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Cars are the cheap part of auto insurance claims.

Exactly this; damaging a building or causing the death of a person can be 10x+ more costly for the insurer.

Only when you are looking at one claim. If all the cars in a city get hail damage the total costs exceed the typical daily claim losses.

I think the point is that it’s much less than all the cars.

And a hailstorm that knocks out 10,000 cars is very rare. But hurricanes or fires that knock out billions in homes happen almost every year.

This is true, we had a bad hail storm come through in 2010 that dimpled an appreciable fraction of the cars in the city like golf balls. Most were deemed repairable write-offs. Went right over a couple of luxury car yards. A bunch of people at my work moved our cars undercover 10 minutes before it hit, and felt kind of silly… for 10 minutes, until it hit.

Car insurance premiums jumped by quite a lot that day, as far as I can tell permanently.

This is why insurance companies pay cloud seeders to move thunderstorms and reduce the probability of massive hail claims.

Would auto insurers have enough insured cars within the area of a hailstorm to matter though?

Euro importers love hail damaged Copart cars, very cheap to fix here.