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Will a Hail Claim Raise My Car Insurance Rates?
Hail is usually a comprehensive claim, not an at-fault accident. Here's how insurers treat it, why storm areas can still see rate increases, and how to decide whether to file.
It's the first question most drivers ask after a hailstorm, and it's the reason some people never file. The short answer: a hail claim is usually a comprehensive claim, not an at-fault accident, and most insurers treat it very differently from a collision you caused. But "usually" isn't "always," so here's how it actually works.
Hail falls under comprehensive coverage
Hail, falling objects, flood and theft are covered by the comprehensive part of an auto policy. You weren't at fault, so a single comprehensive claim typically doesn't carry the kind of surcharge an at-fault collision does. You'll still pay your comprehensive deductible.
Why rates can still go up after a storm
When a major hail event hits a city, insurers pay thousands of claims at once. Over time, that can push rates up for everyone in the area, whether they filed or not. Skipping your claim doesn't protect you from a storm-driven rate increase. It just leaves you paying for the damage yourself.
Some carriers also weigh several comprehensive claims in a short window differently. Rules vary by insurer and by state, so call your agent if you're unsure.
Check your deductible before you decide
Higher deductibles have become common. In J.D. Power's 2025 auto claims study, 26% of policyholders carried a deductible of $1,000 or more, and 7% said they avoided filing a claim because they worried about their rates (Autobody News). Hail damage on a single vehicle often runs well past a typical deductible, especially on roofs, hoods and aluminum panels.
What we recommend
- Get a free hail inspection first, so you know the real size of the damage.
- Compare the estimate to your comprehensive deductible.
- Ask your agent how your carrier treats comprehensive claims in your state.
- If you file, you choose who repairs your car. Your insurer can recommend a shop, but the choice is yours.
Our team handles the claim paperwork, works with your adjuster and documents every dent so nothing gets missed. Schedule a free inspection and we'll walk you through your options.
This article is general information, not insurance or legal advice. Coverage and rating rules vary by policy, carrier and state.