Best Car Insurance for Natural Disasters in 2024 (Your Guide to the Top 10 Companies)
State Farm, USAA, and Progressive are the top providers of the best car insurance for natural disasters, starting at just $63 monthly. They excel due to their comprehensive coverage options, exceptional customer service, and proven reliability in handling claims related to natural disasters.
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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: May 14, 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: May 14, 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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13,128 reviewsThe top picks for the best car insurance for natural disasters are State Farm, USAA, and Progressive, known for their affordability and robust coverage.
Natural hazards and disasters can impact car insurance by damaging vehicles directly or affecting the insurance market.
Our Top 10 Company Picks: Best Car Insurance for Natural Disasters
| Company | Rank | Multi-Policy Discount | Low-Mileage Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | 30% | Many Discounts | State Farm |
 | #2 | 10% | 20% | Military Savings | USAA |
 | #3 | 10% | 30% | Online Convenience | Progressive |
 | #4 | 10% | 30% | Add-on Coverages | Allstate |
 | #5 | 10% | 5% | Local Agents | Farmers |
 | #6 | 12% | 30% | Customizable Polices | Liberty Mutual |
 | #7 | 20% | 20% | Usage Discount | Nationwide |
 | #8 | 13% | 10% | Accident Forgiveness | Travelers |
 | #9 | 29% | 10% | Student Savings | American Family |
 | #10 | 10% | 10% | Policy Options | Esurance |
Avoid driving during extreme weather, but even parked cars can be damaged in storms. Learn more on how to assess car damage for insurance purposes.
Moreover, if a storm causes widespread damage, insurance rates may rise for all policyholders to cover large payouts. Use the car insurance rates comparison tool in the box above now by just typing in your ZIP code.
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#1 – State Farm: Top Overall Pick
Pros
- Bundling Policies: Significant discounts for bundling multiple insurance policies. Learn more in our State Farm car insurance review.
- High Low-Mileage Discount: Offers a substantial 30% discount for low-mileage usage.
- Best for Many Discounts: Known for a variety of discount options that cater to different needs.
Cons
- Limited Multi-Policy Discount: Multi-policy discount is only 17%, lower compared to some competitors.
- Premium Costs: Premiums may still be relatively high despite discounts.
#2 – USAA: Best for Military Savings
Pros
- Military Savings: Tailored benefits and savings for military members and their families.
- Substantial Low-Mileage Discount: Offers a 20% low-mileage discount. See more details on our USAA car insurance review.
- Best for Military Community: Designed specifically to meet the needs of military personnel.
Cons
- Limited Multi-Policy Discount: Only offers a 10% multi-policy discount.
- Availability: Services are limited to military members, veterans, and their families.
#3 – Progressive: Best for Online Convenience
Pros
- Online Convenience: Streamlined online services for easy policy management. More information is available about this provider in our Progressive car insurance review.
- High Low-Mileage Discount: Attractive 30% discount for drivers with low mileage.
- Best for Online Tools: Advanced online tools and mobile apps for customers.
Cons
- Multi-Policy Discount: Offers a relatively low multi-policy discount of 10%.
- Online Focus: This may not suit customers looking for personalized agent interactions.
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#4 – Allstate: Best for Add-on Coverages
Pros
- Add-on Coverages: Wide range of optional coverages for customized protection.
- High Low-Mileage Discount: Provides a 30% discount for low-mileage drivers. Read up on the Allstate car insurance review for more information.
- Best for Policy Customization: Offers numerous ways to tailor policies to individual needs.
Cons
- Moderate Multi-Policy Discount: Multi-policy discount is limited to 10%.
- Cost of Add-ons: Additional coverages can significantly increase overall costs.
#5 – Farmers: Best for Local Agents
Pros
- Local Agents: Strong presence of local agents providing personalized service. Check out insurance savings in our complete Farmers car insurance review.
- Best for Personal Interaction: Focus on direct customer relationships through agents.
- Unique Community Involvement: Actively involved in local communities.
Cons
- Low Multi-Policy Discount: Offers a lower multi-policy discount of 10%.
- Limited Low-Mileage Discount: Only a 5% discount for low mileage, less competitive.
#6 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Highly flexible policies that can be tailored to specific needs.
- High Low-Mileage Discount: Attractive 30% discount for low-mileage users.
- Best for Customization: Offers extensive options for policy customization. Discover more about offerings in our Liberty Mutual car insurance review.
Cons
- Slightly Higher Multi-Policy Discount: Only a 12% discount on multi-policy bundles.
- Complexity in Customization: Customizing policies can be complex and time-consuming.
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#7 – Nationwide: Best for Usage Discount
Pros
- Usage Discount: Offers significant savings for usage-based insurance.
