10 Best Companies That Insure Cars With Blown Airbags in 2024
AAA, State Farm, and Travelers top the list as the best companies that insure cars with blown airbags, offering plans starting at just $70 a month. Each excels in affordability, comprehensive coverage options, and outstanding customer service, making them ideal for owners of cars with blown airbags.
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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: Jul 16, 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: Jul 16, 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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2,934 reviewsCompany Facts
Full Coverage For Cars With Blown Airbags
A.M. Best Rating
Complaint Level
Pros & Cons
2,934 reviews
17,759 reviewsCompany Facts
Full Coverage For Cars With Blown Airbags
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
1,731 reviewsCompany Facts
Full Coverage For Cars With Blown Airbags
A.M. Best Rating
Complaint Level
1,731 reviews
The top picks for the best companies that insure cars with blown airbags are AAA, State Farm, and Travelers.
These providers are recognized for their comprehensive coverage options and exceptional customer support, specifically tailored to cars with this unique need. Learn more in our “What is the best car insurance?”
Our Top 10 Company Picks: Best Companies That Insure Cars With Blown Airbags
| Company | Rank | Replacement Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 22% | A | Roadside Assistance | AAA |
 | #2 | 15% | B | Personalized Policies | State Farm |
 | #3 | 18% | A++ | Coverage Options | Travelers |
 | #4 | 20% | A+ | Combining Discounts | Progressive |
 | #5 | 16% | A+ | Deductible Options | Nationwide |
 | #6 | 14% | A | Signal App | Farmers |
 | #7 | 17% | A+ | College Students | Allstate |
 | #8 | 19% | A++ | Military Students | USAA |
 | #9 | 20% | A++ | Young Drivers | Geico |
 | #10 | 13% | A | 24/7 Support | Liberty Mutual |
They offer a range of policies that cater to various budgets and coverage requirements, ensuring that drivers can secure the necessary protection without compromise. If your vehicle has experienced airbag deployment, these companies provide reliable insurance solutions to get you back on the road safely.
You can start getting quotes from affordable car insurance companies that insure cars with blown airbags right now by entering your ZIP code into our free tool.
- AAA is the top choice for insuring cars with blown airbags
- Coverage options cater to cars needing new airbags after accidents
- Special policies address the cost and safety concerns of blown airbags
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#1 – AAA: Top Overall Pick
Pros
- Extensive Roadside Assistance: AAA is renowned for its comprehensive roadside help, which is available 24/7.
- Membership Benefits: Members receive discounts on various services beyond insurance. See more details on our AAA car insurance review.
- Strong Financial Rating: An A.M. Best rating of ‘A’ ensures reliability and financial stability.
Cons
- Higher Premiums: AAA can be more expensive, especially without membership discounts.
- Coverage Limitations: There might be limitations on coverage depending on the region or membership level.
#2 – State Farm: Best for Personalized Policies
Pros
- Bundling Policies: Significant discounts are available when combining multiple insurance types.
- High Low-Mileage Discount: Major savings for drivers with low annual mileage.
- Wide Coverage: Offers a variety of policies to meet individual needs. Unlock details in our State Farm car insurance review.
Cons
- Limited Multi-Policy Discount: Smaller discounts compared to competitors.
- Premium Costs: Higher premiums for some policy levels despite discounts.
#3 – Travelers: Best for Coverage Options
Pros
- Customizable Packages: Extensive options to tailor coverage as per personal or business needs.
- Green Home Discount: Incentives for eco-friendly home modifications. See more details on our Travelers car insurance review.
- Efficient Claims Process: Known for a straightforward and fast claims procedure.
Cons
- Pricing Variability: Costs can vary significantly depending on the state and coverage.
- Customer Service Issues: Some reports of less-than-ideal customer service experiences.
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#4 – Progressive: Best for Combining Discounts
Pros
- Snapshot Program: Offers personalized rates based on actual driving. Delve into our evaluation of Progressive car insurance review.
- Multiple Discount Opportunities: Savings for online policy purchases, multi-car, and more.
- Strong Online Presence: User-friendly online tools and mobile app.
Cons
- Variable Customer Satisfaction: Mixed reviews regarding claim satisfaction.
- Rate Increases: Potential rate hikes post-initial policy period.
#5 – Nationwide: Best for Deductible Options
Pros
- Vanishing Deductible: Deductible decreases for each year of safe driving.
- Wide Range of Discounts: Offers multiple ways to reduce premiums including for safe drivers.
- Flexible Policies: Provides a variety of options to customize coverage. Check out insurance savings in our complete Nationwide car insurance discount.
