Most standard auto insurance policies do not cover routine transmission repairs caused by wear and tear or lack of maintenance. However, your insurance may pay for transmission damage if it results from a covered incident. Understanding when coverage applies can help you avoid unexpected repair costs.
When Auto Insurance May Cover Transmission Repair
1. Comprehensive Coverage
Comprehensive insurance protects against events beyond your control, such as:
- Theft or vandalism
- Fire or weather-related damage
- Hitting an animal
- Falling objects like trees
If one of these events damages your transmission, comprehensive coverage may pay for repairs, minus your deductible.
2. Collision Coverage
Collision coverage helps repair damage from collisions, including:
- Hitting another vehicle, tree, or fence
- Being hit while parked
Coverage applies up to your policy limits, minus the deductible.
3. Uninsured/Underinsured Motorist Coverage
If another driver damages your transmission and lacks adequate insurance, this coverage may pay for repairs, up to your policy limits.
4. Vehicle Protection Plans
Some insurers, like Progressive, offer Vehicle Protection plans that may cover transmission repairs beyond the manufacturer’s warranty. These plans often require:
- Newer cars
- Existing liability, comprehensive, and collision coverages
- Roadside assistance and rental car coverage
What Auto Insurance Does NOT Cover
- Normal wear and tear or mechanical breakdowns from age or poor maintenance
- Gap insurance: Only covers the difference between your loan balance and vehicle value if totaled or stolen
Does “Full Coverage” Include Transmission Repairs?
The term “full coverage” is not an official insurance type—it typically refers to a combination of liability, comprehensive, and collision coverages. Transmission damage may be covered if caused by an accident or an unexpected event.
Bottom Line
Auto insurance generally won’t cover routine transmission repairs, but it may cover damage from covered events like accidents, weather, or vandalism. For protection against mechanical failure, consider a vehicle protection plan or extended warranty.