- High Multi-Policy Discount: Strong multi-policy discount of 20%. Access comprehensive insights into our Nationwide car insurance discounts.
- Best for Smart Drivers: Ideal for those who prefer to pay based on their driving habits.
Cons
- Standard Low-Mileage Discount: Low-mileage discount capped at 20%.
- Niche Market Focus: Best savings require adherence to specific driving behaviors.
#8 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Policies include options for accident forgiveness. Delve into our evaluation of Travelers car insurance review.
- Best for Long-Term Customers: Rewards loyalty with more forgiving policy terms.
- Moderate Multi-Policy Discount: Offers a 13% discount on multiple policies.
Cons
- Lower Low-Mileage Discount: Only a 10% low-mileage discount is available.
- Premium Pricing: Accident forgiveness and other features may come at a higher cost.
#9 – American Family: Best for Student Savings
Pros
- Student Savings: Offers substantial discounts and benefits for students. Unlock details in our American Family car insurance review.
- High Multi-Policy Discount: Very competitive multi-policy discount of 29%.
- Best for Young Drivers: Tailored services that cater to the needs of younger drivers.
Cons
- Limited Low-Mileage Discount: A modest 10% discount for low mileage.
- Market Specific: Benefits are more oriented towards a younger demographic.
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#10 – Esurance: Best for Policy Options
Pros
- Diverse Policy Options: Offers a wide range of policy choices for various needs.
- Best for Tech-Savvy Users: Strong online presence and digital tools. Discover insights on how you get an Esurance car insurance quote.
- Standard Discounts: Offers standard discounts on multi-policy and low-mileage.
Cons
- Equal Discounts: Both multi-policy and low-mileage discounts are capped at 10%.
- Digital-First Approach: This may not suit customers preferring traditional, personal service.
Comparing Car Insurance Rates for Protection Against Natural Disasters
Natural disasters can wreak havoc on your car, and having the right insurance coverage is crucial for peace of mind. Let’s delve into the specific coverage rates offered by some top insurance companies, comparing both minimum and full coverage.
Car Insurance for Natural Disasters: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $82 | $233 |
| American Family | $79 | $237 |
| Esurance | $71 | $209 |
| Farmers | $97 | $260 |
| Liberty Mutual | $99 | $295 |
| Nationwide | $83 | $252 |
| Progressive | $87 | $240 |
| State Farm | $78 | $228 |
| Travelers | $72 | $218 |
| USAA | $63 | $195 |
When it comes to minimum coverage, USAA stands out with the lowest monthly rate at $63, followed closely by State Farm at $78. On the other end, Liberty Mutual and Farmers offer minimum coverage at $99 and $97, respectively.
Moving on to full coverage, Progressive takes the lead with a monthly rate of $240, closely trailed by Farmers at $260. For those seeking budget-friendly options, Travelers and State Farm offer Full Coverage at $218 and $228 per month. For additional details, explore our comprehensive resource titled “How often should you check car insurance quotes?“
The Difference Between a Natural Hazard and a Natural Disaster
The terms natural hazard and natural disaster are regularly confused.
Natural hazard is the term given to certain weather events.
These weather events can include:
- Tsunamis
- Hurricanes
- Tornadoes
- Earthquakes
- Volcanoes
- Pestilence
- Droughts that affect food crops
- Lightning storms
- Wildfires
While the natural hazard is the weather event itself, a natural disaster is the effect. these natural hazards have on people.
A natural hazard becomes a natural disaster when there is a loss of life or extreme property damage. Access comprehensive insights on how you get competitive quotes for car insurance.
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How a Natural Disaster Can Affect the Car Insurance Market
Most people understand how an individual’s car insurance premium can increase when they have to file a claim for a car that has been damaged in a storm or other natural hazard.
People might not be completely aware of how a major natural disaster can affect the rates of a person who was in no way involved or affected by the natural disaster.
If a natural disaster causes an insurance company to have to pay out millions in claims to keep the insurance company from failing, they might have to increase the insurance rates of all of their policyholders.
During the period directly following a natural disaster it might even be in the insurance company’s best interest to not offer new coverage for a short time.
If a certain area experiences multiple natural disasters in a short window of time or if a certain area is more prone to things like tornadoes, hurricanes, and earthquakes, the cost of certain types of car insurance coverage can be increased permanently.
An example of this might be how flood insurance coverage often costs more in areas that are more prone to flooding because they have more annual rainfall or are more prone to hurricanes. So naturally, flood insurance coverage would cost more in Florida than it would in Kansas. A person would pay more for wildfire coverage if they lived in southern California than they would if they lived in Oregon.
