Does car insurance cover flat tires?

Does car insurance cover flat tires? No, because a car's wear and tear is to be expected. However if theft or vandalism is involved, your car insurance may cover it. Damage to your car caused by flat tires could potentially be covered too. If your car suffers damage because of a tire blowout, your insurer will pay for part of the repairs. A roadside assistance program is a good alternative to assist you in the event of a flat tire.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 20, 2022

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The Highlights

  • A flat tire is usually not covered by car insurance because it is considered regular wear and tear
  • Specific flat tire situations, such as vandalism or tire blowouts resulting in damage, may be covered
  • Buying additional roadside assistance coverage may give you coverage for unexpected situations

You pay for car insurance because you want to be covered when the unexpected happens. Tire replacement and maintenance are an inevitable part of owning a car, but many tire failures are unavoidable and unpreventable.

Individual coverage varies depending on the policy. That’s why it’s important to compare car insurance companies and their auto policies. So does car insurance cover flat tires?

Before you learn if car insurance covers flat tires, enter your ZIP code into our free tool to find affordable car insurance quotes near you.

Will my car insurance company cover flat tires?

Usually the answer is no. If something happens like you run over a sharp piece of metal or drive on bad tires and get a flat, your insurer won’t see the company as responsible for paying for a claim.

Can you buy car insurance coverage to cover flat tires? Yes, your car insurance may cover the cost of repairing or replacing your tires after they’ve been damaged, depending on the type of damage, your policy and types of coverage options offered.

Take an unforeseen incident like running over a pothole. If this type of incident causes your flat tire, you may be protected if you have collision coverage.

Comprehensive is another higher level of coverage that covers things like vandalism. If you aren’t sure that your policy has either of these, you can compare the benefits of collision versus comprehensive coverage for your needs.

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Types of Car Insurance Coverage for Flat Tires

Now that you know if your insurance covers you in the case of a flat tire, it’s best to compare car insurance rates to see that you’re getting the best deal possible.

Now that you know more about if car insurance covers flat tires, enter your ZIP code into our free tool right now and you’ll get car insurance rates from the best companies in your area.

Frequently Asked Questions: Does car insurance cover flat tires?

If you have more questions about what car insurance covers in relation to flat tires, here are your answers.

#1 – What repairs does car insurance cover?

Routine repairs like new tires and engine tune-ups are not covered. You can buy car insurance, such as comprehensive and collision insurance, to cover repairs caused by factors out of your control.

#2 – Does insurance cover tires being slashed?

Yes, but only if you have comprehensive insurance coverage.

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