Does auto insurance cover hydrolock?

Auto insurance may cover hydrolock in some situations. While there is no true hydrolocked motor insurance, your comprehensive coverage may kick in to help. When does car insurance cover water damage to the engine? Comprehensive will cover hydrolock and other damages from floods but won't cover neglect or misuse. Comprehensive auto insurance to cover a hydrolocked engine averages only $11 a month.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 2, 2021

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What You Should Know

  • Hydrolock is caused by water in your engine, potentially from a flood or storm.
  • Basic car insurance won’t cover a hydrolocked engine unless it occurs during an accident.
  • You will need additional coverages to make sure your engine is covered.
  • Comprehensive insurance adds about $11 a month on average to your policy.

Sometimes, damage to your vehicle is out of your control. During an event like a flood or hurricane, your car may be damaged externally and internally.

Hydrolock occurs when water gets in your engine, possibly from a major weather event or by driving through a deep puddle. If this happens to you, you may wonder, “Does auto insurance cover hydrolock?”

CAr insurance covers hydrolock in some situations. We will help you learn more about hydrolocked motor insurance and what type of coverage you need. While having the right coverage is important, you also want that coverage at a great price. Comprehensive auto insurance rates for hydrolock are generally very affordable, but you should still shop around.

Compare instant auto insurance quotes to make sure you are getting the best deal out there. Enter your ZIP now to shop for affordable comprehensive auto insurance for hydrolock.

Auto Insurance and Hydrolock

Does insurance cover a hydrolocked engine?

It’s important to know that your auto insurance doesn’t necessarily cover hydrolock. It depends on the coverage you have and what caused the hydrolock in the first place. No coverage will pay out for neglect or intentional damage.

“What is usually covered when I get car insurance?” That depends on the coverage you select. There are three different main types of car insurance:

  • Liability – Covers property damage and bodily injury for the other driver if you cause an accident. Liability insurance will not pay for a hydrolocked engine.
  • Collision – Covers property damage and bodily injury for you and your passengers if you cause an accident. Collision insurance will only pay for a hydrolocked engine if it is a direct result of the accident
  • Comprehensive –  Covers damages to your car not that don’t result from an accident, such as flood, theft, or vandalism. Comprehensive insurance will only cover a hydrolocked engine in certain circumstances

Most states require that drivers carry minimum liability insurance, but that is generally not enough coverage for most incidents. Adding collision coverage and comprehensive coverage to your policy is generally recommended.

Does car insurance cover water damage to the engine? And does insurance pay for a flooded car? Comprehensive auto insurance is most likely what you would need if you have a hydrolocked engine. Comprehensive would come into play in the event of a flood or other damage not from an accident or neglect. Consumer Reports points out that if your car is damaged in a flood, there is a good possibility it will be totaled. In that case, having the correct insurance would be extremely important.

The following table details annual comprehensive coverage rates by state. You can use the search box to see how expensive coverage is in your state.

Average Annual U.S. Comprehensive Auto Insurance Rates by State
StatesAverage Annual Comprehensive
Auto Insurance Rates
New Hampshire$103.03
Rhode Island$122.17
North Carolina$123.00
New Jersey$123.18
New York$156.66
South Carolina$165.38
New Mexico$166.89
West Virginia$195.04
North Dakota$227.64
South Dakota$228.59
District of Columbia$230.25
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The national average for comprehensive coverage is only $11 a month. Watch this video to learn more about everything that comprehensive insurance offers.


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Engine Damage and Auto Insurance

As we discussed earlier, some engine damage is covered under a basic policy, but only if it occurs in an accident and you are not at fault. If you are at fault in an accident or have engine damage not related to a collision, you will need additional coverage.

Comprehensive insurance covers a multitude of problems with your car not caused by an accident. Hail, theft, vandalism, flood, and fire damage are just a few reasons to consider adding extra coverage to your auto insurance policy.

Ready to buy comprehensive car insurance that covers hydrolock? While you are looking at extra coverage, be sure to shop around for the best deals. Enter your ZIP code now to compare comprehensive car insurance quotes for hydrolock and other water damage to your engine.

Frequently Asked Questions: Does Auto Insurance Cover Hydrolock?

#1 – Does car insurance cover flood damage?

This depends on the type of coverage you have. Does insurance cover water in the engine with basic coverage? If you have liability-only coverage, your damages would not be covered and you would have to pay out of pocket for repairs. You need to have comprehensive coverage in order for flood damages to be covered by insurance.

#2 – Can a Hydrolocked engine be saved?

Yes, but the repairs can be extensive. Repairs include removing the water from the flooded cylinders, replacing the spark plugs, and more, depending on the extent of the damage. Repairs can be relatively quick and easy or costly and labor-intensive depending on the damage to the engine.

#3 – How much does it cost to fix a hydrolocked engine?

Again, this all depends on the damage that the engine sustained. Repairs can range from a few hundred dollars to almost $10,000. The cost of repairs also depends on the car itself, as more expensive cars will have more expensive parts to replace.

#4 – Does my car insurance cover transmission repair?

Unfortunately, transmission repair is typically not covered by auto insurance, unless damage is sustained in an accident. Transmission problems are considered general wear and tear, so they won’t be covered.

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