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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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: Aug 24, 2021

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Just the Basics

  • If water gets into your engine and causes it to seize, your vehicle has a hydrolocked engine
  • Comprehensive coverage will cover the cost of repairs for a hydrolocked engine if the damage is the result of weather, but not if it’s the result of negligence or irresponsible driving
  • Comprehensive coverage will cost you an average of $148 per year

A hydrolocked (also called hydrostatic lock) engine occurs when water gets in your engine, specifically the combustion chamber, and causes it to seize. If this happens to your vehicle, it won’t run, and the cost of repairs can be quite expensive.

So is a hydrolocked engine covered by car insurance? Is car water damage covered by insurance? Does GEICO cover hydrolock?

It’s important to understand the different types of car insurance coverage to make sure you’re protected. Read this article to find out everything you need to know about coverage for a hydrolocked engine.

Start shopping for affordable car insurance for a hydrolocked engine by using your ZIP code in our tool to get a free quote right now.

Does car insurance cover a hydrolocked engine?

Car insurance may or may not cover a hydrolocked engine, depending on how the damage occurred. To be protected, you’ll need more than just liability or collision coverage because these don’t cover water damage to your engine; you’ll need car insurance for a hydrolocked engine.

Specifically, you’ll need comprehensive insurance coverage, which provides financial protection when your vehicle is damaged by something other than a collision (this can include weather and fire damage, vandalism, and even theft).

As we noted above, a hydrolocked engine may or may not be covered by your policy, even if you have comprehensive coverage.

If the damage occurred due to poor vehicle maintenance or irresponsible driving (i.e., intentionally driving through deep puddles, etc.), your insurance won’t cover the cost of damages.

Keep reading for average car insurance rates for a hydrolocked engine, how to save, and more.

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How much does car insurance coverage for a hydrolocked engine cost?

The average rate for comprehensive coverage is $12 per month, or $148 per year, according to the National Association of Insurance Commissioners, but you’ll need more than just comprehensive. Take a look at this table to see average rates for various core coverage options.

Average National Car Insurance Rates: Comprehensive, Collision, and Liability
Coverage TypeAnnual Car Insurance RateMonthly Car Insurance Rate
Comprehensive Coverage$148$12
Collision Coverage$323$27
Liability Coverage$539$45

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Keep in mind these rates are an average, and what you pay may vary based on several factors, including where you live, your age, driving record, and more.

You can save on your insurance coverage by asking about discounts and comparing car insurance quotes for a hydrolocked engine from multiple companies.

When and how should you file an insurance claim for a hydrolocked engine?

If you find yourself with a hydrolocked engine, you’ll need to call your insurance company (or follow your insurer’s preferred method for claim filing) to file a comprehensive claim.

The insurance company will be looking for clues as to how the hydrolock occurred, and what they find will determine whether or not your claim will be accepted (recall the difference between acceptable damage and damage that results from negligence or abuse/misuse of your vehicle).

The company will also consider how long you’ve carried comprehensive coverage. If your insurer can prove that you bought a comprehensive policy after the damage occurred, your claim will be denied (and you might even be accused of fraud).

So how much does it cost to fix a hydrolocked engine? If you choose not to use your insurance coverage (or your policy doesn’t cover your situation), you’ll have to pay out of pocket, and the cost to repair a hydrolocked engine can average between $3,000 and $8,000.

Is a hydrolocked engine covered by car insurance?: The Bottom Line

Depending on when and how the damage occurred, a hydrolocked engine may or may not be covered by your comprehensive insurance policy.

Most insurance companies will accept your claim if the damage is weather-related, but if it results from poor maintenance, foolish driving, or misuse, your claim will be denied.

You should always comparison shop before deciding on the best car insurance company for a hydrolocked engine to meet your needs.

You can reduce your chances of experiencing a hydrolocked engine by listening and adhering to all storm and severe weather warnings and evacuations, not purchasing a vehicle that has been in a flood, and avoiding puddles, particularly if you can’t determine the depth.

Are you ready to buy car insurance for a hydrolocked engine? If so, enter your ZIP code in our rate comparison tool to get your first free quote and start shopping today.