Cons
- Customer Service Variability: Experiences can differ widely by location.
- Policy Pricing: Premiums can be high compared to other insurers with similar offerings.
#6 – Farmers: Best for Utilizing the Signal App
Pros
- Signal App Discounts: Rewards for using the Farmers Signal driving app. Learn more in our Farmers car insurance review.
- Customizable Coverage: Offers unique add-ons and modifications for personalization.
- Effective Claim Service: Generally positive reviews for claim handling efficiency.
Cons
- Higher Cost: Premiums tend to be higher, particularly without discounts.
- Coverage Restrictions: Some coverage options are not available in all states.
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#7 – Allstate: Best for College Students
Pros
- Student Discounts: Competitive rates for college students. Discover more about offerings in our Allstate car insurance review.
- Drivewise Program: Additional savings for safe driving through their app.
- Robust Policy Options: Extensive coverage and protection choices.
Cons
- Higher Premiums: Generally higher rates compared to industry averages.
- Claim Processing Times: Some delays in handling claims have been reported.
#8 – USAA: Best for Military Students
Pros
- Military-Specific Benefits: Tailored services and discounts for military members and their families.
- Superior Customer Service: Consistently high ratings for customer support and satisfaction.
- Competitive Pricing: Competitive rates, particularly for those connected to the military. Unlock details in our USAA car insurance review.
Cons
- Eligibility Restrictions: Services are limited to military personnel and their families.
- Limited Physical Locations: Fewer in-person service options nationwide.
#9 – Geico: Best for Young Drivers
Pros
- Competitive Rates for Young Drivers: One of the best pricing structures for younger demographics.
- Extensive Discounts: Good student, driver’s education, and multi-vehicle discounts.
- Robust Online Tools: Efficient online and mobile services for policy management. Discover more about offerings in our Geico car insurance review.
Cons
- Customer Service Variability: Some inconsistency in service quality was reported.
- Coverage Simplicity: Basic coverage options that might not meet everyone’s needs.
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#10 – Liberty Mutual: Best for 24/7 Support
Pros
- Round-the-Clock Customer Service: Continuous availability for claims and inquiries.
- Accident Forgiveness: Policies include accident forgiveness that prevents premium spikes.
- Customizable Policies: Wide array of add-ons and adjustments for a tailored fit. Read up on the Liberty Mutual car insurance review for more information.
Cons
- Higher Price Point: Generally higher premiums compared to some competitors.
- Mixed Reviews on Claim Settlements: Some dissatisfaction with the claim resolution process.
Monthly Insurance Rates by Company and Coverage Level
Car Insurance Monthly Rates by Coverage Level & Providers That Insure Cars With Blown Airbags
| Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $90 | $150 |
| Allstate | $85 | $130 |
| Farmers | $95 | $160 |
| Geico | $100 | $170 |
| Liberty Mutual | $110 | $180 |
| Nationwide | $70 | $110 |
| Progressive | $75 | $120 |
| State Farm | $85 | $140 |
| Travelers | $80 | $125 |
| USAA | $90 | $145 |
The table of rates reveals a range of insurance costs, varying by company and coverage level. For minimum coverage, Nationwide offers the lowest rate at $70, while Liberty Mutual presents the highest at $110. Full coverage rates follow a similar pattern with Nationwide again providing the most economical option at $110, and Liberty Mutual being the most expensive at $180.
Other notable mentions include Progressive and Travelers, both offering competitive rates at $75 and $80 for minimum coverage, respectively and $120 and $125 for full coverage.
This pricing structure indicates a direct correlation between the comprehensiveness of the coverage and the monthly premium cost, highlighting the importance of comparing rates based on individual insurance needs and budget constraints. Learn more by reading our guide “Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements.”
What Companies Will Sell Me Car Insurance With Blown Airbags
Airbags are not meant to be used more than once. After an accident, a car’s airbag must be replaced. If your vehicle’s airbags have been deployed you should file a claim with your current insurance company and have it pay for the replacement. For more information, read our “Best Accident Insurance Companies.”
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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. See more details in our “Factors That Affect Car Insurance Rates.”
Car Insurance Monthly Rates for Clean Record vs. One Accident by Coverage Level & Provider
| Insurance Company | Clean Record | One Accident |
|---|---|---|
| Allstate | $160 | $225 |
| American Family | $117 | $176 |
| Farmers | $139 | $198 |
| GAINSCO | $91 | $188 |
| Geico | $80 | $132 |
| Liberty Mutual | $174 | $234 |
| Nationwide | $115 | $161 |
| Progressive | $105 | $186 |
| State Farm | $86 | $102 |
| Travelers | $99 | $139 |
| USAA | $59 | $78 |
| U.S. Average | $119 | $173 |
It’s commonly assumed that when airbags 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.
