State Farm car insurance
State Farm auto insurance quotes
State Farm ‘s car policy rates are significantly less expensive than its competitors ‘ rates — 44% cheaper than average — based on the quotes we gathered. The company quoted $ 417 a year for minimum coverage and $ 1,045 for a full-coverage policy .
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|
Company |
Minimum coverage |
Full coverage |
Accident |
|
|---|---|---|---|---|
| State Farm | $417 | $1,045 | $1,131 | |
| Country Financial | $467 | $1,214 | $1,454 | |
| Geico | $1,025 | $2,578 | $3,162 | |
| Progressive | $1,088 | $2,306 | $2,718 |
Drivers who can take advantage of some of State Farm ‘s discounts may be able to lower their rates even further .
Rates may vary importantly by region and driver, so the best direction to get the cheapest rates is to compare car policy quotes .
State Farm auto insurance discounts
Drivers looking for ways to reduce their car insurance rates will find a wide variety of discounts from State Farm, including two discounts for safe drivers that offer significant benefits .
|
Discount |
How do you receive it? |
|---|---|
| Accident-free discount | Have your vehicle continuously insured with State Farm for at least three years without having an at-fault accident |
| Defensive driving discount | Take a driver safety course |
| Good student discount | Have a GPA of 3.0 or higher |
| Bundle policies | Have a homeowners, renters, condo or life insurance policy from State Farm in addition to your auto policy |
| Good driver discount | Go three years or more without an at-fault accident or moving violation |
Show All Rows Highlighted deduction : Steer Clear driver program
This course of study by State Farm is designed for those under 25 years old to brush up on their driver education. Steer Clear includes path train, practice drive and mentorship. Your State Farm agentive role can help you navigate the course of study, which can be completed on-line or on your fluid app. This course of study is available in all states except California, Hawaii, Massachusetts, North Carolina and Rhode Island. Highlighted rebate : Drive Safe & Save
eligible drivers who enroll in the Drive Safe & Save course of study receive an automatic discount on their car insurance rates barely for signing up. This course of study uses information from your fomite ‘s OnStar organization or the Drive Safe & Save mobile app to track your driving habits. State Farm will use this information at each policy renewal to determine how much you can save — which could be up to 50 % .
State Farm auto insurance coverages
State Farm offers customers all of the standard car insurance coverages, including liability policy, uninsured/underinsured motorist coverage, collision and comprehensive insurance, and personal wound protection .
It besides offers a few early valuable policy add-ons, such as rental car and travel expenses coverage and rideshare insurance .
|
Coverage |
Description |
Is it required? |
|---|---|---|
| Liability insurance | Covers the cost of repairs or medical care if you cause damage or injury to another driver | Yes, but each state has different required limits |
| Uninsured and underinsured motorist | Covers damage if the at-fault driver can’t pay | Required in some states |
| Collision | Covers damage to your car after a collision, no matter who was at fault | Could be required if you have a lease or loan on your car |
| Comprehensive | Covers damage to your car that isn’t caused by a collision | Could be required if you have a lease or loan on your car |
| Personal injury protection (PIP) | Covers medical expenses for you and your passengers, no matter who is at fault in an accident | Required in some states |
| Emergency road service coverage | Covers towing, locksmith labor and delivery of gas, oil, a new battery or a change of tire if your car breaks down | No |
| Rideshare driver insurance | Provides coverage while you drive for a rideshare app | Could be required if you have a lease or loan on your car |
| Rental car and travel expenses coverage | Covers the cost of a rental car while yours is being repaired, and certain expenses if your car breaks down while you’re traveling | No |
Highlighted profit : rental car and travel expenses
While rental car policy is a pretty standard optional coverage among insurers, State Farm ‘s coverage goes above and beyond by covering lodge, transportation system and meals if your vehicle is disabled while you ‘re on the road. This coverage pays for travel expenses of up to $ 500 per incidental. To take advantage of travel expenses coverage, your cable car has to be undrivable as a result of an incident that falls under your comprehensive examination or collision insurance. Highlighted benefit : Rideshare indemnity
If you drive for Uber or Lyft ( either part time or fully time ), then you need to buy a branch rideshare indemnity policy. State Farm offers rideshare insurance that extends the coverages from your personal car insurance policy to cover you while you ‘re working. typically, adding rideshare coverage to your policy policy raises your premium by 15 % to 20 %.
State Farm classic car coverage
State Farm offers coverage for classical cars and in 2022 partnered with Hagerty to offer a coverage called State Farm Classic+. State Farm had previously offered classical car coverage, but Hagerty is an industry drawing card in that sphere. The companies expect to cover every state by 2023 .
classical car coverage is normally built around agreed measure indemnity in which the owner and company agree on a cook value for the vehicle. classic cars are more unmanageable to repair, so it often makes sense to have an insurance company with specialized cognition .
express farm considers a cable car classic if it is between 10 and 24 years old and has historic interest — for case, a hot rod or muscle cable car .