You don’t have to be in a serious car accident to start worrying about the cost of car repairs.
Whether it’s a cracked windshield or deep paint scratches on the hood, you need to know how much common auto body repairs cost and find out if your car insurance provider will cover the expense to keep your budget on track.
While the cost of auto body repairs varies significantly by repair shop, the make and model of your vehicle, and the extent of damage, you can take a look at national averages for a fair idea of how much some of the most common auto body repairs cost.
From dented car doors to damaged suspension systems, here are some cost estimates for common car repairs and insights about how auto insurance coverage could help cover your car repair costs. And if you’re on the lookout for a new insurance carrier that will bear the burden of these fixes, or simply want to compare quotes from top insurance companies nationwide, be sure to check out Insurify.
Say a driver pulls up next to you and slams their door open right into yours, or maybe you push a little too hard when opening your car door and hit another car, a wall, or a shopping cart. If the door is dented or damaged, you’re probably wondering what it’s going to take to manage your door repair costs. If the window or door lock is broken, you might even need a full car door replacement.
The cost of a dented door depends on how big and deep the dent is, as well as the type of vehicle you own. If the area around the car door lock gets damaged, you may need to pay additional fees to replace the lock. Shattered or damaged windows add to the cost of your car door repairs.
According to HowMuchIsIt.org, car door repair costs can range from a few hundred dollars to up to $1,500 or more. If you just need dent removal, you can expect to pay about $350.
If you have collision coverage through your auto insurance provider, you will only need to pay the deductible and your insurance company will cover the cost of repairing your car door. Collision insurance typically covers accidents as well as any objects you might have hit. If you damaged a fence, telephone pole, or other property, your property damage liability coverage will cover the repairs.
Even though car insurance will likely cover the cost of a door replacement, you could end up saving money if you don’t file a car insurance claim—especially if you’re at fault. If it was your fault, there’s a good chance your insurance rates will go up and you could lose any discounts or bonuses you receive. If you can afford it, shop around for auto body shops that can take care of the car door repair at a reasonable price and pay for car door repair costs out of pocket.
Suppose you are driving down a country road and hit a giant pothole. Fortunately, you are still able to maneuver the car but can tell the handling was off. Your suspension system is probably damaged after this type of incident, and this can be a costly repair. Suspension systems in older cars can also become worn down which means you might need to replace shock absorbers, struts, and other components of the suspension system—or the entire system altogether.
According to CostHelper.com, it can cost anywhere from $1,000 to $5,000 or more to repair the entire suspension system. If you only need to replace the shock absorbers or struts, expect to pay between $200 to $1,500 for non-luxury vehicle repairs and $2,000 to $5,000+ for luxury vehicles.
Since it’s one of the most expensive parts of the car to fix, having some type of warranty coverage on general wear and tear of major systems, such as your suspension system, could save you hundreds or thousands of dollars on repairs over time.
If damage to your car’s suspension system is a result of general wear and tear, car insurance won’t cover the cost of repairs. If you hit a pothole and damaged the suspension or are in any type of accident that caused internal damage to the vehicle that affects the suspension system, collision coverage should cover repairs.
If you can pay for suspension repair costs on your own, you may end up saving money by forgoing making a claim. You can expect your insurance rates to go up if you file a claim, which means you could end up paying a higher premium in the long run. You’ll also have to pay the deductible, so if you already have a deductible of $500 or $1,000, it might make more financial sense to simply pay for the cost of repairs on your own.
Now imagine you go grocery shopping and park closer to the store where the shopping carts are stored. Carts abandoned outside of the designated cart areas end up hitting your car and scratching one of the doors. While there aren’t any dents, a lot of the paint has been scratched off, or you notice areas where paint is starting to peel and crack.
Car paint repair costs vary significantly by auto body repair shop, type of paint used, and the extent of paint damage. You can use an online car paint job estimate calculator to get a rough estimate of the cost of paint jobs for your car. According to CostHelper.com, some auto repair shops can charge anywhere from $300 to $900 for basic coverage. If you want brand-name paint and a higher quality paint job, you can expect to pay anywhere from $1,000 to $1,800+. Showroom-quality paint jobs can cost upward of $2,500 and as much as $7,500.
