Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Aug 6, 2021

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The Truth in a Nutshell

  • Comprehensive coverage covers damage from lightning strikes
  • On average, comprehensive car insurance is about $13/mo
  • Tires do not prevent lightning from hitting a vehicle

Lightning strikes can be absolutely terrifying, and they’re known to cause bodily harm and even damage to your vehicle. But does auto insurance cover lightning strikes?

Don’t worry – our article explains how car insurance covers lightning damage. You’ll learn which car insurance options can cover lightning damage and how you can lower car insurance rates.

But why is car insurance so expensive? Learn this and more as you read through this short guide.

After you’ve learned everything about how car insurance pays for lightning strikes, enter your ZIP code in the free online quote tool above to compare multiple companies near you.

Will car insurance pay for lightning strikes?

The short answer is yes. However, you’ll need comprehensive auto insurance to cover the cost of lightning damage.

What is comprehensive car insurance? Comprehensive car insurance covers damage to a vehicle that’s caused by unforeseen incidents, such as a falling object, natural disaster, or vehicle theft.

Liability insurance and collision insurance won’t cover lightning damage. That’s because liability coverage pays for another driver’s bodily injury and property damage when you’re at fault in an accident.

When you’re not at fault, the at-fault party’s liability insurance pays for your bodily injury and property damage.

Collision coverage pays for damage to your vehicle regardless of fault. But, collision doesn’t cover unforeseen natural occurrences like lightning strikes.

Does car insurance cover lightning damage?

According to the National Weather Service, lightning can strike the antenna, the car’s roof, or other areas on your vehicle. The lightning passes through the vehicle, moves through the tires, and finally touches the ground.

Lightning strike damage usually affects the antenna, the windshield, the electrical system, and even the tires.

The National Weather Service also says that rubber tires do not prevent lightning from striking your car.

Does car insurance cover lightning strikes? Yes, it does. Use the comprehensive coverage option and file a claim. Let your auto insurance company know that your car was struck by lightning.

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How much is comprehensive car insurance?

The average cost of comprehensive auto insurance is $13 a month. However, your comprehensive insurance varies.

Here is a list of factors that affect your comprehensive coverage rates.

  • Location
  • Vehicle
  • Deductible
  • Company

For example, comprehensive insurance is about $22 per month for a Honda Civic. Expect car insurance companies to drive up your rates if you’re younger or if you live in an area known for high rates of vehicle theft.

The best way to get a deal on auto insurance is to shop around for the cheapest quotes. Several factors determine whether affordable car insurance is available to you.

Compare multiple companies until you find an auto insurance policy that works for you.

How soon can I file a car insurance claim for lightning strikes?

You can file a comprehensive claim for lightning damage right away. We recommend that you file insurance claims as soon as possible.

Contact your car insurance company and let them know your vehicle was struck by lightning.

Comprehensive coverage comes with a deductible. Therefore, you’ll need to pay your deductible first before the auto insurance company issues a check for repairs.

Since the event is fresh in your mind, use this opportunity to report damage to your insurance company. If you wait too long, you may miss details that are important.

Also, you want to ensure that vehicle damage is fixed right away. Ignoring damage to your vehicle can affect your car’s long-term performance.

What should I do when driving through a lightning storm?

If you happen to get caught in a storm, there are a few things you can do during heavy rain, lightning, and thunder.

Read through these tips to learn how you can stay safe if you’re driving during a storm.

  • Pull off at the next exit and find shelter
  • If you can’t get to an exit, pull over, turn off the engine, and turn on your hazard lights until the storm passes
  • Do not touch any metal or electrical devices inside the car
  • Motorcyclists and cyclists should not take cover under trees because it increases the chances of being struck by lightning

Ultimately, you want to make plans for the unexpected. If you commute by motorcycle or bicycle, you should check the weather before you go anywhere.

Does insurance cover lightning strikes while on a motorcycle? The answer is yes.

It’s also recommended that you carry personal injury protection (PIP) and medical payments (MedPay). Bicycles and motorcycles don’t have the metal enclosures of cars, so cyclists will be exposed to the elements.

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Car Insurance Coverage for Lightning Strikes: The Bottom Line

Comprehensive insurance pays for damage from lightning strikes. To get coverage, you’ll need to buy comprehensive coverage before an unforeseen incident occurs. It’s in your best interest to be prepared.

Now that you know how car insurance covers damage from lightning strikes, use our free comparison tool to compare multiple companies in your area.