What is collision coverage?

Collision coverage helps pay to fix or replace a vehicle that's been damaged in a collision with another car, object, or a rollover. When you’re riding with State Farm®, know we’ll help you when the road brings the unexpected.

What does collision insurance cover?

Collision coverage with your State Farm Auto Insurance helps you when your vehicle is involved in a crash, regardless of who causes the accident. Coverage may extend beyond your own vehicle and includes:

  • Temporary substitute cars, like driving a rental when your car is in the shop
  • Newly-acquired cars, like after buying a new or used vehicle
  • Cars you're using, like driving someone else’s car  

It provides coverage to your vehicle if it:

  • Collides with another car
  • Crashes into an object like a fence or guardrail
  • Rolls over

Contact a State Farm agent

What collision insurance doesn't cover

Damage from sources like those listed below aren't covered by collision insurance:

  • Injuries to other people or damage to others’ property. If you rear-end another car, the injuries or damages to others would be covered by your liability insurance.
  • Weather conditions such as wind damage from hurricanes, flood, hail, and falling objects. If hail shatters your windshield, it would be covered by comprehensive insurance, not collision.
  • Total or partial car theft and vandalism. These would fall under comprehensive coverage.
  • Hitting or being hit by an animal. Running into a deer would fall under comprehensive coverage.
  • Fires and explosions. Again, this would fall under comprehensive coverage.
  • Violence from civil unrest or riots. If your car is damaged during a protest, it would fall under comprehensive coverage.

To insure against dangers like these, choose comprehensive coverage from State Farm.

Why choose State Farm for collision coverage?

We do this every day

On average, we handle 28,000+ claims daily.

We’re here 24/7/365

The State Farm app is rated 4.8/5 with 1M+ reviews in the App Store.

Insuring cars since 1922

We’re bringing over 100 years of experience to help you recover from the unexpected.

Local insurance agents

Across the nation, State Farm has over 19,000 auto insurance agents dedicated to providing you with personalized service. Reach out to one near you.

State Farm in action

Did you know State Farm was instrumental in passing multiple seat belt laws and continues to be an advocate for seatbelts and teen safety?footnote 1

Collision insurance vs. comprehensive insurance

What’s the difference between the two coverages?

Collision
Comprehensive

Collision or vehicle rollover

Stolen

Damage caused by fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal

Requires a deductible
Collision
Comprehensive

Collision or vehicle rollover

Stolen

Damage caused by fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal

Requires a deductible
Collision
Comprehensive

Collision or vehicle rollover

Stolen

Damage caused by fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal

Requires a deductible

Frequently asked questions about collision coverage

While “full coverage” isn’t a defined offering across providers, many use the term as a package of coverages that provides protection for losses involving the ownership or use of vehicles. It may include liability, medical payments, and physical damage coverage, such as comprehensive and collision coverage. Keep in mind there are optional coverages like rental and emergency roadside service that you also may wish to consider.

No, collision coverage only covers your vehicle if you cause damage to another driver’s car. Damage to another vehicle typically would be covered by liability insurance, not collision coverage.

Consider how much of a loss you are willing to pay, such as the amount of deductible, in exchange for reduced premiums. Has your car decreased enough in value to consider omitting or dropping collision coverage?

To file a claim, contact your State Farm agent as soon as possible after the incident. The agent can help guide you through the claims process, including assessing the damage and coordinating repairs. You can also file online.

It’s a good idea to have collision coverage, but it is not required by law in any state. It may be required by your lender if you are leasing or still owe car payments.

It depends on your car’s value. 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. 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.

Collision coverage generally does cost more than comprehensive coverage. But you can lower your premium with a higher deductible if you can cover higher out-of-pocket expenses. 

As with many coverages, you may choose from a range of deductibles. This is the amount you agree to pay before your policy pays coverage benefits. Your collision deductible will depend on your financial situation and driving habits and how much you are willing to pay out of pocket.

Get a local agent who gets you

There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.

Or call 844-242-1899 for a quote.

Related insurance coverages

Simple Insights® on collision coverage

Looking for help protecting your vehicle? Simple Insights draw on over 100 years of State Farm knowledge around auto insurance.

A man and woman standing next to their damaged cars after an accident.

What is collision coverage and what does it cover?

Discover what collision coverage insurance is, what it does and doesn't cover (like theft or weather damage) and why you need this coverage in place before an accident to help pay for repairs afterward.

Drivers are filling out an accident report.

Collision vs. Comprehensive: What’s the difference?

Help 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.

A man and woman calling their agents to see if they have collision insurance after a car accident.

Protecting your car: Do I need collision insurance?

Learn what auto collision insurance is, what it helps pay for after a car crash, how deductibles work and if you need this coverage.

People looking at scratches on a car after a car accident.

What to do after a car accident: A step-by-step guide

In a car crash? Stay calm and follow these simple steps: Check for injuries, call the police, exchange info, document the scene and report to your insurer.

return to reference 1 For more information visit the State Farm auto safety page.

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