Types of Car Coverage

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It can be difficult to shop for insurance if you’re not sure what the different types of auto insurance are. Are you covered adequately? What does liability coverage cover? Just how comprehensive is comprehensive coverage?

We are here to help demystify the often confusing world of car and auto insurance and help you have all the resources you may need.

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Are you looking for something a little more specific? 

Our Auto FAQ page could help answer your question! You can also get in touch with a friendly Farmers agent to assist you with whatever questions you may have.

What are the different types of car insurance?

You might be looking to build your own personalized auto coverage plan, or maybe you would like to have a little more knowledge about a necessary part of car ownership. Regardless of the circumstances, we want you to be as educated as you can be. Below is a quick overview of various car insurance coverage types:


  • Covers the cost of injury to others and damage to their property when you’re at fault
  • Required by law in nearly all states


  • Pays to repair or replace your own vehicle when you’re at fault
  • Covers collisions with other vehicles and objects


  • Covers damage to your car caused by things besides a collision
  • Includes hail, wind, theft, fire, vandalism, animal damage and more    

Uninsured / Underinsured Motorist

  • Covers your losses caused by an uninsured or underinsured driver 
  • Helps pay for damage to your car and bodily injury to you and your passengers 

Medical Payments

  • Helps with the cost of medical care for you and your passengers resulting from injuries in an accident
  • Provides this coverage no matter who’s at fault

Personal Injury Protection (PIP)

  • Helps cover the cost of your rehabilitation and lost wages resulting from an accident
    Covers you no matter who’s at fault

Towing and roadside service

  • Provides 24/7 roadside assistance if your car is disabled
  • Helps pay for towing, tire changing, locksmith service and jumpstarts 

Rental Car Reimbursement

  • Covers the cost of a renting a car for up to 30 days while yours is repaired
  • Arrangements and billing can be handled by Farmers  


  • Helps protect drivers for rideshare companies like Uber and Lyft
  • Provides coverage during periods not covered by company or personal insurance

Loss of Use

  • Provides a flat sum for transportation while your car is repaired
  • Can be used for public transit, rentals, taxis and rideshare services   

Customized Equipment

  • Covers the cost to repair or replace aftermarket equipment like infotainment systems and custom wheels
  • Available on any vehicle with collision and comprehensive coverage

Personal Umbrella

  • Provides additional liability coverage — above the limits on your auto policy
  • Helps protect your assets from lawsuits

Glass Deductible Buyback

  • Covers windshield and glass repair and replacement
  • Low $100 deductible (the portion you pay yourself)

Full Windshield and Glass Coverage

  • Offers $0 deductible on glass repair and replacement
  • Pay nothing out of pocket

Spare Parts Coverage

  • Covers the cost to replace spare parts you keep on hand, up to $750
  • Popular choice for owners of classic and collector cars

Original Equipment Manufacturer (OEM)

  • Covers the cost of using factory-original parts in covered repairs
  • Available on cars up to 10 years old

New Car Replacement Coverage

  • Covers the cost to replace your car with a new one of the same make and model
  • Available when your car is totaled within the first two model years and 24,000 miles

Accident Forgiveness

  • Farmers will forgive one at-fault accident for every three years you drive without one
  • Keeps your premium from going up because of just one accident

You might also hear the term Gap Insurance. This isn’t a coverage offered by Farmers — in fact, it’s most frequently sold by car dealers during the purchase process. What gap insurance covers is the difference between the amount you owe on your car and its value in the event of a total loss. It’s worth your consideration when you borrow more than a car is worth. 

Call 1-800-665-5108 for a quote

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What is Umbrella Insurance?

Umbrella insurance helps cover your financial responsibility for injury or loss to someone else. It supplements the liability coverage provided by your home and auto policies. It’s an affordable way to protect your assets in case of a lawsuit. Umbrella coverage limits range from $1 million to $10 million.

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