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Car insurance coverage options

Confused by collision coverage? Want to learn about liability? Unsure about uninsured motorist insurance?

State Farm is here to help, with simple definitions for complicated insurance terms to determine the right type of car insurance coverage for you.

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What types of auto insurance coverage is right for you?

Insurance coverages come with different limits and, in some cases, deductibles. These coverages also offer different levels of financial protection. A State Farm agent can help you chose auto insurance with the best protection for you and your family.

Collision coverage

Collision coverage helps pay to repair or replace your vehicle if it collides with another vehicle or object.

Collision coverage

Comprehensive coverage

Comprehensive insurance helps pay to repair or replace your vehicle if it's damaged by something besides a collision, including theft, fire, vandalism, or hitting an animal.

Comprehensive coverage

Liability coverage

Liability coverage pays another party's medical expenses, vehicle repairs, and property damage if you were responsible for the accident.

Liability coverage

Car rental and travel expenses coverage

Rental car reimbursement helps pay the cost of renting a replacement vehicle while your car is in the shop. Travel expense coverage helps pays for meals, lodging, and transportation if you're in an accident more than 50 miles from home.

Car rental and travel expenses coverage

Uninsured motor vehicle coverage

If you're injured in an accident caused by someone who doesn't have enough liability insurance or any at all, uninsured & underinsured motorist coverage helps pay for medical expenses, pain and suffering, and lost wages from the owner or driver of an uninsured or underinsured motor vehicle.

Uninsured & underinsured motor vehicle coverage

Medical payments coverage

Medical payments coverage helps pay medical and funeral expenses if an insured person is injured or killed in an accident.

Medical payments coverage

Emergency road service coverage

Breaking down is never fun. Emergency road service can help you get moving again -- fast.

Emergency road service coverage

Rideshare driver coverage

If you drive for rideshare companies like Uber or Lyft, we offer competitively-priced rideshare driver coverage for State Farm Auto insurance customers.

Rideshare driver coverage

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Talk to a State Farm Agent

Got more questions about vehicle insurance?

Get answers about auto insurance

Browse numerous articles from Simple Insights on tips from what we’ve learned in the nearly 100 years we’ve been insuring drivers like yourself.

Can someone else drive my car?

Discover what happens if someone else drives your car and gets into an accident.

Do’s and don’ts of selling a car privately

How to help protect yourself and smooth the way to buying a vehicle from a private seller.

5 ways to boost security for cars

Follow these tips to help deter thieves and keep your vehicle safe.

What factors influence car insurance rates?

Coverage options, deductibles, and discounts may affect your policy cost, along with such things as your driving history, credit score (where permitted by law), and other third-party reports.

Choosing coverages and deductibles

High versus low deductibles and a breakdown of the types of auto insurance coverage.

Looking for local car insurance?

Zero in not only on your state, but also your local community for a good neighbor agent who will help show you coverage and savings that may fit your needs and your budget.

Disclaimer

Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, contact your State Farm agent.

State Farm Mutual Automobile Insurance Company State Farm Indemnity Company Bloomington, IL

State Farm County Mutual Insurance Company of Texas Richardson, TX