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: Aug 26, 2021

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Just the Basics

  • Liability, collision, and comprehensive cover scratches and dents after an accident or other events
  • Car insurance companies won’t cover scratches and dents that were already on your vehicle
  • Your car insurance company won’t cover scratches and dents on cars that you borrow

Have you noticed any scratches and dents that appeared suddenly on your vehicle? It can be frustrating to be out shopping and return to see that your car has dents and scratches.

Does car insurance cover scratches and dents? Fortunately, there’s a way for you to get coverage for this situation and others.

Our car insurance guide explains everything you need to know about auto insurance coverage for scratches and dents. We’ll show you which auto insurance options can provide coverage for scratches and dents and a lot more.

After you learn how car insurance covers scratches and dents, enter your ZIP code in the free online quote tool above to compare rates from multiple companies near you.

Are scratches and dents covered by car insurance?

The short answer is yes. But, your coverage will depend on the situation. Let’s go over a few examples.

Does insurance cover scratches and dents when I’m not at fault?

If you’re a no-fault driver in an accident, the at-fault driver’s liability insurance will pay for the damage. That includes scratches and dents.

Does insurance cover dents in cars when I’m at fault?

Your liability coverage will pay for dents and scratches of the no-fault driver. That means their scratches and dents, but not yours.

Collision auto insurance provides coverage for your scratches and dents if you’re the at-fault driver. Collision insurance pays for damage to your vehicle regardless of fault.

Getting a scratch or dent that doesn’t involve a collision is covered by comprehensive insurance.

Your comprehensive auto insurance covers most unforeseen incidents beyond accidents, such as vandalism, car theft, falling objects, fire damage, animal damage, and natural disasters.

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What repairs does car insurance cover?

Auto insurance companies cover any repair costs, but the repairs must be related to an accident. Car insurance companies don’t cover repairs and other damage that was there before the accident.

Does car insurance cover damage from bugs, birds, and other animals?

The answer is yes. Although bugs aren’t likely to damage your vehicle, auto insurance companies cover animal damage under comprehensive insurance.

Does car insurance cover damage from road debris?

Yes, it does. If your vehicle is damaged by debris on the road, your comprehensive coverage will pay for repairs.

Can car insurance cover damage when someone keys my car?

Yes, it can. Keying a car is considered vandalism, and it’s covered by comprehensive auto insurance.

Like most comprehensive claims, you’ll have to pay a deductible before you get a claim check for repairs.

Should I make a car insurance claim for minor scratches and dents?

It depends on your situation. If you’re at fault in an accident, it’s up to the no-fault driver to file a claim.

Collision and comprehensive coverage require you to pay a deductible when you file a claim. When repair costs are cheaper than your deductible, you may want to skip an auto insurance claim.

Filing a claim can increase your car insurance rates, and some small claims may not be worth it.

How much are car insurance rates for scratches and dents?

When it comes to auto insurance, all of the specifics are covered under the same price.

Scratches and dents have a different repair cost from windshields and damaged hoods, but the same coverage options cover them.

But how much is car insurance? According to the National Association of Insurance Commissioners (NAIC), full coverage insurance costs an average of $90 a month.

Let’s look at a breakdown of average car insurance coverage costs.

  • Liability coverage rates – $46/month
  • Collision coverage rates – $29/month
  • Comprehensive coverage rates – $13/month

There are several factors that affect the price of car insurance. Therefore, auto insurance costs vary for each person.

Car insurance covers accidents and other unforeseen incidents, but you’ll need the proper coverage.

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Scratches and Dents Covered by Car Insurance: What’s the bottom line?

Auto insurance companies cover scratches and dents through liability coverage if you’re not at fault in an accident.

Collision provides coverage for scratches and dents regardless of fault, and comprehensive insurance covers scratches and dents that occur during unforeseen incidents that don’t involve a collision.

Now that you know how car insurance covers scratches and dents, use our free comparison tool to compare rates from multiple companies in your area.