Is snow damage covered by car insurance?

Yes, comprehensive coverage on your auto policy can cover snow-related damage to your vehicle. For example, if a falling icicle breaks your windshield or dents your hood, comprehensive coverage can pay to repair or replace your damaged windshield, minus your car insurance deductible. If you have an accident because of snowy conditions, collision coverage may cover the resulting damage to your car. However, comprehensive and collision are optional coverages, so be sure to add them if you want coverage for snow-related damage.

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How does your auto policy cover accidents caused by winter weather?

If you're declared the at-fault driver in a car accident in the snow, your auto policy's liability coverage can pay for damages and injuries you cause to others, up to your policy's limits. Damage to your vehicle may be covered by comprehensive car insurance or auto collision coverage, which are both optional car insurance coverages.

If you're injured in a snow-related car accident that you're found at fault for, medical payments coverage or personal injury protection could help cover your and your passengers' injuries.

How to avoid snow damage and winter car accidents

If you're worried about damage caused by snow or ice, follow these tips:

  • Try to park in covered garages that can protect your car
  • Avoid parking under ledges, tree branches, or other places where icicles can form
  • Drive slowly and carefully when snow or ice is on the road
  • Know the risks of black ice accidents
  • Avoid driving if the weather is terrible
  • Know what to do if you're driving in winter weather and your car slides on snow or ice

Remember that normal, predictable wear and tear isn't generally covered by auto insurance. Get your car checked out by a qualified mechanic before winter hits to identify any problems that cold temperatures might exacerbate, and take preventative action against snow, ice, and salt damage.

Make sure your car is protected from winter weather

Progressive customers

Log in or call 1-866-749-7436 to make sure you have comprehensive and collision coverage for severe weather coverage.

New customers

Get a car insurance quote online or call 1-866-749-7436 to get a quote customized to your needs.

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