Does your insurance go up if you hit a pothole?


Editorial team Published on

Yes, your car insurance rates can go up if you file a claim for hitting a pothole.

📊 How Pothole Claims Work

  • At-fault classification: Insurers treat hitting a pothole as a single-vehicle collision.
  • At-fault accident: You are usually deemed responsible for the impact.
  • Rate increase: Surcharges or higher premiums often apply at renewal.
  • Collision coverage: Repairs are only paid if you carry this optional add-on.
  • Deductible application: Costs must exceed your deductible before coverage kicks in.

💡 When to File vs. Pay Out of Pocket

  • Minor repair costs: Expenses often fall below standard $500 or $1,000 deductibles.
  • Out-of-pocket savings: Paying cash prevents a recorded claim on your history.
  • Severe structural damage: Major suspension or rim damage makes a claim more sensible.

🔎 Alternative Options

  • Municipal claims: Local city or county agencies sometimes reimburse pothole damage.
  • Proof requirements: Success requires photos, precise locations, and proof the city ignored warnings.