Hail Damage & Car Insurance: What's Covered?

Texas leads the nation in hail damage insurance claims, and the Dallas-Fort Worth metro is one of the most affected areas. The 2024 hail season alone caused over $3 billion in insured auto and property losses statewide. DFW's position in "Hail Alley" means severe thunderstorms producing golf ball-sized hail or larger hit the region multiple times each spring and summer.

A single hailstorm can damage thousands of vehicles. Repair costs for moderate hail damage typically range from $2,500 to $7,500, and severe damage can total a vehicle entirely. Without comprehensive coverage, you pay 100% of those costs out of pocket.

Comprehensive coverage (sometimes called "other than collision") pays for damage to your vehicle from events outside your control: hail, flooding, theft, vandalism, fallen trees, animal collisions, and more. When hail hits, comprehensive coverage pays for repairs minus your deductible.

For Texas drivers, especially in DFW, the math strongly favors comprehensive coverage. At $15-$40 per month ($180-$480/year), you're protecting against potential repair bills of $2,500-$7,500+. Given that DFW averages multiple severe hailstorms per year, comprehensive coverage often pays for itself within a single storm season.

A-LA compares comprehensive coverage options from 35+ carriers to find the most affordable option. Visit any of our 13 DFW offices to add comprehensive before storm season hits.