State Farm Car Insurance Coverage Options
In addition to traditional coverage, State Farm coverage limits include rental reimbursement emergency road service. The average rates for State Farm car insurance are $271.67/mo.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Car insurance is required in almost every single state in the U.S.
- State Farm car insurance offers a variety of coverage and deductible options
- Coverage and deductible needs will vary according to personal factors
If you are looking for car insurance, there are certain things that you will need to decide on, such as the type of coverage you need and how much your deductible should be.
This article will give you information about the types of coverage State Farm offers, as well as information about its deductibles.
After reading what is available, you can speak with a State Farm agent to determine what the best choice is for you.
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If you would like to compare car insurance rates for this company or others, just fill in your ZIP code in the box provided above.
What does State Farm offer for liability coverage?
Car liability insurance coverage helps to pay for damage to your vehicle and for injuries to the driver and passengers if you are in an accident and also pays for court and legal defense costs.
There are two categories of liability coverage offered by State Farm:
- Property damage liability –helps to cover the damage to your car
- Bodily injury liability – helps to cover lost wages, pain and suffering, medical expenses, and other damages to an injured person
If you are in an accident with a driver who does not have insurance or does not have enough insurance, State Farm has you covered.
Underinsured/uninsured motorist coverage pays for injury damage to the driver or passenger. In certain states, it may pay for property damage as well.
Most states require a minimum amount of liability insurance, although higher amounts can be chosen.
For your state’s requirements, go to a list of state insurance coverage and click on your state.
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What type of coverage is available from State Farm for vehicle damage?
State Farm offers collision coverage, which helps to pay for repairs to a damaged vehicle caused by a collision with another car or vehicle, a vehicle rollover, or collision with another object.
Comprehensive coverage helps to pay for damage or loss of a car that is caused by wind, fire, flood, hail, theft, vandalism, or by hitting an animal.
State Farm also offers personal injury protection, also known as PIP, which helps to pay for medical expenses that occur from a car accident.
Besides medical expenses, personal injury protection may also pay for lost earnings, rehabilitation, funeral expenses, and childcare or other replacement services.
If you are in a car accident and your car is in the shop for repairs, rental reimbursement coverage from State Farm will help cover the costs of renting a car while your car is out of commission.
Emergency road service coverage helps you if your car breaks down on the road. This coverage helps to cover the cost of having your car towed to the nearest repair shop.
What is a car insurance deductible?
If you are in an accident, the deductible is the amount of money that you owe before the insurance company starts paying.
You can choose your own deductible, whether it is low or high.
If you choose a low deductible, you will not have to pay as much of your own money if you are in an accident.
The downside is that your insurance premium will be higher on an annual or monthly basis.
If you choose a high deductible, your insurance premium will be lower but you will have to pay more out of pocket if you are in an accident.
Once you have paid your deductible amount, State Farm will pay for the rest, up to the limit of your coverage.
To compare car insurance rates, just enter your ZIP code right now below for FREE.
Frequently Asked Questions
What are the benefits of choosing State Farm insurance?
State Farm offers several benefits to its policyholders, including:
- Comprehensive Coverage: State Farm provides a wide range of insurance options, including auto, home, renters, life, and more, allowing you to protect various aspects of your life.
- Strong Financial Stability: State Farm is one of the largest and most financially stable insurance companies in the United States. This stability gives policyholders confidence that their claims will be paid promptly and efficiently.
- Network of Agents: State Farm has a vast network of local agents across the country. These agents can provide personalized assistance, answer your questions, and help you navigate the insurance process.
- Variety of Discounts: State Farm offers various discounts to help policyholders save on their premiums. These discounts may include multi-policy discounts, safe driving discounts, and discounts for security features in your home.
- Mobile App and Online Tools: State Farm provides a user-friendly mobile app and online tools that allow you to manage your policies, file claims, make payments, and access important documents conveniently.
- Claims Service: State Farm has a reputation for efficient and reliable claims handling. Their claims representatives strive to provide prompt and fair settlement of claims, ensuring a smooth and hassle-free experience for policyholders.
- Financial Products and Services: State Farm offers a range of financial products, including banking, investment, and retirement options. This comprehensive approach allows you to access multiple services under one roof.
Are there any additional benefits to choosing State Farm insurance?
Yes, apart from the aforementioned benefits, State Farm also offers the following advantages:
- Community Involvement: State Farm has a long-standing commitment to giving back to communities. The company actively participates in charitable initiatives, disaster relief efforts, and community development programs.
- Personalized Policies: State Farm understands that each policyholder has unique needs. Their agents work closely with individuals to customize insurance policies that align with their specific requirements, ensuring adequate coverage and peace of mind.
- Educational Resources: State Farm provides educational resources and tools to help policyholders make informed decisions about their insurance coverage. These resources include articles, guides, and online calculators to assist in understanding insurance terminology and determining appropriate coverage levels.
- Good Neighbor Service: State Farm emphasizes its “Good Neighbor” philosophy, aiming to be a reliable and helpful resource for policyholders. Their commitment to personalized service and building long-term relationships sets them apart from other insurance providers.
Does State Farm offer any additional perks or benefits for policyholders?
Yes, State Farm provides several additional perks and benefits to enhance the overall insurance experience. Some of these perks include:
- Steer Clear Program: State Farm offers the Steer Clear Program, which is designed for young drivers to help them develop safe driving habits and earn discounts on their auto insurance premiums.
- Drive Safe & Save: State Farm’s Drive Safe & Save program utilizes telematics technology to monitor driving habits. By participating in the program, policyholders may be eligible for discounts based on their safe driving behaviors.
- Roadside Assistance: State Farm offers optional roadside assistance coverage that provides 24/7 emergency assistance for services such as towing, fuel delivery, jump-starts, and lockout assistance.
- Rental Car and Travel Expenses Coverage: Depending on the policy, State Farm may provide coverage for rental cars or reimbursement for travel expenses incurred if your insured vehicle is involved in an accident and requires repairs.
- Home Alert Protection: State Farm offers home insurance policyholders the option to add Home Alert Protection, which provides discounts on home security systems and monitoring services.
- Mobile Home Endorsement: For mobile home owners, State Farm offers a mobile home endorsement that provides specialized coverage options specifically tailored to mobile homes and their unique risks.
Can I bundle multiple insurance policies with State Farm?
Yes, State Farm offers the option to bundle multiple insurance policies, which can lead to potential cost savings and convenience. By bundling your auto, home, renters, or other insurance policies with State Farm, you may qualify for a multi-policy discount. This discount is applied when you have two or more qualifying policies with State Farm.
How can I file an insurance claim with State Farm?
To file an insurance claim with State Farm, you can follow these general steps:
- Contact State Farm: Notify State Farm of the incident as soon as possible. You can reach out to your local State Farm agent, call the State Farm claims department, or file a claim online through their website or mobile app.
- Provide Information: Be prepared to provide relevant details about the incident, such as the date, time, location, description of what happened, and any other supporting information requested by the claims representative.
- Document the Loss: Take photos or videos of the damage, if applicable. Keep any receipts, invoices, or other documentation related to the loss or expenses incurred.
- Cooperate with the Claims Process: State Farm will assign a claims representative who will guide you through the process. They may request additional information, arrange for an appraisal, or schedule an inspection, depending on the nature of the claim.
- Claim Resolution: Once the claims process is complete, State Farm will work to settle the claim based on the terms and coverage outlined in your insurance policy. They will provide you with updates on the status of your claim and address any questions you may have.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.