Car insurance may cover tire replacement, but it depends on how the damage occurred and the type of coverage you have. Standard auto insurance policies in the USA do not usually pay for tire wear or routine replacement because these are considered maintenance costs. However, if your tires are damaged in an accident, stolen, or destroyed by a covered peril like vandalism or fire, your insurance may step in to help.
Comprehensive and collision coverage are the most common types that cover tire damage. Comprehensive covers non-collision incidents such as theft, vandalism, or hitting an animal, while collision insurance covers tire damage caused by an accident. For example, if your tire bursts after hitting a pothole, your collision insurance might pay for replacement after you meet your deductible.
Understanding what’s covered before filing a claim helps you avoid surprises. In this detailed guide, you’ll learn when car insurance pays for tire replacement, when it doesn’t, how deductibles work, and practical ways to protect your tires and save money with help from Alias Insurance, your trusted comparison site for car insurance quotes in the USA.
When Does Car Insurance Cover Tire Replacement?
Car insurance only covers tire damage in specific situations. Here are common examples when your insurance may help replace or repair tires:
1. After an Accident (Collision Coverage)
If your tires are damaged in a collision with another vehicle or object, your collision insurance can cover the cost of replacement.
Example: You hit a curb or road barrier, and your tire bursts. Your insurer will pay for a new tire after your deductible.
2. Theft or Vandalism (Comprehensive Coverage)
If someone slashes your tires or steals them, your comprehensive coverage usually pays for replacement.
Example: You wake up to find all four tires stolen from your car. Comprehensive insurance will cover this loss.
3. Damage from Fire, Flood, or Falling Objects
Tires damaged by events like a fire, fallen tree, or flood are covered under comprehensive coverage.
Example: A tree branch falls on your parked car and damages the tires. Comprehensive insurance pays for replacement.
4. Road Hazards (Optional Coverage)
Some insurers offer road hazard protection as an add-on. It covers tire damage from potholes, debris, or nails.
Example: You run over a nail that causes a flat tire. If you have road hazard coverage, your replacement cost is covered.
When Car Insurance Does Not Cover Tire Replacement
While coverage is available in certain situations, there are also cases where you’ll pay out of pocket. Insurance does not cover:
- Normal wear and tear – Tires naturally wear out over time.
- Poor maintenance – If your tires are underinflated or misaligned.
- Manufacturer defects – These fall under the tire warranty, not insurance.
- Negligence or racing – Using tires improperly voids coverage.
- Tire damage without a covered cause – If there is no collision, theft, or vandalism involved.
Tip: Always review your policy terms or contact your insurer to confirm coverage before filing a claim.
Types of Car Insurance That Cover Tire Replacement
Understanding your coverage types helps you know when you’re protected. Here’s a quick overview:
| Type of Coverage | Tire Replacement Covered? | Example |
| Liability Coverage | No | Pays for others’ damages, not your tires |
| Collision Coverage | Yes | Tire damage in a collision or crash |
| Comprehensive Coverage | Yes | Theft, vandalism, or natural disasters |
| Roadside Assistance | Sometimes | Helps with flat tire repair, not replacement |
| Road Hazard Protection | Yes | Covers damage from potholes or debris |
How Deductibles Affect Tire Replacement Claims
Your deductible is the amount you pay before your insurer covers the rest.
If your deductible is $500 and replacing one tire costs $250, it doesn’t make sense to file a claim. Insurance is most helpful for significant damage involving multiple tires or when combined with other repairs.
Example:
If a fallen branch damages your hood and tires costing $1,200 total, your insurer will pay $700 after your $500 deductible.
For small incidents, paying out of pocket may be cheaper and helps you avoid a premium increase.
Statistics: Tire Damage and Car Insurance Claims
- According to AAA, tire-related issues cause around 15% of roadside breakdowns each year in the U.S.
- The average cost of tire replacement ranges between $150 to $350 per tire, depending on vehicle type.
- Around 40% of drivers have experienced tire damage from potholes or road debris at least once a year.
- Comprehensive and collision insurance cover nearly 65% of all tire-related claims, based on insurer reports from Insurance Information Institute (III).
These numbers show how common tire damage is and why it’s important to understand coverage limits.
Filing a Tire Replacement Claim: Step-by-Step
If your tires are damaged and you believe insurance covers it, here’s how to file a claim properly.
