Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 11, 2021

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Just the Basics

  • Car insurance does not cover routine wear and tear on air conditioners
  • In the event of a car accident, it’s possible that your air conditioning will break, then your insurer will pay for it
  • Basic car insurance covers repairs for accident-related losses

If your car’s air conditioning breaks, you’ll have to get it fixed eventually. Depending on the damage, the cost of repairs can be high. Your first instinct may be to submit a claim to your car insurance company.

Unfortunately, insurance companies sometimes reject these kinds of claims because a standard air conditioning repair is classified under normal wear and tear. There are situations where air conditioning and other repairs are covered, though.

So is air conditioning covered by car insurance? This car insurance guide will tell you everything you need to know.

Before learning more about if air conditioning is covered by car insurance, enter your ZIP code for free car insurance quotes on affordable car insurance from top companies in your area.

Does car insurance cover air conditioner replacement?

Most times, no. If your A/C failed as a result of wear and tear, then your claim will be denied.

When you buy car insurance, basic coverage includes liability insurance, which covers repairs to another car if you are in an accident. For damage to your own car to be covered, you need to purchase collision and/or comprehensive coverage.

If you have this type of coverage and your air conditioner was damaged due to a car accident, then your insurer will cover the cost of repair.

If you’re not covered, another option could be to take advantage of your car’s warranty and try to get the air conditioner fixed or replaced that way.

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Is there car insurance that covers repairs?

You can buy coverage from your car insurance company to cover repairs. Mechanical breakdown insurance is a type of insurance that covers repairs. It’s best to check a company near you since not every insurer offers it.

Now that you know more about if air conditioning is covered by car insurance, enter your ZIP code, and our free tool will give you a car insurance quote.

Frequently Asked Questions: Is air conditioning covered by car insurance?

Have questions about air conditioners and if they’re covered under car insurance? Here are your answers.

#1 – Is car A/C compressor covered under insurance?

Like the other parts of a car, the compressor will only be covered if it has been damaged as a result of a car accident.

#2 – What repairs does car insurance cover?

Normal repairs like tire replacement and engine tune-ups aren’t covered. You can buy additional coverage like comprehensive and collision insurance to cover repairs due to things like bad weather or vandalism.