Does car insurance cover bullet holes? [Comprehensive Guide]

Comprehensive car insurance covers bullet holes but basic liability and collision coverage won't. The average comprehensive car insurance rates are $160/year or $13.33/month.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2020

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Here's what you need to know...

  • Bullet holes can occur anywhere and at any time
  • Does insurance cover bullet holes? You need comprehensive coverage to be protected
  • It’s important to file a police report before filing an insurance claim
  • The average comprehensive car insurance rates are $160/year or $13.33/month

If you have bullet holes in your car, you will want to schedule repairs as soon as possible. Depending on the severity of the bullet holes, you might have the following:

  • a damaged frame
  • broken windows
  • engine damage
  • other damage

The first question to ask is does car insurance cover bullet holes? The answer is maybe.

Car insurance covers bullet holes only if you have the correct coverage. Rather than dealing with all of the expenses on your own, you could potentially file a claim with your insurance company.

The best way to make sure you have the right coverage at the cheapest rate is to compare quotes from multiple companies. We make that easy for you.

Enter your ZIP code into our free rate comparison box above to find the basic and comprehensive coverage you desire at the best rate!

Exploring Car Insurance Coverage for Bullet Holes

There are all sorts of reasons as to why you might have bullet holes in your car. The important thing is to be able to identify how it happened or at least where you were when you noticed that there were bullet holes.

How the bullet holes happened isn’t a major component when determining if insurance will pay for the claim. However, insurance will look at the coverage you have.
If you want insurance to cover damage from bullet holes, you need to have the right coverage on your policy.

Does car insurance cover bullet holes if you only have minimum coverage?

The basic car insurance that the state requires you to have, such as those listed by, is not sufficient to cover this type of damage.

To understand why basic car insurance won’t cover bullet holes, you have to look at what the state requires. The state will only require you to have liability coverage for property damage and bodily injury.

These requirements are all directly related to car accidents. If you were to get involved in a car accident, The state-required insurance will take care of the damage you caused to another’s property and person.

Bullet holes aren’t part of a standard auto accident.

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Comprehensive Car Insurance

Comprehensive coverage is what is needed in order to be protected against bullet holes. This type of coverage is something that you can add to your policy.

Is comprehensive insurance full coverage? No, it is just one part of your coverage.

Adding the coverage isn’t going to be expensive, and when you get online quotes, you can see just how much it will impact your monthly rates.

But just what does comprehensive insurance cover? What is comprehensive insurance vs collision coverage? This video may help:

Comprehensive coverage is what will help to protect you against some surprising non-driving related incidents. It is essentially what will cover you for the things that you simply cannot anticipate, such as bullet holes in cars.

Rates are generally low for comprehensive coverage. This table shows you average annual rates by state. Use the search box to find your state.

Average Annual Comprehensive Car Insurance Coverage Insurance Rates by State
StatesAverage Annual
Comprehensive Coverage Rates
New Hampshire$114.86
New Jersey$131.04
Rhode Island$135.57
North Carolina$145.12
United States$153.32
New York$178.10
New Mexico$178.38
South Carolina$190.67
West Virginia$208.95
North Dakota$228.79
South Dakota$277.34
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Since the additional cost is minimal, it is a good idea to have this extra coverage just in case.

Some areas of the country have higher crime rates than others. If you are in an area where there have been multiple gang shootouts or a large number of riots, you might be more likely to experience bullet holes.

You may also pay a little bit more on your coverage because of being at higher risk of having your car shot at and more.

Insurance companies use your ZIP code to find the FBI’s listed crime rates in your area.

Does homeowners insurance cover bullet holes if you live in a high crime area?

Unfortunately, the answer is no home insurance cover bullet holes.  Any damage to a vehicle would be reported to the car insurance company.

Filing a Police Report

The moment you notice that you have bullet holes, you need to file a police report as a crime has been committed.

This report will help the police to know that there has been some kind of crime. You may have seen your car being shot at, which will allow you to give descriptions of those who were doing the shooting.

If you came out of a restaurant or store and noticed that your car has been shot up, you will still want to provide the police with as much information as possible.

The police report is an important component when filing a claim with the insurance company. Car insurance companies will check the police report as this will help to demonstrate that there has been a crime and that the bullet holes were as a result of a crime and not your own doing.

The insurance company will assign an adjuster to your case and then have you visit a collision center or body shop. Some insurance companies have their own places while others will require you to get quotes from multiple shops.

Once the total level of damage is assessed and there is a cost for repair, you will be able to pay the deductible and get the repairs done on your car.

Car insurance will take care of a lot of scenarios, including bullet holes. However, bullet holes are not covered with a basic insurance policy, so you need to have comprehensive coverage.

Check with your insurance agent, law enforcement, or a certified repair person if you have more questions, such as:

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