Auto insurance

Does car insurance cover flat tires?

As you hit the road, you notice that someone has punctured your tires. Are flat tires replaced by insurance? Damage to your tires is covered if you have comprehensive coverage. Cutting the tires is also irrelevant. However, whether or not you should file an insurance claim is a separate matter.

Find out if your insurance will pay for damaged tires by reading on, then check out our list of the best car insurance companies to start your search for better protection. To get free quotes from the best service providers in your area, enter your zip code in the space provided below.

Do insurance companies cover the cost of replacing flat tires?

Even if you have accident coverage, California’s best car insurance provider can only pay you the reduced tire value. Ultimately, you will receive new tires, but your insurance company will only reimburse you for the amount it would have cost to purchase tires with the same amount of tread remaining.

In most cases, filing a claim with your auto insurer will not result in an “improvement.” A car insurance the ultimate goal of the policy is to restore losses to their pre-accident condition. It is not uncommon for the repaired or replaced item to be of better quality than the original. We call this progress or improvement.

If your tires have been punctured, restoring your car to its pre-crash condition would involve replacing them with tires of similar mileage and wear. However, replacing them with used tires seems unlikely.

This means that the car insurance company may ask you to pay the difference between the value of the flat tires and the cost of the new tires depending on their mileage and level of wear. To compensate you, many insurance companies only pay the depreciated value of the tire rather than the full price of the new tires if you file such a claim.

Comprehensive insurance only costs about $190 per year. Damage caused by animals, water, fire, hail and vandalism are covered by comprehensive insurance policies, and replacement costs in the event of theft are up to the policy maximum.

What is the policy position on the three flat tires?

Yes, your policy will cover three or four punctures as there is no limit to the number of tires that can be damaged before your full coverage kicks in. There is a common misunderstanding that the owner cannot file a claim with their insurer if three of the tires are flat. On the contrary, the opposite is true.

Find out how your insurance policy deals with flat tires

Reduced liability Car insurancealso called basic car insurance, does not reimburse damaged tires.

Losses and damages suffered by others as a result of an accident caused by you are compensated by the civil liability insurance for bodily injury and material damage.

Flat tires can be the result of vandalism or bad luck on the road. If your tires are flat and another driver did not cause it, you will not be eligible for any insurance for the damage.

While reading on to learn more about the cost of flat tire insurance, keep the following in mind:

  • Has anyone used a sharp object to damage your car?
  • Do you remember hitting or rolling something that could have damaged your vehicle?
  • Has anything other than a puncture caused damage to your tires?

Insure damaged tires

The collision and full coverage options of your auto insurance policy are available in the event of damage to the vehicle.

The number of flat tires does not matter. If your auto insurance deductible is less than the cost of replacing all of your tires, it will cover one to four (or more) tires.

Vandalism all-risk insurance cover

Comprehensive auto insurance will cover the costs if something happens to your car that isn’t a collision. Comprehensive auto insurance will protect you in the event of disasters such as fire, flood, tornado or other natural disaster, theft, vandalism and collision with an animal. Flat tires are an act of vandalism.

Remember that most insurance policies cover the cost of restoring your car to its pre-accident condition. The insurer will subtract a percentage from the value of your car to account for the mileage on your tires before they were damaged. New tires will be provided to you, but you may have to contribute to the total price.

Potholes and other man-made damage are covered by collision insurance

Collision insurance protects you and your car in the event of an accident. Therefore, this type of insurance can pay for repairs to your tires if you drive over a pothole or road stake.

Make sure your collision coverage includes flat tires by checking with your insurance company.


Something unexpected (like having your tires flat) can happen at any time. For this reason, it is essential to acquire adequate protection at all times.