It’s unlikely that you will have coverage for paint damage with your auto insurance policy, but your comprehensive car insurance coverage will cover paint scratches caused by vandalism or falling objects. If a deer hit your car and caused paint scratches or your car was subject to a natural disaster and needs to be repainted, your insurance may cover paint costs.
Your decision to file a claim for auto paint repair damage will be determined by your deductible and the cause of damage. If the incident occurred because of your own mistake—accidentally scratching the paint while moving something out of the car, hitting the car door on a wall, or similar—insurance won’t cover the repair. If you have a low deductible and estimate the paint job after your car was struck by a falling tree will cost a few thousand dollars, it might make sense to file a claim. Still, you run the risk of an insurance premium increase if you file the claim.
This time, somebody driving behind you forgets to hit the brakes as you pull up to a stoplight and now you’re left with a big dent in the rear bumper. Or perhaps you back into a wall or other objects by accident or are rear-ended in a major accident.
According to HowMuchIsIt.org, the cost to repair a rear bumper dent can be anywhere from $150 to $600. If you have a deep scratch or cracks in the bumper, it can cost as much as $2,500 to replace the entire bumper. Bumper scratch repairs may be less costly and might only involve a quick paint touch up. It’s fairly easy to get a quote from a body shop for any minor bumper damage and the job itself doesn’t take long.
If you were at fault for the incident that caused damage to the bumper, your collision coverage will pay for the damage to your car and any injuries to parties involved in the incident. If you denied collision coverage, you will need to pay for the cost of repairs out of pocket. Keep in mind that a high deductible could cost more than paying for a basic repair out of pocket. If you have the cash available to cover bumper repair costs on your own, you can avoid paying a higher price to cover the deductible and also avoid an increase in your insurance premium in the future.
Whether you are in a car accident that shatters most of the windows or your windshield cracks from debris as you drive through a construction zone, you’ll need to get the glass replaced as soon as possible.
According to CostHelper.com, repairing a small crack or chips in the windshield can cost $10 to $150, depending on the extent of the damage. Replacing the entire windshield can cost between $100 to $400, depending on the make and model of your vehicle, as well as the quality of the windshield glass. If you have a rare vehicle or the windshield is only available through a dealership, expect to pay $500 to $1,500.
The cost to replace a standard side door car window is $100 to $350, according to CostHelper. Smaller windows, or quarter size windows, can cost up to $500.
If you have comprehensive auto insurance coverage, you can have damaged glass replaced with a $100 to $300 deductible, according to the Insurance Information Institute. If you were involved in a car accident and it was the other motorist’s fault, the cost of repairs for broken glass would be covered by collision insurance.
If you need a windshield repaired or replaced, most insurance companies will cover the cost of auto repairs with comprehensive insurance coverage, reports the Insurance Journal. You’ll need to review the details of your coverage, but in many cases, you can have your windshield replaced once a year at no cost or for a low deductible. You can also purchase a full glass rider for your policy which covers the cost of repairing or replacing glass damage with a zero deductible.
In most cases, it makes sense to take advantage of insurance benefits for a cracked windshield. Most car insurance companies cover the cost of repairing or replacing your windshield at little to no cost. In some states, insurance companies provide zero-deductible coverage.
Filing a claim for broken windows depends on your situation. If the cause of damage was your fault and the windows only cost a few hundred dollars to replace, you may be better off paying the out-of-pocket cost and avoid getting an insurance premium hike in the near future. If the incident wasn’t your fault, you can file a claim along with the police report so the insurance company can take care of all repair costs related to the incident.
Whether you’re involved in a serious accident or a minor fender bender, you can save on several auto repair costs when you have adequate car insurance coverage. Your insurance company can provide comprehensive, collision, and personal liability coverage plans with a low deductible so you’re never in a situation where you have to pay thousands of dollars for auto repairs out of pocket.
Shopping around for the best car insurance quotes and exploring different coverage plans can help you better prepare for emergency auto repairs…and keep your budget in check. Compare auto insurance quotes in your area today and get the coverage and savings you need with Insurify.