Tyres are one of the most important parts of your vehicle, but they’re also among the most vulnerable. From potholes to nails on the road, unexpected tyre damage can cost drivers in the USA hundreds of dollars. Many car owners often ask: “Does my car insurance cover tyre damage?”
The short answer: It depends on your policy type. Let’s break it down.
When Does Car Insurance Cover Tyre Damage in the USA?
1. Comprehensive Insurance
- Covers non-accident-related tyre damage such as:
- Vandalism (slashed tyres)
- Fire or theft
- Natural disasters (flood, hail, etc.)
- If your tyres were damaged due to these causes, comprehensive coverage usually pays.
2. Collision Insurance
- Covers tyre damage caused by an accident or collision, such as hitting another vehicle or a curb.
- If your tyre damage is part of a larger accident, insurance may cover repair or replacement.
3. Road Hazard Protection / Tyre Insurance
- Separate add-on policy from tyre retailers or insurance companies.
- Covers punctures, blowouts, pothole damage, and sidewall damage.
- Not included in standard auto insurance unless you specifically purchase it.
When Car Insurance Does NOT Cover Tyre Damage
- Normal wear and tear (bald tyres, tread wear).
- Manufacturer defects (covered under tyre warranty, not insurance).
- Slow leaks or poor maintenance.
For example, if your tyre simply wears out after 40,000 miles, your insurer won’t pay for a new one.
Average Cost of Tyre Replacement in the USA (2025)
- Standard car tyre: $100 – $200 each
- SUV tyre: $150 – $300 each
- High-performance/EV tyre (e.g., Tesla): $250 – $500+ each
Given these costs, having road hazard protection or knowing your insurance coverage can save drivers hundreds of dollars.
Tips to Make Sure Your Tyres Are Covered
- Review your insurance policy – Check if tyre coverage is listed.
- Ask your insurer about road hazard coverage – Many companies offer it as an add-on.
- Keep tyre warranty details – Some manufacturers provide free or discounted replacements.
- Document tyre damage – Take pictures and report immediately after an incident.
FAQs
Q1: Does Geico cover tyre damage?
Yes, but only if the damage is due to a covered peril (collision/comprehensive). Road hazards may require additional protection.
Q2: Does tyre insurance make sense in the USA?
If you drive in areas with potholes, construction, or long highway routes, tyre insurance can pay for itself quickly.
Q3: Does car insurance cover a flat tyre?
A simple flat from wear and tear is not covered. But if the flat resulted from an accident or covered hazard, it may be included.
Conclusion
So, do car insurance companies cover tyre damage in the USA?
- Yes – if it’s caused by an accident, vandalism, or covered peril.
- No – if it’s due to normal wear, poor maintenance, or ageing.
To avoid unexpected expenses, consider adding road hazard protection or a dedicated tyre insurance policy. This way, you can drive with peace of mind knowing that both your car and your tyres are protected.