Does car insurance cover a hydrolocked engine?

Adding a comprehensive policy can add an extra $12 to your monthly car insurance rates, but the insurance will cover your hydrolocked engine.

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UPDATED: May 18, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 18, 2022Fact Checked

Will My Car Insurance Cover A Hydrolocked Engine?

Here's what you need to know...

  • An engine can become hydrolocked due to water in the combustion engine causing engine damage
  • Basic car insurance does not cover engine hydro lock unless it happens during an accident
  • Comprehensive insurance covers a hydrolocked engine in certain situations
  • There might be fine print in your policy to be aware of regarding a hydrolocked engine

Driving during heavy precipitation or wet conditions with excess water on the roads can lead to a hydrolocked engine. Hydrolocking could render the engine completely useless. If you can file an insurance claim, it will help you to get the repairs without having to pay out-of-pocket.

Not every car insurance company covers flood damage. Keep reading to find out in what instances does car insurance cover hydrolocking and what coverage is required.

Get multiple quotes to find the best basic and comprehensive coverages at the cheapest price so that you are covered if you hydro lock your engine.

Compare car insurance quotes by entering your zip code above now.

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What is hydro lock car insurance?

Hydro lock engine damage repair costs are expensive so you definitely want to have the proper car insurance in place.

If the hydrolocked engine occurred because of water, such as driving through a puddle on the road, then you need more than what basic insurance would allow.

Comprehensive car insurance covers some damages to cars not caused by accidents.

There are a lot of types of coverage to choose from. It is important to take the time to check the policy and get the correct coverage for your situation.

Does comprehensive car insurance cover hydrolock?

Comprehensive car insurance coverage is what you need to have on your auto insurance policy if you want the protection for a hydrostatic locked engine. You would be protected against weather-related damage with large amounts of water including:

  • floods
  • rain
  • deep puddles

This table gives you the average annual rate for comprehensive coverage by state. You can see that the cost is minimal for the amount of coverage that you receive.

Annual Average Comprehensive Car Insurance Rates by State
StateAnnual Average Comprehensive Car Insurance Rates
District of Columbia$230.25
New Hampshire$103.03
New Jersey$123.18
New Mexico$166.89
New York$156.66
North Carolina$123.00
North Dakota$227.64
Rhode Island$122.17
South Carolina$165.38
South Dakota$228.59
West Virginia$195.04
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Keep in mind that there are many factors that can affect your car insurance rate, such as age, driving history, and coverage type.

Getting the coverage is easy. When you get quotes, you can add comprehensive coverage to your policy. You can also get quotes from multiple companies to compare and get an affordable policy.

Does car insurance cover water damage to engines?

Your basic policy is what the state requires for car insurance and only covers what happens in a car crash with another vehicle. The state mandates bodily injury and property damage liability only. You choose to add additional coverages.

Your engine doesn’t hydrolock because of being involved in a car crash (unless your crash sends your car crashing into a lake, river, or another body of water). Since this is unlikely, you need to look at having other coverage.

There is no guarantee that your insurance won’t total your flooded car. It will depend on how severe the damage is.

But does your insurance go up if your car is flooded? Again, that will depend on your insurance company. Some companies will raise rates on the first claim filed, and some companies allow one claim before raising rates.

Call your agent and ask how to find out if your insurance covers hydrolock. If it doesn’t, you might want to consider adding more coverage.

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How do I file a hydrolocked engine car insurance claim?

When you experience a hydrolocked engine, you can call your insurance company to file a claim. You will need to have comprehensive coverage in order for a claim to even be considered.

An adjuster will be assigned to your case and an investigation will be done.

What does a car insurance company look at when filing a hydrolocked engine insurance claim?

If there is water in your engine and can be tied back to a specific event where there was flooding, puddles on the highway, or something else, insurance will likely accept the claim. You can then pay the car insurance deductible and get your car scheduled at the mechanic for the needed repairs.

If there is engine coolant or another liquid inside the engine, the damage is likely the result of some other issue that is not likely to be covered by auto insurance, which means the auto insurance claim would be denied and you would be responsible for the repairs.

Insurance will look at when you added comprehensive coverage. If you added comprehensive coverage to an existing policy and then immediately filed a claim for a hydrolocked engine, it could throw up a red flag for being insurance fraud, according to the Insurance Information Institute.

You have to hold the coverage on your policy prior to filing a claim with the insurance.

If you want insurance to cover repairs to a hydrolocked engine, it has to be a result of water in the engine. Additionally, you need to have comprehensive coverage. Be sure to build your policy properly with plenty of coverage so you have more protection in place.

You have many different options for basic and comprehensive coverage. The best way to get the best coverage at the cheapest rate is to compare many different quotes.

What is Hydrolock?

So exactly what is hydrolock and how does it happen?

Autoevolution explains that hydrolock is an abbreviation for a hydrostatic lock. It is what occurs when water gets into the engine. It affects the overall internal combustion, causing the engine to seize. The engine can’t run because the fluid enters the combustion chamber and the cycle can’t be completed.

What happens to your engine and can a hydrolocked engine be saved? Keep reading for these answers and more.

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What happens when you hydrolock an engine?

Liquids can’t be compressed, so the pistons come to a stop inside the engine cylinder. The repair will depend heavily on how much water is in the engine, the condition of the engine, as well as whether the water has reached multiple cylinders.

In some instances, no damage occurs. In other instances, you would need to replace the engine.

There are hydrolocked engine symptoms to look out for. An example is the hydrolocked engine sound, a loud knocking noise. It will be a clue that damage is occurring. Also, a car engine flooded with water won’t start again.

Can you fix a hydrolocked engine? Yes, depending on how much damage was caused. A certified mechanic can advise you on how to fix a hydrolocked engine and if it can even be repaired at all.

Just how much water does it take to hydro lock an engine? Any amount of water in the engine can lead to a hydrostatic lock. Some of the ways water can get into the engine include:

  • Driving through water
  • Floods
  • Driving at the beach

Now, it’s also important to note that driving in wet conditions is not the only way to get a hydrolocked engine. It’s also possible for a blown head gasket to allow engine coolant to get inside. A carburetor or injector that malfunctions could be the cause of an oil hydrolocked engine.

The only way insurance will cover the cost of the repairs is if it’s water-related and if you have the necessary coverage.

Use our free rate comparison tool to find the best deal for the insurance you need to cover hydrolock and anything else that comes along.

Frequently Asked Questions

We’ve gathered some of the more commonly asked questions here for you.

Does hydro lock happen immediately?

Yes, once you get water in your engine you will start to hear a sputter. The engine will turn off and will not restart.

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Are transmissions covered under insurance?

Transmissions are generally not covered under insurance. The exceptions would be if the damage occurred in an accident or if you have mechanical breakdown coverage.

Can I file a car insurance claim for a blown engine?

Again, this will only be covered if your engine was blown from severe damage during an accident. Otherwise, you might be covered under comprehensive or mechanical breakdown coverages, depending on the situation.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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

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