We value your privacy. We may collect personal information from you for business, marketing, and commercial purposes. Read more

Do Not Sell or Share My Personal Information (CA residents only)

Start Of Main Content

What is collision coverage?

Collision coverage helps pay to fix or replace a car that's been damaged in a collision with another vehicle, object, or a rollover.

What does collision insurance cover?

Collision coverage may extend beyond your own vehicle, regardless of who causes the accident. It includes:

  • Temporary substitute cars
  • Newly-acquired cars
  • Cars you're using that aren't owned by anyone in your household or your employer

It provides coverage to your vehicle if it:

  • Collides with another car
  • Crashes into an object
  • Rolls over

Contact a State Farm® agent

What doesn’t collision insurance cover?

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

  • Injuries to other people or damage to others’ property
  • Weather conditions such as wind damage from hurricanes, flood, hail, and falling objects
  • Total or partial car theft and vandalism
  • Hitting or being hit by an animal
  • Fires and explosions
  • Violence from civil unrest or riots

To insure against dangers like these, choose comprehensive coverage.

Coverage in action

Let’s say you accidentally hit a lamp post or tree while driving at night. Collision would cover the repairs to your car.

Frequently asked questions about collision coverage









Get a local agent who gets you

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

Related insurance coverages

Simple Insights®

Looking for more on electric vehicles? You’ve come to the right place.Articles from Simple Insights draw on over 100 years of State Farm knowledge.

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