It's the nation’s leading insurance provider for a reason. State Farm car insurance offers you a broad range of coverage options
Car insurance of some kind is required of all drivers and car owners in every state. State Farm is one of the largest and oldest national insurance companies and while their coverage options vary from state to state and from agent-to-agent, State Farm car insurance is a popular choice for a full range of policy options.
State Farm markets and manages its insurance through a network of agents and brokers, serving as what is known as captive agents as they can only offer, sell and service State Farm products. While the company sets general parameters on the cost of policies, what you are charged can actually vary from state to state and even from agent to agent.
State Farm is ranked well by surveys evaluating companies for price and service. J.D. Power & Associates ranks the company 4 on a scale of 5 for overall service, customer experience and for its agent network. It ranks State Farm 3 on a scale of 5 for price/value.
You will have a full slate of options for car insurance coverage when selecting State Farm. The standard options when you buy a State Farm car insurance policy include:
Liability
Liability coverage is an umbrella term State Farm uses for property damage liability and bodily injury liability. Property damage liability will cover loss of use of and costs to repair damage you cause to other people’s property (including cars) in an accident that is deemed to be your fault. Bodily injury covers the expense of lost wages, medical payments and pain and suffering you cause to other drivers and their passengers in an accident deemed to be your fault. Liability insurance coverage is generally what is the minimum required coverage when states set car insurance laws.
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Liability coverage can be supplemented with other policy options (listed below) here on its own alone as the only auto accident insurance that you carry. Be aware, however, that there are a number of states that require licensed drivers to have more than liability coverage in place. There are a number of states that are considered no fault states for the purposes of car insurance law and its requirements. These states require licensed drivers to carry some form of no fault coverage (such as medical payments or personal injury protection) in addition to the minimum liability levels set by the state. There are also some states that require licensed drivers to add uninsured/underinsured motorist coverage to a policy to star in compliance with car insurance requirements. (See below for details on these coverage options.)
Find a broader discussion of State Farm liability car insurance coverage here
Comprehensive and collision
Comprehensive coverage added to the auto insurance you get from State Farm will pay for repairing the damage a vehicle sustains in what is referred to as a non-collision event. Typical non-collision events include:
- Fires
- Floods
- Theft
- Damage from falling or flying objects
- Damage caused by severe weather
- Damage caused by animals
- Vandalism
Collision coverage added to your car insurance with State Farm will pay to repair damage to a covered vehicle that was the direct result of a running into another car, an object or damage resulting from a rollover accident.
Car insurance from State Farm can have both of these important policy options added separately or in combination (many leading car insurance companies will require you to add these two as a package and will not allow you to have one without the other.) One thing to consider with either of these options is that you will be required to select a separate deductible for each option. You should also be aware that if you are financing the purchase of a car with a car loan or if you are leasing a vehicle, you will likely be required to carry one or both of those options as a condition of your car loan or lease.
(Learn more about State Farm comprehensive car insurance coverage or State Farm collision coverage)
Uninsured and underinsured motorist
The majority of car insurance companies combine uninsured motorist and underinsured motorist coverage into a single option. State Farm recognizes that there are subtle differences in what each of these options provides. As a result, they offer them separately and with each (depending on the state where you live and the plan you have in place) there are additional sub-tiers of coverage to be aware of.
Uninsured motorist coverage and underinsured motorist coverage are, in some ways, mirror-reflection coverage options to liability coverage in that there is a bodily injury and a property damage component to each. Typically, drivers will put coverage levels in place on their uninsured/underinsured motorist coverage options that equals the levels they have for liability. (There are some states that regulate this with restrictions requiring you to have these two classes of coverage set at equal levels.)
Both uninsured and underinsured motorist options protect you if the other party in an accident doesn't have coverage or doesn't have enough coverage for any accidents they are ultimately found to be responsible for. These policy additions vary immensely between states, so check with your local State Farm agent for precise coverage options.
(Get more details about State Farm uninsured motorist coverage, or about State Farm underinsured motorist coverage)
Medical payments coverage
Medical payments coverage is the primary no fault option available for addition to your State Far car insurance coverage plan. It is designed to take car of the expenses necessary to treat injuries sustained by you, your passengers or any covered family members if you are ever in an accident. It is designed to pay out regardless of whichever party is ultimately found to be responsible for the accident.
Medical payments coverage will pay reasonable and necessary medical and funeral expenses for covered persons in the event of an accident. The coverage is required by some states and it provides great coverage at an affordable price. The cost will correspond to the limits you select. There are no deductibles or copays for this coverage and no restrictions on where you can receive treatment in the aftermath of an accident. Many people add medical payments as a way to support or even supplement any personal or family health insurance plan they may have in place so as to cover the deductibles or co-pays attached to those plans.
