How much does body damage affect a car's value?

How much will body damage affect my car’s overall value? My car suffered some damage recently and I’m debating whether I should try to get it repaired or just cut my losses and buy a new vehicle.

Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Body damage can affect a car’s value differently depending on the extent of the damage. If your car body is only slightly damaged, it can take 10 to 15 percent off of the book value. If the damage is more extreme, it can take 75 to 85 percent off of the value.
To determine your car’s book value before the body was damaged, you can use the
Kelly Blue Book
or a similar tool.
Keep in mind that, if the damage is severe, your car will be considered totaled, even if it’s technically still fixable. If this is the case, consider selling your car to a junkyard for parts and purchasing a new vehicle. Totaled cars generally cost more to repair than they are worth, so you would be losing money by attempting to get the body repaired.
If your car body was damaged in a car accident or an act of God, you’ll probably be covered by your insurance policy. If you’re not happy with your current policy, check out
! This app makes it quick and easy to find the best rates available on the insurance coverage you want so you’ll know you’re protected in the future. Just download the app and answer a few questions to see a comprehensive cross-analysis of the best car insurance policies available.
View full answer 
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Join 4M+ members in lowering their car insurance

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free