Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 27, 2021

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Key Takeaways

  • 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)

ProviderSingle 17-year-old Female Average Annual RatesSingle 17-year-old Male Average Annual RatesSingle 25-year-old Female Average Annual RatesSingle 25-year-old Male Average Annual RatesMarried 35-year-old Female Average Annual RatesMarried 35-year-old Male Average Annual RatesMarried 60-year-old Female Average Annual RatesMarried 60-year-old Male Average Annual Rates
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
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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.

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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.