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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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • 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.

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.

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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