Skip to content
Types of Auto Insurance CoverageWork with your local Farmers agent to choose the coverage combinations that provide the best Auto insurance coverage at a price that fits your budget.


Types of common coverage:

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorist coverage
  • Personal Injury Protection
Learn more

Common Auto Insurance Coverage

Liability Coverage

There are two types of liability coverage - coverage for Bodily Injury and coverage for Personal Property. Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver's license.

Comprehensive Coverage

Comprehensive coverage pays for losses to the car resulting from fire, theft, falling objects, riots, storms, earthquakes, floods, and collision with a bird or animal. Comprehensive coverage is normally required if your vehicle is leased or financed.

Collision Coverage

Collision coverage pays for the damage to your vehicle resulting from accident with another vehicle or object.

Medical Payments

Medical coverage pays for medical expenses for you and your passengers as a result of a car accident.

Uninsured/Underinsured Motorist coverage

On average 25% of drivers have no insurance and another 30% do not have enough insurance. Uninsured/Underinsured Motorist coverage provides liability coverage if an uninsured/underinsured motorist is at fault.

Personal Injury Protection

Personal Injury Protection (PIP) is generally required in no-fault states. PIP covers a broader range of medical costs than standard Medical Payments coverage. It covers lost wages and the replacement of the services of someone injured in an automobile accident.

Contact a Farmers agent or get an Auto insurance quote online.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.