How the Green Movement Is Affecting Car Insurance
The Green Movement focuses on reducing energy demands and carbon emissions. There is increasing evidence that high carbon emissions and high energy demands hurt the weather throughout the world.
One of the ways this happens is that certain weather events become more severe.
More severe natural hazards equals more damage and a more adverse affect on the insurance market.
Since the insurance industry recognizes how “going green” can benefit their bottom line in the long run, they have started to invest in the Green Movement. Some of the ways the insurance industry is investing in the Green Movement are by offering discounts for more earth-friendly cars and by donating money every year to “green” charities and organizations.
Many leading national car insurance companies offer a five-percent to ten-percent discount to policyholders who drive a more earth-friendly car. Some of these cars include hybrids like the Toyota Prius and cars that have been modified to use biofuel instead of fossil fuels or to produce less carbon emissions. More earth-friendly cars not only offer the policyholder the chance of a discount on their car insurance but also tend to be much safer.
Cars that do not rely on fossil fuels are less likely to catch on fire if they are in an accident. The majority of these earth-friendly cars have been manufactured in the past six to seven years, which means they have been manufactured under much stricter government safety regulations.
State Farm leads the pack in car insurance for natural disasters, combining comprehensive coverage with exceptional value.
Brad Larson Licensed Insurance Agent
Earth-friendly cars also tend to be made out of more impact-resistant materials, have brighter lights, and have airbags not only in the dashboard and steering wheel but also at the sides of the car. To learn more, explore our comprehensive resource on “Minimum Car Insurance Requirements by State.”
Case Studies: Car Insurance for Natural Disasters
In areas where natural disasters are a frequent threat, finding the right car insurance that feels like a reliable safeguard can be daunting. Through these case studies, we delve into personal stories of individuals who have found bespoke insurance solutions to protect themselves and their properties in the face of nature’s unpredictability.
- Case Study #1 – Tailored Coverage in Earthquake-Prone Regions: Sarah, a homeowner in an earthquake-prone zone, found the perfect insurance solution with State Farm. Their wide agent network and customized policies ensured comprehensive coverage. Local agents provided invaluable support, guiding her through claims seamlessly.
- Case Study #2 – Military Precision in Hurricane-Affected Regions: John, a serviceman in a hurricane-prone coastal area, chose USAA for its tailored military services. When a fierce hurricane hit, USAA’s insurance provided reliable protection for his property and car amidst extensive damage.
- Case Study #3 – Innovative Solutions for Tornado-Risk Areas: Mark, a cautious driver in a tornado-prone region, prioritizes insurance coverage that adapts to his driving habits and offers protection against natural disasters. Choosing Progressive for its innovative coverage solutions and usage-based savings, Mark experienced the challenge of a severe tornado damaging his car.
These case studies emphasize the significance of choosing an insurance provider that not only offers coverage tailored to specific regional risks but also delivers substantial support during crises. The personal accounts of Sarah, John, and Mark illustrate how dedicated customer service and tailored insurance solutions are vital in easing the financial strains caused by natural disasters.
Read more: Can I purchase additional car insurance during a storm?
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What to Do When a Car Is Damaged in a Natural Disaster
Does car insurance cover natural disasters? When a person’s car is damaged in a natural disaster or by the effects of a natural disaster, they should contact their car insurance provider as soon as possible to file a claim (For more information, read our “How much car insurance coverage do I need for a new car?”).
Choose State Farm for exceptional customer service and robust coverage in the face of unpredictable natural events.
Tracey L. Wells Licensed Insurance Agent & Agency Owner
They should take photographs of the damage and provide their car insurance company with any relocation or contact change information. With some natural disasters, there could be a time limit to file a claim.
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Frequently Asked Questions
Does car insurance cover damage from natural disasters?
It depends on the type of coverage you have. Comprehensive car insurance typically covers damage from natural disasters, including hurricanes, floods, earthquakes, hailstorms, and wildfires. However, standard liability or collision coverage alone may not cover such damages. It’s important to review your insurance policy or consult with your insurance provider to confirm the extent of coverage for natural disasters.
Learn more in our “Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements.”
What does comprehensive car insurance cover in relation to natural disasters?
Comprehensive car insurance provides coverage for damage to your vehicle caused by events other than collisions with another vehicle. This can include damage from natural disasters, such as:
- Floods: Water damage to your car from flooding caused by heavy rains, storms, or overflowing rivers.
- Hailstorms: Dents, cracks, or shattered windows caused by hailstones.
- Hurricanes and windstorms: Damage from high winds, falling trees, or flying debris during a hurricane or windstorm.
- Earthquakes: Damage to your vehicle resulting from seismic activity.
- Wildfires: Damage from fire or smoke due to a wildfire.
How can I compare car insurance coverage for natural disasters?
