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Will Auto Insurance Pay to Jumpstart Your Car?

Last Updated on December 11, 2025

You count on car insurance to help after a crash, hailstorm, or major damage. But what about everyday hiccups like a dead battery—will auto insurance pay to jumpstart your car, or are you on your own?

In most cases, a standard car insurance policy will not pay to jumpstart your vehicle. A dead battery is considered normal wear and tear, not an accident or covered loss. However, if you have roadside assistance—either through your insurer or a third-party service—your jumpstart will usually be covered.

Key Takeaways

Standard auto insurance policies do not pay to jumpstart a dead battery, even if you have “full coverage,” because battery failure is considered normal wear and tear.
Battery jumpstarts are usually covered only if you have roadside assistance—either through your insurer or a third-party service like AAA or Urgent.ly.
Without roadside assistance, you’ll generally need to pay out of pocket or use alternatives like jumper cables, a portable jump pack, a tow service, or help from friends.
Good battery maintenance—cleaning corrosion, replacing old batteries, avoiding short trips, and checking lights—can greatly reduce the chance of needing a jumpstart in the first place.

Table Of Contents

Standard Insurance Policies Do Not Cover Dead Batteries
How Roadside Assistance Covers a Battery Jumpstart
Other Options for a Battery Jumpstart
Battery Maintenance Tips to Avoid Needing a Jumpstart
FAQs on Jumpstarts and Auto Insurance
Final Word: Will Auto Insurance Pay to Jumpstart Your Car?

Standard Insurance Policies Do Not Cover Dead Batteries

If you need a jumpstart, your battery has already failed. Maybe you left your lights on overnight, or maybe your battery is old and due for replacement. From the insurer’s perspective, both situations fall under routine vehicle upkeep.

Standard auto policies are designed to cover sudden, accidental losses—not predictable, maintenance-related issues. That’s why they typically won’t pay for:

Flat tires or worn-out tread
Dead or weak batteries
Brake wear, oil changes, or other issues related to normal wear and tear

Even “full coverage” car insurance doesn’t change this. Collision and comprehensive are meant for accidents, theft, vandalism, and weather damage—not dead batteries. You generally can’t file a claim under those coverages just because your car won’t start.

The main exception is when you’ve added roadside assistance. That coverage, whether bought through your insurer or a third-party like AAA or Urgent.ly, typically includes battery jumpstarts.

How Roadside Assistance Covers a Battery Jumpstart

Roadside assistance is an optional car insurance add-on (or membership) that helps when your car is disabled but not damaged by a covered accident. A dead battery fits squarely into that category.

If your battery dies and you have roadside assistance, the basic process usually looks like this:

You call your insurer’s roadside number or your third-party provider.
They dispatch a roadside technician to your location.
The technician attempts a jumpstart and may test your battery.
If the battery won’t hold a charge, they may tow you to a shop (subject to your towing limits).

Typical roadside assistance plans:

Cover service calls up to a certain dollar limit (often around $100 per call)
Include a set number of service calls per year (for example, 3–5 calls)
Limit towing to a specific distance (such as 50 miles of towing or to the nearest repair shop)

Costs vary, but many basic roadside assistance plans start around the price of a couple of service calls per year—far less than paying full price every time you need a jump.

Other Options for a Battery Jumpstart

If you don’t have roadside assistance, you still have several ways to get your car running again. A typical professional jumpstart from a local service or tow company can cost $60 to $125 or more, depending on time of day and how far they have to drive. But you may not need to spend that much.

Low-Cost or DIY Jumpstart Options

Jumper Cables: Classic jumper or booster cables are the simplest solution. If you have cables and access to another vehicle (or a willing neighbor), you can restart a dead battery at no cost. Just make sure both drivers know how to connect the cables safely.

Portable Jumpstart Kit: You can buy portable battery jumpstarters for under $150. These devices hold a charge and can live in your trunk or glove box. When your battery dies, you simply clip on the leads and start the car—no second vehicle required. For people who drive in remote areas or cold climates, a portable jumpstarter can easily pay for itself with one or two uses.

Request a Rideshare: If you have jumper cables but nobody nearby, some drivers call a rideshare like Uber or Lyft and politely ask the driver to help with a quick boost. You pay the ride fare and tip the driver, and in many cases it can be faster and cheaper than waiting for traditional roadside assistance. (Just keep in mind drivers aren’t required to help, and safety comes first.) You can learn more about rideshare and insurance in our guide to Uber and Lyft coverage.

