Does Car Insurance Cover Maintenance?

Are you wondering if your car insurance covers maintenance expenses? It’s a common question among car owners, and understandably so. After all, maintenance costs can add up quickly over time.

While car insurance is designed to protect you financially from unexpected events like accidents or thefts, it’s important to understand what it does and doesn’t cover when it comes to regular upkeep of your vehicle. In this blog post, we’ll dive into the details of what car insurance covers and whether or not maintenance is included. So grab a cup of coffee and let’s get started!

What Does Car Insurance Cover?

Car insurance is an important investment for any car owner, but many people don’t fully understand what it covers. Essentially, car insurance protects you financially in case of an accident or theft. It will typically cover damages to your vehicle as well as any injuries sustained by other parties involved.

There are different types of coverage available, with liability being the most basic and required by law in most states. This covers damages caused to others by your vehicle, but not damage to your own car.

Comprehensive coverage is more extensive and includes protection against theft, vandalism, weather-related damage and other non-collision incidents. Collision coverage specifically covers damages from accidents involving another vehicle or object.

In addition to these standard forms of coverage, there may be additional options available depending on your specific needs and budget. It’s always important to review the details of your policy carefully so that you know what is covered in case of an emergency.

Maintenance and Your Car Insurance Policy

While car insurance is a necessity for every driver, it’s important to understand what your policy covers. One common question that arises is whether or not car insurance covers maintenance costs.

The answer is typically no. Most standard car insurance policies don’t cover routine maintenance like oil changes, tire rotations or brake pads replacements. These are considered the responsibility of the vehicle owner.

However, there may be certain scenarios where your car insurance policy could cover some maintenance costs. For example, if an accident results in damage to your brakes or tires and you need them repaired or replaced as a result, those repairs would likely be covered by your insurance policy.

It’s important to carefully review your specific policy to understand what types of repairs may be covered under various circumstances. In general though, it’s best to assume that regular maintenance will not be covered by your car insurance policy and budget accordingly.

While it can be frustrating knowing that routine maintenance isn’t covered by most auto insurance policies, keeping up with regular upkeep on your vehicle can help prevent breakdowns and accidents down the road.

When to Get Maintenance Covered by Your Insurance

It’s no secret that car maintenance can be quite costly. That’s why many people wonder if their car insurance covers maintenance costs. The short answer is no, but there are some exceptions.

If your vehicle has been damaged in an accident, your insurance policy may cover the repair costs, which could include some aspects of maintenance like replacing damaged parts or fluids. However, routine maintenance tasks such as oil changes and tire rotations are not covered by standard policies.

There is one type of coverage that might help with certain types of repairs related to wear and tear: extended warranties or mechanical breakdown insurance. These policies can provide protection for specific components of your vehicle beyond what is typically covered by a traditional auto policy.

Another scenario where you might consider using your insurance for maintenance-related expenses is if you have roadside assistance coverage included in your policy. This can help cover the cost of services like towing or jump-starts.

It’s important to remember that while car insurance may not cover routine maintenance costs, keeping up with regular service appointments can actually help prevent future accidents and damages – ultimately saving you money in the long run!

How to Save Money on Maintenance and Your Car Insurance

Maintaining a car can be expensive, but there are ways to save money on both maintenance and your car insurance. First, consider regular upkeep such as oil changes and tire rotations to prevent larger issues down the road.

It’s also important to shop around for car insurance rates annually or after major life changes like getting married or moving. You never know when you might find a better deal with another provider.

Another way to save is by increasing your deductible – just make sure it’s an amount that you’re comfortable paying out of pocket in case of an accident.

Consider taking advantage of discounts offered by your insurance company such as safe driving rewards or bundling policies together like home and auto insurance.

Compare prices at different service centers before committing to any repairs. Sometimes independent mechanics may offer more affordable prices than dealerships. By following these tips, you can keep both your car running smoothly and extra money in your wallet.


Car insurance policies generally do not cover routine maintenance such as oil changes or brake replacements. However, there are some instances where your policy may provide coverage for certain types of repairs due to accidents or other covered events. It’s important to understand the details of your policy and what is and isn’t covered.

While it may be tempting to try to get all of your car maintenance covered by insurance, it’s not always the best financial decision. You can save money on both car insurance and maintenance costs by being a responsible driver, maintaining your vehicle properly, shopping around for the best deals on repairs and insurance coverage, and taking advantage of discounts whenever possible.

By following these tips and understanding how car insurance covers maintenance (or doesn’t), you’ll be well-equipped to make informed decisions when it comes to keeping yourself safe on the road while also saving money in the process.