Will my auto insurance cover mechanical failure?

Does auto insurance cover mechanical failure? Most traditional auto insurance doesn't cover mechanical failure or any other issues that don't occur due to an accident or natural disaster. Mechanical breakdown auto insurance does cover mechanical failure, though, and a wide variety of other mechanical issues. Unfortunately, the cost mechanical breakdown insurance may include a deductible of around $250, so it's not for minor repairs.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 25, 2021

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Can't-Miss Facts

  • Mechanical breakdown insurance protects against engine failure
  • It may only be applicable to new cars
  • It will likely end when your car reaches a certain age or mileage

Does auto insurance cover mechanical failure? If you have a traditional policy, it may not. However, with mechanical breakdown automobile insurance, you’ll have some coverage for car trouble.

Read on to learn more about how auto insurance might cover mechanical failure. Enter your ZIP code into our free quote tool to get an idea of what you could pay for mechanical breakdown insurance.

What auto insurance companies will cover mechanical failures?

If you only have liability or comprehensive auto insurance, you are most likely not covered for any mechanical failures. Even with full coverage insurance, it’s not covered.

That doesn’t mean you don’t have other options in planning for mechanical failure. For example, a mechanical breakdown insurance policy will help you pay for expensive mechanical repairs.

Some of the more popular companies that offer the additional mechanical breakdown coverage include:

  • Allstate
  • Mercury
  • Liberty Mutual
  • GEICO

Mechanical breakdown insurance isn’t exclusive to these insurers. You may find a local insurer that offers you a discount or a special deal on that type of coverage.

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Does insurance cover engine failure?

If you have comprehensive or collision insurance and the engine failure occurs because of a covered incident, you may be able to get it covered with a claim. However, if it happens as a result of anything other than weather or an accident, you’ll have to pay out of pocket.

What is a mechanical breakdown insurance policy?

A mechanical breakdown insurance policy covers engine maintenance and repairs that don’t occur due to an accident.

If you’ve been driving your vehicle a lot and suddenly notice something wrong with the engine, you likely won’t be covered under your standard insurance policy. However, if you opt-in to additional mechanical coverage, you can get help paying for major engine repairs.

While it doesn’t cover everything, the additional mechanical failure coverage includes:

  • Engine
  • Transmission
  • Brakes
  • Exhaust
  • Power Systems

This insurance is meant to cover the pricier issues that may occur to your vehicle. It won’t cover simple things that don’t typically cost a lot, including changing fluids, tires, and other standard maintenance.

Some compare mechanical auto insurance to an extended warranty as it offers many of the same options instead of the traditional auto insurance policy.

Can I get mechanical breakdown insurance for used cars?

When your warranty runs out on a new car, you may want to get additional coverage that your traditional life insurance doesn’t offer. This is where mechanical failure auto insurance comes in.

However, this likely won’t apply to all used cars. You may be denied coverage due to the age or history of the vehicle.

How do I check my vehicle’s warranty status?

If you’ve recently purchased a new vehicle, you likely have some form of warranty on it. Therefore, since you have something that already protects against many mechanical issues, you might want to hold off on getting additional mechanic coverage.

The Federal Trade Commission offers insights on keeping from losing money on your warranty, including how replacement parts might need to be reverted to stock. While aftermarket parts won’t void your warranty, the stock parts will be the ones covered by your policy.

There are a few ways you can check if your car’s warranty is still in effect, including:

  • Find the VIN – This is your car’s identifier and can help you when you contact your dealership or research online.
  • Call the dealership – If you can’t find the VIN or don’t know where to look, the dealership that sold you the car will be able to offer some insight.
  • Look online – You can typically view vehicle history reports, and comparing them to the standard factory warranty for that vehicle may help narrow down where you’re looking.

If your car is under warranty, you’ll be able to get many of the more expensive engine repairs done at an affordable cost to you.

What companies offer the best mechanical breakdown insurance?

Which insurer you go with for your mechanical breakdown insurance will largely depend on your specific needs and location. However, whether at a local or national insurer, you’ll feel much more secure with the additional coverage.

Does State Farm cover blown engines?

With a State Farm comprehensive coverage plan, drivers can get their vehicles repaired for damage by anything other than collision or rolling over. This includes mechanical failures like a blown engine.

Are you looking for State Farm mechanical breakdown insurance? Verify that the policy has what you need and ensure that you can afford it first.

What are the GEICO mechanical breakdown insurance reviews?

GEICO also offers mechanical breakdown insurance policies to cover engine failure and other issues. In addition, GEICO allows its customers to renew the insurance for seven years.

In that time, GEICO guarantees that they will cover your car’s mechanical repairs after your meet the $250 deductible, with some exclusions applying.

Mechanical Breakdown Auto Insurance: The Bottom Line

Mechanical breakdown insurance can work as an extended warranty that’s attached to your traditional coverage. It won’t be useable forever and will likely phase out as your car gets older like all warranties. Getting it as soon as you can ensures you get the most value out of the policy.

Hopefully we have explained how auto insurance can cover mechanical failure with the right coverage. Enter your ZIP code to see what you could pay for mechanical breakdown insurance today.

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