Does car insurance cover maintenance?

Car insurance doesn't cover maintenance on your vehicle. The average cost of car maintenance is $113/mo. Meanwhile, auto insurance only covers bodily injury and property damage. Emergency roadside assistance provides maintenance services, but it doesn't maintain a customer's vehicle long term. Shop around and compare various companies to get the best rate.

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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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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

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 21, 2022

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The Highlights

  • Car insurance does not cover routine maintenance
  • Repairs and maintenance are two different things
  • The average cost of car maintenance is $113 a month
  • Extended warranties and mechanical breakdown insurance won’t cover regular maintenance

Car insurance covers accidents, but does it cover car maintenance? Auto insurance is known for covering bodily injury and property damage. When it comes to maintenance, you may find yourself disappointed by your insurance company.

Our guide explains everything you need to know about car maintenance and if it’s covered by auto insurance. Also, we’ll show how to compare car insurance.

Read through this article until you learn everything about how car insurance covers maintenance. When you’re done, enter your ZIP code in the free comparison tool above to compare the top companies in your area.

Does car insurance cover maintenance?

The short answer is no. Auto insurance companies do not provide any type of coverage for car maintenance.

According to NAIC’s car insurance consumer guide, car insurance policies do not include maintenance.

But what is car maintenance? Here’s a list of things that are considered general car maintenance.

  • Oil Change
  • Battery
  • Brakes
  • Tires
  • Power-Steering Fluid
  • Fuel Filter
  • Coolant
  • Engine Belts & Timing Belts
  • Spark Plugs

The average cost of vehicle maintenance is $113 a month. But, car maintenance costs vary for each person depending on a number of factors, including the type of vehicle you own. 

Although emergency roadside assistance can help you change a tire, boost a battery, or refuel your car, roadside assistance doesn’t maintain your vehicle over time.

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Does car insurance cover mechanical problems?

It depends on your situation. If you get into an accident, you can get insurance coverage in two ways:

  • The at-fault driver’s liability coverage pays for car repairs
  • Collision auto insurance covers the cost of damage from an accident

Any mechanical problems from accidents that didn’t involve a collision are covered by comprehensive insurance.

Faulty repairs and normal wear aren’t covered by auto insurance. Also, you can’t use rental car reimbursement in situations outside of accidents.

Is there insurance for car maintenance?

For an auto insurance policy, there is no insurance for vehicle maintenance.

However, if an auto shop made a mistake on your last maintenance check, you could be compensated through its general liability coverage.

Most car repair shops have umbrella and liability policies that help customers recover if the car repair shop is at fault after performing maintenance services.

You’ll have to pay out-of-pocket expenses for faulty self-repairs. But what about mechanical breakdown insurance?

Continue reading to learn more about mechanical breakdown insurance.

Can mechanical breakdown insurance cover car maintenance?

No, it can’t. Mechanical breakdown insurance is designed to help drivers cover sudden vehicle breakdowns when an extended warranty runs out.

If you’re not eligible for an extended warranty, you can find a mechanical breakdown insurance program.

Shop around with various companies until you find the coverage you’re looking for.

You can buy mechanical breakdown insurance through most of the nation’s top providers for $50 a year, on average.

Many people mistake GEICO’s mechanical breakdown insurance as “GEICO extended warranty.” Search for mechanical breakdown insurance instead of warranties.

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Do extended warranties cover car maintenance?

No, they don’t. Extended warranties only cover mechanical breakdowns.

In most cases, basic manufacturer car warranties last for at least three years or 36,000 miles, whichever comes first.

When standard warranties expire, the extended warranty continues to cover the cost of repairs from a mechanical breakdown.

The cost of an extended warranty is determined by the number of miles on the vehicle. Although warranties cover mechanical breakdowns, they don’t repair normal wear and tear.

What’s the difference between car maintenance and car repairs?

Car maintenance is a general service to your vehicle to keep it running properly. But car repairs are services that restore a vehicle to working order.

You can only receive coverage for vehicle repairs if you’ve been in an accident. A car warranty covers the cost of faulty repairs done by the dealership or manufacturer.

Car Insurance for Maintenance: The Bottom Line

Auto insurance companies cover bodily injury and property damage after you’ve been in an accident. Meanwhile, mechanical breakdown insurance provides coverage for sudden mechanical problems.

Car warranties are technically the mechanical breakdown insurance for customers through a dealer or manufacturer.

You won’t find long-term insurance for car maintenance. Roadside assistance is an emergency service, but you can’t use it for oil changes and brakes.

Car insurance doesn’t cover car maintenance, but our free online quote tool can help you locate multiple companies in your local area.

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Your one-stop online insurance guide. Get free quotes now!

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