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

  • Standard car insurance coverage does not cover a dead battery
  • Roadside assistance and individual warranties may help with battery replacement costs
  • Car batteries can cost anywhere from $50-$200

If you have ever tried to start your car without success, you know how frustrating it is to have a dead battery.

Car batteries can die without warning, leaving you to wonder what to do to fix the situation. If you are curious whether your insurance will help you pay to replace your car battery, the answer is no.

There isn’t specific dead batter car insurance that can be purchased. Insurance does not typically cover typical wear-and-tear damage, which is what car battery replacement falls under, even if you know what to look for in a good policy.

However, certain insurance coverages—like roadside assistance—could offer a jumpstart or a tow while you work to figure out all of your options.

While you can’t buy insurance for a dead battery, you can enter your ZIP code above to compare quotes for car insurance options that work for you.

Does car insurance cover a dead battery?

When you have a dead car battery, you can get away with jumpstarting it for a little while. After that, you will need to replace the battery to avoid being stranded.

Replacing your vehicle’s battery can typically cost anywhere from $50-$200, and this cost will not be covered by regular car insurance.

The truth of the matter is, even if your insurance would cover the battery replacement costs, most deductibles start around $500, so filing a claim would be counterintuitive.

Rather than counting on standard car insurance coverages, such as collision or comprehensive insurance, to help with your battery problems, you may need to turn to roadside assistance.

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Would roadside assistance cover my dead battery?

If you don’t have roadside assistance, you likely won’t have dead battery coverage. Roadside assistance programs cover things like:

  • Dead battery jumpstarts
  • Fuel deliveries
  • Towing
  • Lockout services
  • Labor to change a flat tire

With roadside assistance, you would be covered if your car ran out of gas along a stretch of highway and you were stranded.

Most roadside assistance plans offer incentives for things like towing and fuel services, offering small distances or small amounts for free if you’ve included the coverage in your insurance plan.

Many roadside assistance plans offer towing services, though most will only cover a tow to the closest service station. After that distance, you will likely find yourself paying a certain amount per mile.

With a dead car battery, roadside assistance would likely first try to jumpstart your vehicle for you to make it to your destination. If that does not work, or at your request, they would then tow your car to a service station.

Regardless of whether you have roadside assistance or decide to take matters into your own hands, you should always make sure your safety is a top priority when considering car breakdown safety with a dead battery.

How much is roadside assistance for a dead battery?

Roadside assistance programs vary when it comes to cost and services.

Purchasing roadside assistance through your existing insurance company may cause you to pay anywhere from $20 to $40 more per year. That makes it a pretty affordable dead battery car insurance option.

Third-party roadside assistance plans can cost up to $300 per year with fees. With roadside assistance, the increase in cost typically means receiving more benefits.

One plan, for example, may offer lower monthly costs, but the benefits may be next to nothing. This is why it is always vital to compare multiple options before deciding on the best one for you.

Are there other options that may cover my dead battery?

Another option for dead battery coverage is your car’s warranty outside of roadside assistance plans. If your vehicle is under warranty, you may be able to have your battery replaced for no additional cost. The battery itself may also be under warranty.

If your battery was damaged in a car accident, you might be able to utilize collision coverage to help pay for the cost. You will first need to check to ensure you have enough accident coverage for the claim.

You will likely be doing a lot more than just replacing your car battery, so this would make sense, as you will still need to pay the deductible.

Is car battery theft covered by insurance?

If your car battery was stolen, you may be covered with the right insurance. In this case, comprehensive coverage would take care of the stolen battery and other items missing from your vehicle.

If you do not have comprehensive coverage, you will not be reimbursed for damaged or stolen items.

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What car insurance companies offer battery replacement?

Does Progressive car insurance cover battery replacement? What about other companies. You cannot simply buy dead battery car insurance from companies like Progressive.

Most insurance companies offer roadside assistance, but there is no dead battery car insurance company that will offer dead battery car insurance quotes for you to compare.

Before buying roadside assistance or other coverages from any company, you need to shop around to find options that work best for your life and budget.

Now that you’ve read more about dead battery car insurance rates, enter your ZIP code below to compare quotes from top companies in your area.