
No, you should not put a car cover on a wet car. Trapping moisture underneath the cover is the primary issue. This creates a sealed, humid environment that can lead to paint micro-scratches during installation, moisture spots, and even mold or mildew on the interior if the moisture seeps in. The safest practice is to always apply a cover to a completely clean and dry vehicle.
The main risk is that the cover will lock in the moisture against your car's paint and body. As the sun heats the cover, this moisture evaporates but has nowhere to escape, effectively creating a mini-steam room. This can cause water spotting as minerals in the water are baked onto the clear coat. Over time, this can etch the finish.
Furthermore, if the car's surface has any dirt or grit, placing a cover over it grinds those particles into the paint as you move the cover. This results in fine swirls and scratches, known as micro-marring, which diminish the gloss and require polishing to fix.
For long-term storage, a wet car under a cover is a recipe for more serious problems like rust formation on brake rotors and corrosion on electrical components. Mold can also develop on the interior upholstery if the cabin air is humid.
| Car Cover Scenario | Risk Level | Potential Outcome |
|---|---|---|
| Cover on a Wet Car | High | Paint scratches, moisture spots, mold/mildew |
| Cover on a Damp Car | Medium-High | High likelihood of moisture-related damage |
| Cover on a Dry, Clean Car | Low | Optimal protection from sun, dust, and debris |
| Cover on a Dirty, Dry Car | Medium | High risk of paint scratches from trapped dirt |
If your car gets wet and you must cover it, the best course of action is to first dry it thoroughly with a soft, clean microfiber towel. If you're in a time crunch, at least park it in a shaded, breezy area to allow as much surface water to evaporate as possible before covering.

I learned this the hard way after a quick rain shower. I threw the cover on my classic Mustang while it was still damp, thinking it was better than nothing. A week later, I found these hazy, permanent water spots all over the hood. It looked awful. Now, I always make sure it's bone dry, even if I have to wait an extra hour. It's just not worth the risk to the paint.

Putting a cover on a wet vehicle defeats its purpose of protection. The fabric will trap humidity, creating an environment conducive to mold growth on interior surfaces and promoting corrosion on unpainted metal components like brakes. For genuine protection, the vehicle's surface must be completely dry. If necessary, use a leaf blower or a soft, absorbent chamois to accelerate the drying process before covering.

Think of it like putting a plastic bag over a wet head—it's not going to end well. That moisture needs to evaporate. A cover smothers the car, trapping every drop against the paint. You'll get swirl marks from the grit and ugly water stains that might not buff out. My rule is simple: if it's not dry, the cover stays off. I'll just park it in the garage uncovered instead.