AAA consistently delivers top-tier service and coverage options for cars with blown airbags, setting the industry standard.
Brad Larson Licensed Insurance Agent
Airbag deployment often comes with other damage to the car, especially if the crash was bad. So the cost of repairing the body and airbag will be high. If your insurer decides to total the car, your choices after an accident are limited. Your first option will be to accept the insurance company’s decision. The second is to get an independent appraisal.
If Airbags Deploy Is the Car Considered Salvaged
If your airbags deploy after an accident or for any other reason, you can still get car insurance. Having airbags can decrease your car insurance rates. But new airbags are costly. So if it’s two airbags 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.
Learn more: If airbags deploy, is my car totaled?
The Bottom Line: Car Insurance Companies That Insure Cars With Blown Airbags
Hopefully, this guide will have told you everything you need to know about companies that offer car insurance with blown airbags. The best way to find car insurance companies that don’t insure cars with blown airbags is by getting a quote. To find out more, explore our guide titled “How do you get competitive quotes for car insurance?”
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 airbags near you right away.
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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.
For additional details, explore our comprehensive resource titled “Can married couples have separate car insurance policies?“
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.
Separate car insurance policies for spouses provide flexibility, account for individual driving histories without penalty, and limit shared liability, making them a beneficial choice for managing personal risk and preferences.
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.
Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code below to begin.
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.
While separate insurance policies offer unique advantages, they can also lead to increased costs, missed opportunities for shared benefits, and require more coordination and communication between spouses.
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.
To find out more, explore our guide titled “Best Car Insurance for Married Couples on Separate Policies.”
What options are available for insurance for cars after airbag deployment?
Most insurance companies will allow you to continue insuring your car after airbag deployment, but it may be classified under high-risk policies depending on the extent of other damages.
Who are the high-risk car insurance providers?
Companies like The General, Progressive, and Geico offer policies designed for high-risk drivers, which might include those insuring cars after airbag deployment.
Can you reuse a blown airbag?
Although some airbags can be simply repositioned into their compartments, this does not ensure they will operate as effectively as they should.
Can you insure a car without airbags?
Yes, you can insure a car without airbags; however, the lack of airbags might lead to higher premiums due to increased risk factors.
To learn more, explore our comprehensive resource on “How much do airbags affect car insurance rates?“
If airbags deploy, is the car considered salvage?
Not necessarily; whether a car is considered salvage after airbags deploy depends on the overall cost of repairs compared to the car’s value. If the repair cost exceeds a certain threshold, typically around 70% of the car’s value, it may be declared a salvage vehicle.
Does insurance cover airbag replacement?
Yes, if you have comprehensive or collision insurance, airbag replacement is typically covered if they were deployed in an accident.
Does Geico cover airbag replacement?
Yes, Geico covers airbag replacement if you have collision or comprehensive coverage, and the airbags were deployed in a covered incident.
Is airbag coverage included in insurance?
Yes, airbags are generally covered under comprehensive and collision insurance policies if they deploy due to a covered accident.
Learn more by reading our guide titled “Can you drive a car with airbags deployed?“
Do insurance companies total cars if airbags deploy?
It depends on the cost of the airbag replacement combined with any other damages relative to the vehicle’s value. If the total repair cost is too high, the insurance company may decide to total the car.
Are airbags covered in insurance?
Yes, airbags are covered under most comprehensive collision insurance policies, provided they deploy due to a covered accident.
Is it worth fixing a car with airbags deployed?
Sometimes, the deployment of airbags can result in such severe damage that a car becomes unrepairable. In such cases, the vehicle might be declared a total loss, which occurs when the repair costs exceed the vehicle’s current market value.
What if a car is equipped with airbags?
Airbags help minimize the likelihood of your upper body or head impacting the interior of the vehicle during an accident. To prevent injuries related to airbags, ensure you are seated correctly and bear in mind that airbags are intended to function alongside seat belts, not as a substitute for them.
Access comprehensive insights into our guide titled “If airbags deploy, is my car totaled?“
Are airbags expensive to fix?
Typically, replacing an airbag can cost between $1,000 and $2,000 on average.
How many years do airbags last?
What triggers an airbag?
Airbags deploy when a sensor detects a frontal collision, triggering an electric signal that initiates a chemical reaction, inflating the airbag with benign nitrogen gas. This entire process occurs quicker than a blink of an eye. Airbags are designed with vents that allow them to deflate quickly after providing cushioning.
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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.
