Car insurance coverage options
With simple definitions for complicated insurance terms, State Farm® is here to help. Whether you need liability, comprehensive, collision, or even uninsured motorist protection, we can help you choose the right type of car insurance coverage.
What types of auto insurance coverage are right for you?
Insurance coverages come with different limits and, in some cases, deductibles. These coverages also offer different levels of financial protection.
Collision coverage
Collision coverage helps pay to repair or replace your vehicle if it overturns or collides with another vehicle or object, such as a tree or guardrail. So, if you rear-end another car at a traffic light, it may cover the repair costs to your vehicle allowing you to get back on the road without the potential stress of unexpected bills.
Comprehensive coverage
Comprehensive coverage helps pay to repair or replace your vehicle if it's damaged by something other than a collision, including theft, fire, vandalism, or hitting an animal. So, if a tree branch smashes into your windshield during a storm, State Farm can help.
Liability coverage
Liability coverage pays another party's medical expenses, vehicle repairs, and property damage if you were responsible for the accident. It may help protect your finances from unexpected expenses.
Uninsured & underinsured 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. This coverage may also help pay for your property damage when another (at-fault) driver hits you and doesn’t have enough insurance, or doesn’t have insurance at all.
Medical payments coverage
Medical payments coverage helps pay medical and funeral expenses if an insured person, including a passenger, is injured or killed in an accident, or is injured in your vehicle and requires treatment after a collision.
Rideshare driver coverage
If you drive for rideshare companies like Uber or Lyft, we offer competitively-priced rideshare insurance for drivers and passengers for State Farm Auto insurance customers.
Emergency road service coverage
Emergency road service coverage can help you get moving again — fast — whether it’s a tow or a roadside repair like a flat tire.
Car rental reimbursement and travel expenses coverage
Rental car reimbursement coverage 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.
Frequently asked questions about auto coverage
While “full coverage” isn’t defined, it can mean having a package of coverage that provides you with the protection that meets your needs. It can mean you have both liability and physical damage coverage, like comprehensive and collision coverage. Keep in mind there are optional coverages like rental and emergency roadside service that you also may wish to consider.
The type of car insurance you choose will depend on your needs, vehicle type, and garaged address. Check your state guidelines or chat with a State Farm agent to learn more about state insurance requirements.
Collision and comprehensive coverage are both smart ways to help protect your vehicle. These car coverage types cover different types of losses. Talk to a State Farm agent to help you choose the policy that’s right for your needs and budget.
Your choice in coverage is just one factor that determines how much you’ll pay for car insurance. Let a State Farm agent help you calculate your cost.
Discover what happens if someone else drives your car and gets into an accident.
Our additional rideshare driver coverage simply extends the coverage that you already have on your personal State Farm auto policy. It also provides protection on top of the coverage that may be maintained on your behalf by the Transportation Network Company (TNC).
You’ll receive the protection offered from your personal auto policy, including the limits and deductibles. You’ll get the same protection levels extended while you are on the app.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
Simple Insights® on car insurance coverage
Looking for help protecting your vehicle? Simple Insights draw on over 100 years of State Farm knowledge around auto insurance coverage.
Understand what full coverage auto insurance means. Learn about liability, collision and comprehensive coverage and find the right car insurance coverage for you.
Learn what a car insurance deductible is and how it affects your car insurance coverage. Plus, tips on choosing a policy that works for you.
Understand the key differences between collision and comprehensive car insurance. Learn what each covers, when they’re needed and how they can work together to help protect your car.
Learn how car insurance is calculated, what factors affect your rates and what you can do to help lower costs.
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