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

  • Water leaks from weather damage may be covered by comprehensive insurance coverage
  • Most comprehensive car insurance policies do not cover water leaks that result from negligence or poor vehicle maintenance
  • Comprehensive insurance coverage costs an average of $148 per year (or $12 per month)

Are water leaks covered by car insurance? Does car insurance cover sunroof leaks? Are damages from flooding, hailstorms, and heavy rains covered by comprehensive coverage?

What about water damage that occurs because you left your car windows open? What is the best car insurance company for water leaks?

Understanding what to look for in a good policy can help you decide what coverage you need and figure out if water damage is included. Get started by reading this article to find out everything you need to know regarding whether water leakage is covered by car insurance.

If you’re ready to shop for affordable car insurance for water leaks, take a moment to enter your ZIP code in the tool on this page to get your first free quote.

Is car water damage covered by insurance?

If you’ve purchased comprehensive coverage as a part of your car insurance policy, water leaks may be covered by insurance.

Comprehensive coverage includes the cost of repairs for damages that result from anything other than a collision, and this can include water leaks.

Restrictions apply, and you won’t know if your damage claim will be covered until you file it with your insurance company. However, water leak damages that occur because of flooding, hail, heavy rains, and other weather will most likely be covered.

Your comprehensive coverage probably will not cover damage to items that are not installed in your vehicle. So if you left belongings in your car, or you have removable sound or navigation systems (like a Garmin), your policy won’t include repair or replacement of those items.

If the damage is the result of negligence (i.e., you left your windows or sunroof open and rain, snow, or hail damaged the interior of your vehicle as a result) or a maintenance issue, your insurance coverage may not apply.

If the level of water damage is minor, you’ll need to decide if filing a claim is worth it, particularly since claims are one of the factors that can impact your insurance rates.

How much does comprehensive coverage cost?

Car insurance rates vary by state, but the national average for comprehensive coverage is $148 per year, or $12 per month, according to the National Association of Insurance Commissioners.

Take a look at this table for average rates for comprehensive, collision, and liability coverage.

Average U.S. Car Insurance Rates: Collision, Comprehensive, and Liability
Coverage TypeAnnual Car Insurance RateMonthly Car Insurance Rate
Liability Coverage$539$45
Comprehensive Coverage$148$12
Collision Coverage$323$27
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Comprehensive and collision coverage typically aren’t required to drive legally (unless you have a loan that mandates these coverages until you pay off your vehicle), but liability coverage usually is.

And if you want coverage for water leaks, you’ll need comprehensive because collision and liability won’t cover a water leak claim.

When you’re looking to buy car insurance for water leaks, you can save on your car insurance rates for water leaks by comparing quotes from at least three companies.

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Water Leaks and Car Insurance: The Bottom Line

Comprehensive car insurance covers water leaks from weather damage, but not leaks that occur due to negligence or poor vehicle maintenance. A comprehensive policy will cost an average of $148 per year, or $12 per month.

The best way to save coverage is to compare car insurance quotes for water leaks from multiple companies. Use your ZIP code in our tool to get your first free quote and start comparing today.

Frequently Asked Questions: Are water leaks covered by car insurance?

If you still have questions about whether leaks are covered by car insurance, read these frequently asked questions for more.

#1 – Are water leaks covered by a vehicle warranty?

Your vehicle warranty will most likely cover damage from water leaks, though some restrictions may apply.

#2 – What causes water leaks in a vehicle?

There are several reasons your vehicle leaks. This can include existing damage to your vehicle like a broken window, weather damage (flooding or hail damage are both common causes), or leaving your window open.

#3 – How do sunroofs work and can they be repaired?

A sunroof is an opening in the roof of your vehicle that acts as an additional window, which can be opened or closed, often with a lever, vent, or sliding panel.

If your sunroof is damaged in some way and your insurance company or vehicle warranty will not cover repairs, you can research ways to repair it yourself if you don’t want to pay out-of-pocket.