Call a Local Towing Company: Even without a roadside plan, you can call a tow company directly and request a jumpstart. They may charge a flat fee or per-mile rate, but you’ll know the cost up front.

Call a Friend or Family Member: If your car dies close to home, a friend with jumper cables (or a portable jump pack) may be the quickest solution.

Battery Maintenance Tips to Avoid Needing a Jumpstart

Insurance companies consider dead batteries part of normal vehicle maintenance, which is why they don’t treat jumpstarts as a covered claim. The good news is that with a little upkeep, you can dramatically reduce your chances of getting stranded with a dead battery.

Car Battery Maintenance Tips

Clean Corrosion: Over time, the top of your battery can become corroded, which interferes with the connection. Clean corrosion from around the battery cables using a mix of baking soda and water and a non-metallic brush, then rinse with clean water. Excessive corrosion can keep your car from starting even if the battery itself is still good.

Replace Old Batteries: Car batteries don’t last forever. If your vehicle struggles to start, or you’ve had multiple dead-battery events, it may be time to buy a new battery. Many batteries are rated for around 3–5 years, though climate and driving habits matter.

Watch for Warning Signs: Dim headlights at idle that brighten when you rev the engine, slow cranking when starting, or frequent jumpstarts are all signs your battery or charging system may be failing.

Avoid Too Many Short Trips: Lots of short trips without longer drives in between can keep your alternator from fully recharging the battery. An occasional longer drive can help keep your battery healthy.

Double-Check Lights and Accessories: Make it a habit to check interior lights, trunk lights, and accessories before locking up. Kids, pets, or cargo can easily bump a switch and leave a light on overnight.

A little prevention goes a long way. By maintaining your battery and charging system, you’ll be less likely to need a jumpstart in the first place.

FAQs on Jumpstarts and Auto Insurance

Does full coverage car insurance pay to jumpstart my car?

No. Even if you have full coverage with liability, collision, and comprehensive, your policy won’t pay to jumpstart a dead battery. Those coverages apply to accidents, theft, vandalism, weather damage, and similar losses—not normal wear and tear. A jumpstart is typically only covered if you have roadside assistance on your policy or through a separate membership.

If I use roadside assistance for a jumpstart, will my insurance rates go up?

In most cases, using roadside assistance for a jumpstart doesn’t affect your premiums the way an at-fault accident might. Many insurers treat roadside calls differently from collision or comprehensive claims. That said, excessive use of roadside assistance could lead to limits or non-renewal on that add-on, so it’s still wise to use it only when you really need it.

Does my policy pay to replace a dead battery?

No. Auto insurance almost never pays to replace a worn-out battery, because batteries are considered maintenance items that naturally wear out over time. Some roadside plans may help you get a replacement delivered and installed, but you’ll still pay for the battery itself and any applicable service fees.

Can I get reimbursed if I pay a tow company to jumpstart my car?

You might, but only if you have roadside assistance or towing-and-labor coverage that allows reimbursement. In that case, you’d submit your receipt to the insurer or roadside provider for repayment up to your coverage limits. If you don’t carry that coverage, you’ll usually be responsible for the full cost of the jumpstart.

Is buying roadside assistance worth it just for jumpstarts?

It can be. If your battery is older, you drive in extreme temperatures, or you rely on your vehicle daily, a low-cost roadside plan can easily pay for itself with a single use. Because roadside assistance also covers towing, lockouts, and fuel delivery, many drivers find it worthwhile even if they only need it once or twice a year.

What’s the best way to avoid needing a jumpstart in the first place?

The best strategy is prevention: replace your battery before it fails, clean corrosion from the terminals, avoid leaving lights or accessories on, and have your charging system checked during routine service. Keeping a set of jumper cables or a portable jump pack in your car is also smart backup protection in case your battery dies unexpectedly.

Final Word: Will Auto Insurance Pay to Jumpstart Your Car?

Standard auto insurance does not pay to jumpstart your car or replace a dead battery—those are considered normal upkeep, similar to tires and oil changes. The main exception is if you have roadside assistance, either as an add-on to your policy or through a third-party provider.

Roadside assistance can cover battery jumpstarts, towing, fuel delivery, lockouts, and more. If you don’t have roadside assistance, you’ll generally need to pay out of pocket or rely on jumper cables, a portable jump pack, a tow service, or help from friends or neighbors.

Because dead batteries are an expected part of car ownership—and usually preventable with good maintenance—insurers don’t treat jumpstarts as claims. If you want help when your battery dies, adding an affordable roadside plan and caring for your battery are the best ways to avoid surprise costs (and being stuck in a parking lot with a car that won’t start).