Best Companies That Insure Cars With Blown Airbags in 2024
If you’re looking for car insurance companies that insure cars with blown airbags, there’s a good chance your car has been in a crash. Your insurance company may not cover a car with blown airbags, even if it's drivable. If the car is totaled after the accident, and you decide to keep it, you will need a car insurance company that insures salvage titles.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Apr 15, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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1,731 reviews- Car insurance companies consider a car a loss if fixing it after an air bag deployment is more expensive than declaring a loss
- Airbag replacement can cost thousands of dollars
- Each state has a loss threshold that will determine if totaling a car is the right action to take
- Driving with deployed air bags is possible if the car is working otherwise
When a car is involved in a collision, air bags can save lives. They are one of the most popular safety measures for vehicles. What happens, though, if you are involved in a minor accident and your air bag deploys?
Is it possible that there are car insurance companies that insure cars with blown air bags? Can an insurer cover the cost of getting a new air bag installed? A crash can leave drivers wondering, can air bags be replaced after accidents?
You may also wonder if the car is automatically off the road or if there’s anything you can do to salvage it. Knowing what your coverage involves is a big part of understanding your car insurance policy. Answers to all these questions are below.
You can start getting quotes from affordable car insurance companies that insure cars with blown air bags right now by entering your ZIP code into our free tool.
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What companies will sell me car insurance with blown air bags?
Airbags are not meant to be used more than once. After an accident, a car’s air bag must be replaced.
If your vehicle’s air bags have been deployed you should file a claim with your current insurance company and have it pay for the replacement.
Read more: Best Accident Insurance Companies
Getting Car Insurance After Airbags Are Blown in an Accident
Your car insurance will see an increase if you have been in an at-fault accident. The table below will give you a general idea of what you can expect to pay.
Average Annual Car Insurance Rates with One Accident
| Company | Average Annual Rates with Clean Record | Average Annual Rates with 1 Accident |
|---|---|---|
| Allstate | $3,819.90 | $4,987.68 |
| American Family | $2,693.61 | $3,722.75 |
| Farmers | $3,460.60 | $4,518.73 |
| Geico | $2,145.96 | $3,192.77 |
| Liberty Mutual | $4,774.30 | $6,204.78 |
| Nationwide | $2,746.18 | $3,396.95 |
| Progressive | $3,393.09 | $4,777.04 |
| State Farm | $2,821.18 | $3,396.01 |
| Travelers | $3,447.69 | $4,289.74 |
| USAA | $1,933.68 | $2,516.24 |
It’s commonly assumed that when air bags are blown, the car is totaled. This isn’t always true, but there’s a reason this is a common belief.
If you have an older vehicle with a high level of coverage, like comprehensive car insurance, the vehicle value has gone down a lot. Airbags can cost a lot to replace, so from an insurance company’s view, the answer is obvious: it’s not worth it to repair.
Airbag deployment often comes with other damage to the car, especially if the crash was bad. So the cost of repairing the body and air bag will be high.
If your insurer decides to total the car, your choices after an accident are limited. Your first option will be accepting the insurance company’s decision. The second is to get an independent appraisal.
If air bags deploy is the car considered salvaged?
If your air bags deploy after an accident or for any other reason, you can still get car insurance.
Having air bags can decrease your car insurance rates. But new air bags are costly. So if it’s two air bags or more and there are other parts of the vehicle that are damaged, you may have to accept that the vehicle is totaled.
The factors that influence this include how much your vehicle is worth as well as the overall repair cost. Say for example your car is valued at $4,000. If your car is an older one and the damage to it is $3,000, almost the full worth of the car, the insurer will see it as a total loss.
Read more: If airbags deploy, is my car totaled?
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Car Insurance Companies That Insure Cars With Blown Airbags: The Bottom Line
Hopefully, this guide will have told you everything you need to know about companies that offer car insurance with blown air bags. The best way to find car insurance companies that don’t insure cars with blown air bags is by getting a quote.
Our free tool makes it simple for you. Just by entering your ZIP code you can get rates from car insurance companies that insure cars with blown air bags near you right away.
Frequently Asked Questions
Are there car insurance companies that don’t require spouses to be on the same policy?
Yes, there are car insurance companies that allow spouses to have separate policies. These companies recognize that some married couples may choose to have individual insurance coverage for various reasons.
What are the benefits of having separate car insurance policies for spouses?
Having separate car insurance policies for spouses can offer certain advantages, such as:
- Flexibility: Each spouse can choose the coverage options, deductibles, and limits that best suit their individual needs.
- Individual driving history: If one spouse has a poor driving record or previous accidents, it won’t affect the other spouse’s insurance rates.
- No shared liability: In case of an accident, each spouse’s policy will cover their own damages and liability, reducing the risk of affecting the other spouse’s rates.
Which car insurance companies are known for not requiring spouses to be on the same policy?
Some car insurance companies that are known for allowing spouses to have separate policies include:
- Geico
- Progressive
- State Farm
- Allstate
- Liberty Mutual
It’s important to note that specific policy details may vary based on location and individual circumstances. It’s recommended to contact each company directly for accurate information.
Are there any downsides to having separate car insurance policies for spouses?
While having separate policies can offer advantages, there are a few potential downsides:
- Potential cost increase: In some cases, combining policies may result in a lower premium due to multi-car or multi-policy discounts. Separate policies could eliminate these discounts.
- Missed opportunities for shared benefits: Some insurance companies offer benefits like accident forgiveness or disappearing deductibles for the entire policy. By having separate policies, these benefits may only apply to an individual and not the couple as a whole.
- Coordination and communication: Managing separate policies requires coordination and communication between spouses, which could be more complex compared to having a single joint policy.
Can married couples have one joint policy even if it’s not required?
Yes, married couples can choose to have a joint policy even if the insurance company doesn’t require it. Combining policies under one plan can simplify the management of insurance coverage and may provide cost-saving opportunities through discounts.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.