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 19, 2021

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Just the Basics

  • Clutch replacement will typically cost $1,200 to $1,500
  • Your auto insurance does not cover normal wear and tear on your vehicle
  • Full coverage on your car will help cover the cost if you were in an accident

Because all policies are not created equal, your clutch replacement will only potentially be covered with collision and comprehensive insurance.

Even then, it is very likely that you will still not be able to use insurance to pay for it.

You can’t file a claim for clutch replacement if the clutch malfunctions or breaks from wear and tear. Your insurance will not cover it.

There are a few additional options you can explore to help you pay for your clutch replacement, such as your car’s warranty.

Once you’ve learned more about clutch replacement car insurance, you can search for affordable car insurance by entering your ZIP code above.

How much is a clutch replacement?

Though the number varies, you can expect to pay no less than $1,200 for your clutch replacement. This takes into account the cost of the materials and the cost of labor.

In some instances, a clutch replacement can cost close to $2,000. You can speak with a trusted mechanic to get more information based on your specific car.

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Is a clutch plate covered under insurance?

Whether your car insurance will cover clutch plate repair or clutch replacement depends on two factors: why the clutch needs to be replaced and what type of coverage you have.

If the clutch needs to be replaced because of typical wear and tear, your car insurance will not cover it. However, if your clutch was damaged in a car accident or due to vandalism or a natural disaster, your insurance could cover it.

At that point, it would fully depend on the type of coverage you have. While there is no true clutch insurance, full coverage that includes comprehensive and collision insurance could help with the cost of repair.

Collision insurance would cover your clutch replacement if it were damaged in a car accident. Similarly, comprehensive coverage would cover clutch repair if your car was vandalized.

Is a clutch plate covered under warranty?

Your clutch plate and clutch replacement may be covered under your car’s warranty. To learn whether that’s the case, you will need to check with your lender or the company you have your warranty with.

Car warranties may specify certain repairs that are outside of coverage. While a clutch replacement is a standard repair, certain warranties may choose to partially cover it or not cover it at all.

Should I file a claim for my clutch replacement?

If you have determined that your car insurance will help to pay for the repair or replacement of your clutch, your next step is to file a claim.

While you cannot buy clutch replacement car insurance with a specific clutch replacement car insurance company, you can use your full coverage insurance to help if you’ve been in a car accident.

Filing a claim should be fairly simple. You can call your insurance company or even go to the company’s app or website in some cases. You may need to answer additional questions.

If your clutch was damaged in an accident, it’s likely that your car will need other repairs in addition to your clutch.

Finding a mechanic you trust to do the work is extremely important as this could impact both the cost and the longevity of your new clutch plate.

Replacing a clutch typically costs $1,200 to $1,500. If you were in a car accident that damaged your clutch, and your deductible is $500 or less, it may be worth it to file a claim.

However, it will be difficult to factor in the higher car insurance rates you can expect when you renew your policy. More often than not, filing a claim will cause your insurance rates to increase at least slightly.

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What do I do after a clutch replacement?

Once you have had your clutch replaced, you will need to communicate with your insurance company to work out the payments. If you paid out of pocket, you are good to go.

Regardless of how you financed the repairs to your vehicle, your next step should be to shop around for car insurance.

You never know when you will need help from your car insurance company. If you have the minimum requirements for car insurance, shop around to find car insurance rates that work for you.

Now that you’ve learned more about clutch replacements, enter your ZIP code below to discover car insurance quotes in your area.