- Document the Damage – Take photos of the tires and any related vehicle damage.
- File a Police Report – Required for theft or vandalism.
- Contact Your Insurance Company – Report the incident and provide details.
- Get an Estimate – Visit an approved repair shop for a replacement quote.
- Pay Deductible – You’ll pay this amount before insurance covers the rest.
- Repair or Replace Tires – Your insurer pays the remaining balance after verification.
Always keep records and receipts for future reference.
Special Cases of Tire Coverage
1. Rental Cars
If you damage rental car tires, your personal auto policy may cover it under collision or comprehensive coverage.
2. Leased Vehicles
Lessees are often required to maintain full coverage. Damage to tires may be covered, but the leasing company may still charge fees for excessive wear.
3. Commercial Vehicles
Commercial auto policies vary. Some fleet insurers include tire coverage automatically, while others require add-ons.
4. Extended Warranties
Dealerships often offer tire and wheel protection packages that go beyond traditional insurance.
How to Protect Your Tires and Lower Costs
Even if insurance doesn’t always cover tires, these steps can help reduce damage and cost:
- Check tire pressure monthly.
- Rotate tires every 6,000 miles.
- Avoid potholes and road debris.
- Park in secure, well-lit areas.
- Buy quality tires with strong treadwear ratings.
Good maintenance can prevent costly replacements and lower your insurance risk profile, possibly qualifying you for safe-driver discounts.
Average Cost of Tire Replacement by Vehicle Type
| Vehicle Type | Average Cost per Tire | Average Set Cost (4 Tires) |
| Economy Car | $120 – $160 | $480 – $640 |
| Sedan | $150 – $250 | $600 – $1,000 |
| SUV | $200 – $300 | $800 – $1,200 |
| Truck | $250 – $400 | $1,000 – $1,600 |
| Luxury Vehicle | $300 – $500 | $1,200 – $2,000 |
Costs vary based on brand, tire size, and warranty coverage. Always compare repair estimates before filing a claim.
Should You File an Insurance Claim for Tire Replacement?
In many cases, filing a claim for a single tire may not be worth it due to deductibles and potential premium increases.
You should file a claim when:
- Multiple tires are damaged
- The cost exceeds your deductible
- The damage occurred in a covered incident (accident, theft, vandalism)
You should pay out of pocket when:
- Only one tire needs replacement
- Damage is due to normal wear
- Replacement cost is lower than your deductible
Smart Tip: Discuss your situation with your insurance agent to decide whether filing a claim benefits you in the long run.
Does Roadside Assistance Cover Tire Replacement?
Roadside assistance usually covers tire repair or towing, not full replacement. If you get a flat, they can replace it with your spare tire or tow you to the nearest service center.
Programs like AAA or state-based roadside plans provide similar services but won’t pay for a new tire unless you have road hazard protection.
What to Do If Insurance Denies Tire Coverage
If your insurer denies a claim:
- Request a written explanation.
- Review your policy to confirm exclusions.
- Appeal if you believe the damage qualifies.
- Report unresolved issues to your state insurance department.
For example, you can file a complaint with your state’s Department of Insurance through the National Association of Insurance Commissioners (NAIC).
How to Get Cheaper Car Insurance That Includes Tire Coverage
If you want broader protection, consider these strategies:
- Choose insurers that offer road hazard protection.
- Bundle policies for discounts.
- Increase your deductible to lower monthly premiums.
- Maintain a good driving record.
- Compare quotes regularly on Alias Insurance.
Alias Insurance makes it simple to compare plans from top U.S. providers and find affordable options that may include tire coverage and roadside assistance.
FAQs
Yes, if the tire damage results from a covered event like an accident, theft, or vandalism.
Not usually, unless the flat tire is caused by a covered incident such as a collision or vandalism.
Manufacturer or retailer warranties cover defects, while insurance covers damage from accidents or theft.
Ensure your policy includes comprehensive, collision, or road hazard coverage and provide proof of the incident.
Possibly. Small claims can trigger higher rates during renewal. Always weigh the repair cost against your deductible.
Conclusion
While car insurance doesn’t cover everyday tire wear, it can protect you from major losses caused by accidents, theft, or vandalism. Always read your policy carefully and compare quotes on Alias Insurance to find the most affordable and reliable coverage for your needs in the USA.
