Driveway Pinpoint Test
With the engine warmed up and sitting at idle (in park, safely away from anything), pop the hood and look directly at the radiator. You should hear and see the electric fan spinning — it's usually a loud rushing noise. If the fan is NOT spinning when the temp gauge is high, that's your culprit. Confirm by turning the AC on: the condenser fan (beside the radiator) should spin immediately, and often the coolant fan kicks on too. A fan that spins freely by hand when the engine is off but won't run electrically points to a bad fan motor or relay.
Fix-vs-Skip Money Panel
DIY Cost
~$55
parts only
Shop Cost
~$350
parts + labor
If you skip it
A dead fan means every traffic jam is a potential overheating event. Continued overheating warps the cylinder head or blows the head gasket — a $1,500–$3,000 repair that can total an older car.