Personal injury protection (PIP) is a more detailed form of no fault coverage and it is available in some states and on some plan when you select State Farm as your car insurance provider. A PIP option will pay for treatment of injuries you, your passengers or any covered family members sustain in an accident involving a covered vehicle. It will also reimburse you for lost earnings or wages or toe cover the costs of added or lost services (such as day car or housecleaning) that may result in the aftermath of a car accident. It pays for funeral costs, rehabilitation expenses and other treatment and other long-term medical costs associated with an auto accident. This expanded option can also pay for treatment of injuries covered persons or named insureds sustain if they are hit by a car while riding a bike or while walking along a street ion a sidewalk.
These guides can give you more information on State Farm medical payments options or on State Farm's PIP coverage
Rental reimbursement and roadside assistance
State Farm rental reimbursement is an option you can put in place that will reimburse you some or all of the expense of acquiring a rental car if your covered vehicle is undergoing repairs after an accident and you can’t drive it. Limits on cost and time will vary from state to state and from plan to plan. Typically, this option will reimburse you for a set daily dollar amount (the average being $25-$30) with a maximum dollar limit per accident (and this max limit usually equates to 30 days of rental car use.) Some State Farm auto insurance plans with this option also come with a travel expense reimbursement should your covered vehicle be damaged while you were traveling far from home and you need to make travel arrangement to get back home while it’s being repaired. (Again, limits on this option vary by state and plan.)
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State Farm offers full-range emergency road service under what it calls Coverage H. This option provides direct reimbursement to select service providers to:
- Have your vehicle towed to a repair facility
- Conduct limited mechanical labor at the place of any breakdown when your vehicle becomes disabled
- Pull your vehicle out of a location where it is stuck
- Deliver gas or oil or some other vital fluid for your vehicle needed for its continued operation
- Assistance with changing a tire
- Provide a battery jumpstart
- Offer limited locksmith services
If you do not select the full Coverage H option, you can still take advantage of some roadside assistance from State Farm. If you have a State Farm auto insurance plan in place and suffer a debilitating roadside emergency, you can contact a service provider to have the issues addressed and pay for these services directly. However, let the roadside assistance provider know you are a State Farm customer and you will be charged a more competitive rate negotiated by State Farm. This rate will usually be less than what is available in the open market. If you pay for the services, you can submit the receipt to your agent for reimbursement consideration. (Coverage limits vary by state and plan.)
(Learn more about State Farm rental reimbursement policies or and find out more details on State Farm roadside assistance endorsements)
Discounts
Like most leading car insurance companies, State Farm offers a number of discounts to reduce your monthly car insurance costs while affording you a full range of coverage options. The question will be whether our qualify for ay or all of these standard discounts:
Good student discounts – families with student drivers or students on their own can earn up to 25 percent off their premium if they maintain good grades (the discount applies even after graduation and up until age 25 for most drivers.)
Multiple car discounts – save up to 20 percent if you have two or more cars in the same household insured through State Farm by related individuals.
Bundling coverage – combine (bundle) homeowners, condo, renters or life insurance coverage with your car insurance coverage through State Farm and enjoy up to a 17 percent discount.
Good driving discounts – go at least three years without a moving violation or an at-fault accident and State Farm will cut your bill by up to 10 percent.
Steer Clear® safe driver discount – a program unique to State Farm, it helps drivers under the age of 25 polish their driving skills and save money on car insurance coverage with up to a 15 percent discount when they complete State Farm’s Steer Clear safety course and maintain a three-year record free of any moving violations or at-fault accidents.
Defensive driving course discount – earn up to a five percent discount on premium for successfully completing an approved defensive driving course (not available everywhere).
State Farm’s Drive Safe & Save™ discount – generate up to a five percent savings for drivers who sign up for this program and agree to share certain driving information with State Farm and drive a qualified car. Premium savings is based on the actual usage of the vehicle as measured through participation. It can bring participants as much as a 50 percent reduction premium rates.
There are also some state-specific discounts available through State Farm you will want to look into if you are considering State Farm car insurance. Get more details about ways to get discounts from State Farm here.
How State Farm ranks
For a company of its size, State Farm ranks remarkably well in a broad cross-section of evaluative surveys and consumer reports. J.D. Power & Associates ranks the company squarely in the top 10 for both “most satisfying car insurance shopping experience” and “claims handling and processing”.
MSN/Money Magazine publishes an annual survey of car insurance companies and on a scale of 100, State Farm consistently ranks in the low 80s (putting it in the top 10).
As for strength of foundation, A.M. Best consistently grades the company AA+ for financial strength.
With a virtual army of agents spread throughout all 50 state, it’s certainly not hard to find a State Farm agent. Their structure of brokers and agents places them in the “captive” car insurance agent ranks. Any State Farm agent will be limited in the products thet can offer you. The good news there, though, is that they offer nearly every conceivable insurance product and you can get discounts for combining lines of coverage with them.
Regardless of the company you wind up going with for your car insurance coverage, comparing policy options is always a good idea. Reply! can help by connecting you with local insurance professionals eager to assist you.