The Bottom Line for Car Insurance and Flat Tires

In general, your car insurance policy will not cover flat tires. However, if you have collision and comprehensive coverage, they will likely cover other damage to your vehicle that results from a flat tire, blowout, or other tire damage.

Most auto insurance companies consider flat tires a wear-and-tear issue, and auto policies do not cover wear-and-tear or routine maintenance.

Exceptions to this include when your tires are vandalized or stolen, in which case your comprehensive coverage may cover the cost of replacing the tires.

You could purchase a tire protection plan (also called a road hazard plan) which is usually sold by tire dealers.

Now that we’ve answered your questions about flat tires and car insurance, why not use your ZIP code to get a free quote so you’re prepared for when insurance does cover tire replacement?



How Insurance Can Cover Slashed Tires

Depending on the cause, most auto insurance policies allow you to use either comprehensive coverage or collision coverage to pay for the damage.

It does not matter how many tires have been slashed. If you have the right coverage, it will cover one to four (or more) tires as long as the cost exceeds your car insurance deductible

Comprehensive Covers Acts Of Vandalism

Comprehensive car insurance protects your vehicle when it’s damaged by something other than a collision. This includes things like fire, severe weather, collision with animals, theft, and vandalism. Slashed tires are considered a type of vandalism.

Be aware that most insurance companies pay to restore your vehicle to its state before the accident. The insurer will subtract value to account for the milage your tires had before being slashed. So, you’ll get new tires, but you might have to pay for a portion of the cost.

Collision Covers Potholes Or Road Spikes

Collision coverage can protect you and your vehicle when you get into a collision with another vehicle or an object. So, this type of coverage could also cover tire damage from running over a pothole or road spikes.

Again, it’s smart to check with your car insurance company to learn the specifics of your collision coverage to make sure it covers damaged tires. To find out more about coverage available in the car insurance industry, we recommend comparing multiple car insurance quotes. Enter your zip code below to get started.


Tire Protection Plans and Road Hazard Protection Plans Offer Coverage for Flat Tires

A tire protection plan (also called a road hazard plan) is usually sold by tire dealers. These plans exceed the warranties sold by dealerships. They cover damages caused by road hazards such as:

  • Nails
  • Potholes
  • Screws
  • Glass
  • Jagged Materials

Some plans provide free flat tire repairs for the usable life of the tire (when their tread depth decreases to less than 2/32″). They also cover the costs of mounting, repair, tire pressure monitoring and other issues.

When Auto Insurance Doesn’t Cover Flat Tires

Although comprehensive coverage and collision insurance cover damage resulting from unexpected events, they don’t cover all incidents. According to Kelley Blue Book, auto insurance coverage won’t cover tire damage in the following situations.

  • Normal wear and tear – Car insurance coverage won’t cover normal wear and tear your car receives. Your insurance only protects you against unexpected situations. Carriers consider changing out old or worn tires as part of the costs of maintaining your vehicle.

  • Road hazards – Insurance won’t pay for nails, glass, or other objects that damage your vehicle’s tires when you drive. You will likely have to pay for these costs out of pocket.

  • Flat tire – Your car insurance policy won’t cover your tire if it suddenly goes flat. If you have a roadside assistance plan with your insurance company, they may help you put on a spare so you can drive someplace to get it repaired or replaced.

What if My Car Doesnt Have a Spare Tire?

In response to increasing fuel economy standards, many auto manufacturers are ditching the spare tire to save weight. In fact, according to Consumer Reports, about one-third of new cars on the road today forego the spare. Instead, they’ll include a can of tire sealant and an air pump.

If you get a flat and your car doesn’t have a spare tire, try using the provided sealant and reinflate your tire with the compressor. In the event of a small puncture or slow air leak, you may be able to get back on the road. But if the damage is more significant, you’ll likely need to call for help.

Auto Insurance May Cover Vehicle Damage Caused by a Flat Tire

Auto insurance companies will rarely cover the cost of repairing or replacing a flat tire. However, there is a caveat:

Your auto insurance should cover any vehicle damage that was caused by that flat tire.

If you were driving on the freeway and your tire blew out, for example, causing you to skid into the median, then this may be an example of going through your insurance company to get your repairs done.

In other words, your auto insurance should cover the repair costs on the rest of the vehicle, although your tire replacement will not be covered.

