Best Cheap Car Insurance Company That Insures Cars With Blown Airbags (2021)
If you're looking to find quotes from car insurance companies that insure cars with blown airbags, you'll likely be able to find most insurers will be willing to give you a policy starting as low as $2,500 annually or $208/mo. If you've just been in an accident, find car insurance companies that don't insure cars with blown airbags by comparing rates now.
Compare Car Insurance Companies
Secured with SHA-256 Encryption
UPDATED: Sep 27, 2021
It’s all about you. We want to help you make the right car insurance 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 car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
- You can get car insurance without airbags since older cars do not have them
- Most insurers provide discounts for cars with airbags
- If it costs more to replace your airbags than a percentage of your car’s value, it can be considered a total loss
When your airbags deploy, it can cause all kinds of new stress. However, there’s good news for those looking for car insurance companies that insure cars with blown airbags. Thankfully, most insurers will be able to insure a car without airbags, but the real issue will come from the repairs.
If you want to find car insurance companies that insure cars with blown airbags, enter your ZIP code into our free quote tool.
Car Insurance Companies That Insure Cars With Blown Airbags
There are virtually no consequences to your insurance if you drive a car without airbags.
In fact, most insurance companies assume modern cars automatically have airbags and will give the driver a discount based on that. This is usually automatic and won’t be affected if you drive without.
Airbags have only been popular for around 30 years, so it makes sense that insurers wouldn’t fault you for not having them.
The below rates are the average annual rates for the top 10 car insurance companies that aren’t dependent on airbags:
Comparison of Average Annual Car Insurance Rates (Top 10 Providers)
|Provider||Single 17-year-old Female Average Annual Rates||Single 17-year-old Male Average Annual Rates||Single 25-year-old Female Average Annual Rates||Single 25-year-old Male Average Annual Rates||Married 35-year-old Female Average Annual Rates||Married 35-year-old Male Average Annual Rates||Married 60-year-old Female Average Annual Rates||Married 60-year-old Male Average Annual Rates|
Get Your Rates Quote Now
The more worrisome issue comes when you get in an accident that deploys your airbags and you’re forced to go through the paperwork with your insurance company. This can cause your rates to raise exponentially no matter what insurer you have a policy at.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
How to Get Car Insurance With Blown Airbags
Getting insurance on a car without airbags isn’t difficult because cars on the market have only had passenger airbags for 30 years — and driver’s side airbags for even less.
Even still, insurers’ will often provide car insurance discounts on modern cars due to their likelihood to contain airbags.
However, the insurer likely won’t verify this and the discount will be applied automatically, depending on your vehicle and insurer.
If you’ve been in an accident recently that caused your airbags to deploy, you will see your current car insurance rates go up. Furthermore, you’ll have a hard time finding a new insurer who’d be willing to offer you a policy after a recent accident.
If airbags deploy, is the car salvage?
This depends largely on your state’s regulations for what’s considered salvage, or a total loss. When your car gets damaged, the cost of repairs is compared to the overall value of the vehicle. If the repairs reach a certain percentage of the vehicle’s cost, then your car is considered a total loss.
Each state makes their own vehicle requirements and below are a few examples of the different rates you can expect:
- Delaware: 80%
- Indiana: 70%
- Kentucky: 75%
- Oklahoma: 60%
As you can see, the total loss threshold can range from 60%-80% of the car’s total value depending on the state.
Nearly half of the states leave that distinction up to the insurer to decide if the vehicle is a total loss after figuring out the repairs plus the scrap value of the vehicle. Some examples of these states are Alaska, Arizona, and Hawaii.
If your car’s airbags deploy and the insurance repairs don’t exceed the threshold, it shouldn’t disqualify you from being able to continue your auto insurance policy or getting a new one.
Can airbags be replaced after accident?
Airbags can typically be replaced at a professional repair shop. It’s important to get it done by a professional due to the importance of making sure the safety system works as intended when you need it.
If you intend to replace them at home, it’s important to make sure the crash sensor is reset in order for the airbags to deploy if you need them. Getting the work done at a professional repair shop will ensure your vehicle is ready to protect you against any hazards.
According to III, airbags have helped prevent over 2,700 deaths in those 13 years old or older in 2017.
Can you drive a car with the airbags deployed?
Once you cut the deployed airbags, you can likely drive your car just like you did before. However, it’s important that you replace them at your earliest convenience to make sure you’re safe for the future.
How Accidents Affect Car Insurance Coverage
If you get into an accident that causes your airbags to deploy, you’ll likely see your rates go up. This isn’t from the lack of airbags; it has more to do with the repairs your vehicle will need. Even if you’re not at fault, you can likely expect your premiums to go up.
This comes with the increased risk that someone who’s been in an accident poses. Statistically, those who have been in such accidents have a better chance of getting into another one.
If you’ve just been in an accident that caused your airbags to deploy, you’ll likely run into a lot of car insurance companies that don’t insure cars with blown airbags.
Car Insurance With Blown Airbags: The Bottom Line
If your airbags have blown and you’re worried about not getting coverage, you’re likely in luck. Airbags have only been widely used since the 1980s, so insurers don’t view them as a necessity. That being said, you can get a discount due to them if you drive a modern car.
If you’re looking for car insurance companies that insure cars with blown airbags, enter your ZIP code into our free quote tool to get an idea of what you could pay.