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Car insurance coverage from State Farm®

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 type of car insurance is right for you?

Each type of coverage comes with limits and, in some cases, deductibles. So, different types of coverage offer different levels of financial protection. A State Farm agent can help you evaluate the best protection for you and your family if you’re in a car accident, as well as for other passengers and your vehicle.

Types of car insurance coverage

Collision coverage

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

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.

Liability coverage

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

Car rental and travel expenses coverage

Rental car reimbursement pays 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.

Uninsured motor vehicle coverage

Uninsured motorist coverage helps pay for medical expenses if you're injured in an accident caused by someone who doesn't have liability insurance.

Underinsured motor vehicle coverage

If someone injures you in an accident, their liability insurance should pay your medical expenses. But what happens if the other person doesn't have enough liability insurance? Underinsured motorist insurance can help.

Medical payments coverage

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

Emergency road service coverage

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

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.

Simple Insights® by State Farm

Take advantage of what we've learned through the years in Simple Insights.

Car insurance deductibles and coverages explained

Car Insurance Deductibles and Coverages: Choosing Well

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

3 Reasons Why Auto Insurance Rates Are Going Up

Why Auto Insurance Rates Are Going Up

Newer motorcycles have the safety feature ABS

Motorcycle Insurance Ratings

Find out how your motorcycle rates in our annual motorcycle insurance ratings and how it will affect your premium.

Find out about coverage when someone else drives your car

Can Someone Else Drive My Car?

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

The Do's and Don'ts of Buying 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.

Like a good neighbor, State Farm is there.®

If you still have questions about auto insurance, speak with a State Farm agent. Our agents will work closely with you to understand your needs, and discuss coverage options that fit your life and budget. Or get an auto insurance quote online. It's fast and easy!

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Disclosures and Disclaimers

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