Can You Drive on a Flat Tire?

That depends on your car. These days, many luxury and performance vehicles from automakers such as BMW, Mercedes-Benz and Cadillac come equipped with run-flat tires. As the name suggests, these types of tires are designed to allow you to drive for about 100 miles with no air pressure, so you can safely drive to get your flat repaired.

However, if your car has conventional tires, driving any distance on a flat is always a bad idea. If you don’t pull over immediately, you can do irreparable damage to the tire and may even destroy your wheel.

What type of insurance covers tire damage?

If your tires are damaged due to vandalism, comprehensive insurance will cover the cost of replacements. As a general rule, comprehensive coverage pays for damage that isn’t the result of a collision. Tire damage caused by accidents or pothole collisions, on the other hand, is usually covered by collision coverage.Take note: Unless you have a very low deductible, your deductible may be higher than the cost of fixing your tire. Weigh your options carefully, as paying out of pocket may be the most cost-effective solution.

Roadside Assistance Coverage vs. Premier Roadside Assistance Package

Travelers two options for Roadside Assistance Coverage are designed to help give customers peace of mind whether they are commuting to work or taking a long trip. Here’s a snapshot comparison:

Does Car Insurance Cover Tire Blowouts?

Extreme temperatures, overinflation, tread wear, and road debris can cause tires to lose air or pop. When this happens, you might wonder if auto insurance will cover a tire blowout.

Insurance coverage for blowouts are similar to that of a flat tire: the tire itself isn't covered through the policy, but any damage you incur might be covered. It also depends upon the type of coverage you have.

For instance, if your tire pops on the highway and the tire flies off your vehicle causing damage, comprehensive coverage will likely pay for the vehicle's body damage. If the popped tire causes you to lose control and swerve off the road where you hit a tree, collision coverage covers the body damage.

In either situation, only the damages are covered. It's your responsibility to replace the tire, however, and that cost doesn't count toward the deductible if you choose to file a claim.

What Does Roadside Assistance Cover?

Over the course of your lifetime, chances are good that someday your car will get a flat tire, run out of gas or have a mechanical problem. And there you’ll be — stuck on the side of the road. But with Roadside Assistance Coverage, you can have peace of mind knowing that help is just a phone call away.

Because we know that everyone is different, we offer two levels of coverage, depending on individual needs. Some people just want a basic roadside coverage because they aren’t out on the road all that much, while others may be looking for something more.

4. I Got a Flat Tire… Now What? Erie Insurance

Aug 16, 2021 — While there’s not much you can do to prevent getting a flat tire, a little coverage that’s easy to add to your auto insurance policy and (9)

Sep 2, 2021 — Collision or comprehensive coverage will cover the repair costs for flat tire damage when: Vandals slash your tires; Thieves steal your tires or (10)

Jul 19, 2021 — If you have collision and comprehensive insurance, it will cover your tire if it goes flat due to an accident. So let’s say you were driving (11)

May 27, 2021 — Car insurance does not cover damage from tire wear and tear. So, if you get a flat tire because it is worn down, your insurance company will not (12)

Jul 8, 2021 — What Should I Do If I Run Over a Nail? · Your car insurance will generally cover any vehicle damage caused by the flat tire (if you got in a car (13)

Will insurance cover slashed tires?

Yes, your car insurance will cover slashed tires if you have comprehensive coverage. There’s a common misconception that insurance companies won’t cover three slashed tires but will cover four slashed tires instead. The truth is that you’re covered for any number of slashed tires, as long as you have the right coverage.

Protecting yourself (and your tires) with insurance

Diligence is key to protecting your tires — and that means using sensible driving habits and having good insurance coverage.If you’re looking for comprehensive insurance, collision insurance, or roadside assistance, Jerry can help! Jerry is a pocket insurance broker that works just as diligently as you do to find the coverage you need at a price you can afford.

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2. Frequently Asked Questions About Tires and Car Insurance

Does car insurance cover flat tires? — Does insurance cover flat tires or does car insurance cover a nail in tire? Does car insurance cover a tire (4)

– Does auto insurance cover a nail in the tire? — Auto insurance typically does not cover a flat tire, as that’s considered normal wear and tear.(5)

Sep 3, 2021 — Car insurance will pay for your tires if the damage is caused by a covered peril, like vandalism or theft, or, in some cases, damage from a What damage does car insurance not cover?Does car insurance cover a nail in a tire?(6)

Will auto insurance cover a flat tire if I have roadside assistance?

