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 Chris Harrigan

UPDATED: Mar 21, 2022

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Key Takeaways

  • Comprehensive car insurance covers up to all four tires if they are damaged by vandals or inclement weather
  • Collision auto insurance covers up to all four tires if they are damaged in a collision or car accident
  • Insurance will not cover any tires until you meet your policy’s deductible

How many tires does insurance cover? Full coverage car insurance will cover all four of your tires. Your comprehensive policy insurance will cover tire replacement if yours are slashed, stolen, or vandalized. Collision coverage will cover the cost of replacement if your tires are damaged in an accident. 

Does insurance cover slashed tires? Yes, with full coverage, comprehensive insurance will pay for acts of vandalism, including slashed tires. However, you’ll be responsible for paying your deductible. 

Adding comprehensive coverage will raise your insurance rates, but carrying a full coverage policy will protect you from paying out of pocket for damages like slashed tires. Continue reading to discover how much full coverage auto insurance costs and how you can set affordable deductibles that cover two, three, or all four of your tires.

Does insurance cover tire replacement?

Insurance covers tire damage and replacement tires if you carry the right policy. For example, if you only have basic liability insurance, it won’t cover tire replacement. However, if you carry a full coverage policy, your insurance will likely cover tire replacement. 

Full coverage auto insurance includes three types of policies:

  • Liability 
  • Collision 
  • Comprehensive 

Drivers must carry either collision or comprehensive insurance to cover tire replacement. Comprehensive will cover vandalism and acts of God, which include severe weather-related incidents, while the collision policy will cover accidents involving other vehicles or property.

You can choose to carry one or the other. However, acquiring both types with a full coverage policy is in your best interest if you want to cover all four of your tires. 

Full coverage insures all of your tires for most damages, from collision to vandalism. However, there are limitations depending on your car insurance company and policy type. For example, you may want to carry additional coverages if you have custom parts.

Does insurance cover nails in tires?

No, insurance will not cover a nail in your tire because it’s considered normal wear and tear. In addition, insurance companies don’t cover flat tires unless they are flattened in an accident or inclement weather.

However, if you can prove that the nails are an act of vandalism, you may be able to file a comprehensive insurance claim.

Does insurance cover two slashed tires?

Yes, comprehensive car insurance will cover two slashed tires. In addition, your comprehensive policy will cover all slashed tires as long as the cost to replace them exceeds your deductible. So even if you slash three tires, insurance will cover it.

Does insurance cover pothole damage?

Yes, car insurance will cover rim and tire damage if you hit a curb or pothole. You can file a claim with your collision coverage for pothole damage on one or all of your tires.

However, consider the cost of repairs before filing a claim. Insurance will not pay for tire damages until you meet your deductible.

When will my insurance not cover tire replacement?

Insurance companies will not cover tire replacement for normal wear and tear. What companies consider wear and tear can differ, but it usually includes any flat caused by nails or the age of the tire. 

If you have roadside assistance, your insurance may cover the cost of towing your vehicle to a tire shop or replace the tire at a discount. Check the terms of your policy to determine what coverages you’re eligible for.

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How much will it cost for insurance to cover all my tires?

If you want insurance to cover all four of your tires, carry a full coverage policy. Full coverage is more expensive than basic liability, but it can be worth it for a newer vehicle or a long commute.

Find your state in the table below to discover how much full coverage costs compare to liability-only:

Average Monthly Car Insurance Rates by Coverage Type and State

StatesAverage Monthly Liability RatesAverage Monthly Collision RatesAverage Monthly Comprehensive RatesAverage Monthly Full Coverage Rates
Alabama$37$28$14$79
Alaska$47$31$12$90
Arizona$48$25$16$89
Arkansas$36$29$17$82
California$45$36$8$88
Colorado$49$25$17$91
Connecticut$59$32$11$102
Delaware$69$28$11$107
District of Columbia$58$41$19$118
Florida$76$26$11$113
Georgia$55$30$14$98
Hawaii$39$27$9$75
Idaho$32$20$10$62
Illinois$40$27$11$77
Indiana$34$22$11$67
Iowa$27$19$16$62
Kansas$32$23$21$76
Kentucky$47$24$12$83
Louisiana$73$37$19$128
Maine$30$23$9$62
Maryland$55$31$13$100
Massachusetts$52$34$12$98
Michigan$72$37$13$121
Minnesota$39$20$16$76
Mississippi$41$29$18$88
Missouri$38$24$16$79
Montana$34$23$21$77
Nebraska$33$21$20$74
Nevada$64$27$10$100
New Hampshire$35$26$9$70
New Jersey$76$33$11$119
New Mexico$44$24$15$84
New York$71$34$15$120
North Carolina$31$26$11$67
North Dakota$25$22$20$67
Ohio$35$24$10$69
Oklahoma$40$27$20$88
Oregon$53$20$8$81
Pennsylvania$43$29$13$85
Rhode Island$68$36$11$116
South Carolina$50$24$16$89
South Dakota$26$19$24$69
Tennessee$37$27$13$77
Texas$49$33$19$101
Utah$45$23$10$78
Vermont$30$26$11$68
Virginia$38$25$12$74
Washington$53$24$9$86
West Virginia$43$28$18$88
Wisconsin$33$20$12$65
Wyoming$29$24$23$75
Countrywide$48$29$13$90
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Collision coverage will raise your rates between $20-$30 per month and covers your tires when you’re involved in an accident. Comprehensive coverage increases your rates another $10-$20 per month but will cover your tires for any other damages not sustained in a collision. 

If you purchase both collision and comprehensive policies, you may notice your monthly car insurance rates double.

How much does it cost to replace a tire?

A single tire costs $167 to replace. If you need to replace all four tires, you could pay between $525-$725 or more

Before filing an insurance claim for tire replacement, consider your deductible. Your car insurance deductible is the amount of money you must pay out of pocket before your insurance coverage kicks in. On average, deductible amounts are $250, $500, or $1,000. 

The higher your deductible, the lower your insurance rates. But if you carry a high deductible, your insurance policy may not cover the cost of your tires. For example, based on the average price above, most insurance policies won’t apply if the cost for tires is less than the deductible.

Furthermore, if you have new tires or customized wheels, it will cost more to replace them. A traditional full coverage policy may not cover these additional costs, so you may want to consider adding custom parts and equipment coverage (CPE). Some companies will extend coverage up to $5,000 or more with a CPE policy, but you’ll pay more for auto insurance.

To save money, shop around for the right tire replacement coverage with a deductible that fits your budget. Get car insurance quotes from at least three different companies to find the right coverage for you.

How Many Tires Insurance Covers: The Bottom Line

When it involves tire replacement, don’t worry about how many tires car insurance covers. All four of your tires are covered under a full coverage policy, so consider all of the costs before you decide to have insurance pay for tire replacement.

Tires cost an average of $167 to replace. Therefore, if you only need to replace one or two tires, filing a claim may not be worth it. Your auto insurance rates will increase, and insurance may not even apply if the cost doesn’t exceed your deductible. 

Most deductibles are between $250-$500, so one replacement tire would not be worth it. However, a claim for all four may benefit your budget, especially if you have customized wheels or rims. 

How much insurance covers depends on how your tire was damaged, the type of coverage you carry, and your deductible amount. If you’re concerned about how many tires your car insurance company covers, shop around to find the insurer with the most affordable full coverage rates to lock in the best policy in your neighborhood.