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What is collision coverage?

Collision coverage pays to fix or replace a car that's been damaged in a collision with another object, or if it rolls over.

 

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How collision coverage works

In a covered accident, collision coverage may extend beyond your own vehicle to include temporary substitute cars, newly-acquired cars, and cars you're using, but aren't owned by anyone in your household.

  • Limited to the actual cash value of the vehicle.
  • Requires a deductible, which is the amount you'll need to pay before receiving benefits.
  • Allows you to lower your premium with a higher deductible, which means more out of pocket if a loss occurs.1

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What collision coverage doesn’t cover

Damage from sources like these aren't covered by collision insurance.

  • Theft
  • Falling or flying objects
  • Flood
  • Hail
  • Fire
  • Hitting or being hit by an animal
  • Natural disasters
  • Storms
  • Vandalism

To insure against dangers like these, choose comprehensive coverage.

Why choose collision coverage?

Many people prefer to cover newer cars, but as cars get older, their values decrease, and you might consider omitting or dropping this coverage to save money on your auto insurance.

To determine if you should purchase collision coverage, estimate the approximate value of your vehicle through an online resource like Kelley Blue Book. A State Farm agent can help you determine the value of your vehicle along with how much extra you'd pay to add collision coverage.

 

Want more than collision coverage?

When it comes to car insurance, you've got plenty of policy options. State Farm can help you find the right coverage or how much auto insurance you might need. Coverage varies by state and your selection.

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1 Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs. Talk to your agent about how much you would be willing to pay on short notice in order to save on your premium.

Disclaimer

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third-party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third-party sites.

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