When comparing car insurance coverage for natural disasters, consider the following factors:
- Comprehensive coverage: Ensure the policy includes comprehensive coverage, which protects against damage from natural disasters.
- Deductibles: Review the deductible amount for comprehensive coverage. A higher deductible may lower your premium but means you’ll pay more out of pocket in the event of a claim.
- Coverage limits: Check the coverage limits for comprehensive coverage. Make sure they are sufficient to cover potential damages caused by natural disasters.
- Additional coverage: Some insurance providers may offer optional add-ons or endorsements specifically for natural disaster coverage. Inquire about any additional coverage options available.
Is car insurance required by law to cover natural disasters?
Car insurance requirements vary by state and country. While liability insurance is typically required by law, coverage for natural disasters may not be mandatory. However, it’s highly recommended to have comprehensive coverage, especially if you live in an area prone to natural disasters.
What should I do if my car is damaged in a natural disaster?
If your car is damaged in a natural disaster, follow these steps:
- Ensure your safety. Prioritize your safety and the safety of others. Follow any evacuation or emergency procedures if necessary.
- Document the damage. Take photos or videos of the damage to your car from different angles. This documentation will be helpful when filing an insurance claim.
- Contact your insurance provider. Report the damage to your insurance provider as soon as possible. They will guide you through the claims process and provide instructions on how to proceed.
- Follow claim procedures. Provide the necessary information, including photos, a description of the damage, and any supporting documents requested by your insurance provider.
- Arrange for repairs. Once your claim is approved, work with the insurance company’s approved repair shops or follow their guidelines to get your car repaired.
See more details on our “Car Insurance Claim Investigation.”
What is act of nature car insurance?
Act of nature car insurance refers to coverage that protects against damage to your car caused by natural events such as earthquakes, floods, or storms.
Are hurricanes covered by insurance?
Yes, hurricanes are typically covered under comprehensive car insurance policies, which protect against damage not caused by a collision.
Can we claim car insurance for natural disasters?
Yes, you can claim car insurance for natural disasters if you have comprehensive coverage, which includes events like floods, tornadoes, and other natural incidents.
What does car insurance for natural calamity cover?
Car insurance for natural calamities covers damage to your vehicle caused by natural events such as earthquakes, floods, hurricanes, and wildfires, provided you have comprehensive coverage.
Access comprehensive insights into our “Types of Car Insurance Coverage.”
Does car insurance cover hurricane damage?
Yes, car insurance covers hurricane damage if you have a comprehensive policy that includes coverage for natural disasters and weather-related events.
What does car insurance natural disaster coverage typically include?
Car insurance natural disaster coverage generally includes protection against events like hurricanes, floods, earthquakes, and wildfires, which are covered under comprehensive policies.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
How does car insurance natural disaster differ from regular coverage?
Car insurance natural disaster specifically refers to policies that include comprehensive coverage, offering protection against non-collision related incidents such as environmental and weather-related damages.
Why is it important to have car insurance natural disasters coverage?
Having car insurance for natural disasters coverage is crucial as it protects your vehicle from significant damage due to unforeseen natural events, helping you manage financial losses effectively.
For additional details, explore our comprehensive resource titled “How do you file a car insurance claim?“
What damage can a category 3 hurricane cause to a vehicle?
A category 3 hurricane can cause severe damage to vehicles, including broken windows, dented bodies from flying debris, and possible engine flooding if submerged in water.
Are vehicles covered for damage from a category 4 hurricane under standard car insurance policies?
Standard car insurance policies do not cover damage from a category 4 hurricane unless you have comprehensive coverage, which includes protection against major natural disasters.
What is the meaning of a category 4 hurricane?
A category 4 hurricane is a tropical cyclone with wind speeds between 130 and 156 mph, causing severe damage to well-built homes, uprooting trees, and significantly disrupting power and water services.
What does category 4 storm mean?
A category 4 storm refers to a severe tropical cyclone or hurricane with wind speeds ranging from 130 to 156 mph, characterized by catastrophic damage to infrastructure and the environment.
See more details on our “How do you get competitive quotes for car insurance?“
What is a disaster car price?
Disaster car price refers to the reduced cost at which vehicles damaged by disasters like floods or hurricanes are sold, typically below market value due to their compromised condition.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
Do car insurance cover natural disasters?
Yes, car insurance can cover natural disasters if you have comprehensive coverage, which includes damages from events like floods, hurricanes, or earthquakes.
Does auto insurance cover natural disasters?
Yes, auto insurance covers natural disasters under the comprehensive portion of an insurance policy, protecting against damages not caused by collisions.
Discover insights in our “Where can I find the lowest car insurance quotes?“
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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.
