage caused by typical wear and tear.

Instead, the damage must be caused by something sudden or imminent, like a car crash or hail damage.

Your insurance doesn’t pay for dull-looking paint, rust spots caused by age, and other deterioration caused by daily use.

Does auto insurance cover paint jobs? The Bottom Line

Some types of auto insurance do cover paint jobs, most notably comprehensive and collision coverage.

However, to file a claim, the cost of the paint damage must exceed your deductible limits.

Fortunately, filing a non-fault comprehensive claim does not impact your rates as much as at-fault or collision claims.

Plus, an at-fault driver’s liability insurance may also pay for your paint job if the accident damages your vehicle’s exterior.

Similarly, uninsured motorist property damage coverage protects your vehicle and covers paint repairs, but only if an uninsured motorist hits you.

Now that you’ve learned about affordable auto insurance that covers paint jobs, enter your ZIP code into our free rate comparison tool below to receive quotes from the best companies in your region.