If you are worried about flat tires – whether that’s on your car or on your motorcycle – then getting auto insurance roadside assistance through your insurance company or through a third-party provider like AAA might be your best option for insurance for tires.

Roadside assistance programs won’t cover the cost of replacing your flat tire.

However, they will cover the cost of dispatching someone to your location to change a flat tire or tow your vehicle.

Don’t feel comfortable changing your own tire? Want extra peace of mind? Then roadside assistance policies can help. They typically cost between $50 and $200 per year.

In addition to changing your tire, these programs can deliver fuel to your location if you run out of gas or tow your vehicle to the nearest service station.

Can Roadside Assistance Help You with Flat Tires?

One caveat to receiving assistance for a flat tire from your car insurance company is if you have roadside assistance as part of your coverage. Having this coverage may involve either an additional monthly fee or it could be included in your insurance plan.

While roadside assistance does not pay for your tire replacement, the insurance company does provide towing services to bring your car to the nearest mechanic. This service comes at either no charge or a minor fee if the repair shop is farther than a certain distance, usually five or 10 miles, which can save you money.

Roadside assistance may also help you change your tire, if you have a spare, so you can get back on the road quicker. If they bring a new tire to you, you would still be charged for the tire.

Running over a sharp object on the road, whether you can see it or not, can cause a flat tire.

Our Recommendations For Car Insurance

Does insurance cover slashed tires? Not all providers offer the same types of coverage. So, it’s important to shop around for car insurance quotes to compare the value each company offers. We took a look at some of the top providers around the nation to see which companies came out on top in customer service, coverage, cost, and more.

Here are two of our top picks. Compare quotes between these providers, and enter your zip code to find other providers in your area. 


#1 Progressive: Best For High-Risk Drivers

Progressive has a reputation for saving people money with its Name Your Price® tool and many discounts. Drivers can save for bundling multiple policies, going paperless, and paying their premium in full. These money-saving opportunities and average customer service helped Progressive earn a 4.6 rating from our research.

From Progressive, you can purchase full coverage insurance, including comprehensive coverage, uninsured motorist coverage, medical payments, and roadside assistance.

For more, read our Progressive insurance review.

#2 Geico: Best Overall

Geico is a good option with its reliable coverage and good customer service, earning it a 4.6 rating. Available in all 50 states, Geico offers comprehensive coverage, medical payments, emergency road service, and rental reimbursement. You can access many discounts with Geico, like those for senior citizens, members of the military, and good students.

Read our Geico review for more.

FAQ: Coverage For Slashed Tires

Does car insurance cover tires that are slashed?

Depending on how your tire was damaged, comprehensive and collision coverage are the only types of insurance that cover slashed tires. If you have basic insurance or liability coverage, your insurance will generally not cover the damages, regardless of the cause.

How many tires does insurance cover if slashed?

You may have heard of a rumor that car insurance companies will only cover slashed tires if all four were damaged. As long as you have sufficient comprehensive coverage, you should be covered no matter how many tires were slashed.

How much does it cost to replace a slashed tire?

The cost to replace a slashed tire depends on your auto insurance coverage and the deductible you chose at the beginning of your policy. This expense is also impacted by how many tires were damaged, the size of your tires, and the types of tires your vehicle needs.

Does auto insurance cover wear and tear on tires?

Car insurance does not cover damage from tire wear and tear. So, if you get a flat tire because it is worn down, your insurance company will not pay for repairs. You might be better off purchasing roadside assistance to cover you in emergencies. A technician can come out to put on your spare tire or tow you to a local repair shop.

Does full coverage car insurance cover slashed tires?

Yes, full coverage auto insurance covers slashed tires. Specifically, comprehensive insurance covers vandalism and collision insurance covers damage from driving over spikes in the road or potholes. Full coverage policies include both comprehensive and collision.

What do you do if someone slashes your tire? If someone slashes your tire, you should file a police report to document the crime, whether you know who did it or not. Then, consider the cost to get a new tire as it may or may not be worth it to file a comprehensive insurance claim.