3/8/2023
State Farm is one of the largest insurers in the United States and, in particular, the largest entity in terms of car insurance, being the first in most states, ahead of other giants such as Geico or Progressive.
If you drive a car in the USA, you are required by law to have insurance with minimum coverage. Here we will analyze what State Farm car insurances offer you, which stand out for their low prices and their flexibility to contract them.
With this insurance company you will enjoy a complete customer service, in addition to offering many other types of policies, such as medical, life, business and even pet insurance.
What coverages do State Farm car insurance policies offer?
In this company you can contract the coverages offered by most insurance companies, being able to choose the ones you want to be included in your policy and the ones you don't, although some of them are mandatory by law:
| COVERAGE | WHAT DOES IT COVER? | REQUIRED? |
Liability
| Damage to the other vehicle and personal injury to third parties if you are responsible for the accident.
| Yes, although each state has different requirements
|
| Crash | Damage to your car after a collision, regardless of who caused it.
| Some car loans and leasing contracts require it.
|
Personal injury
| Medical expenses for you and your passengers, regardless of who is responsible for the accident.
| Only in some states.
|
Uninsured or under insured driver
| If the driver who causes the accident does not have insurance or his policy does not cover enough, your insurance will cover the damages.
| Only in some states.
|
Roadside assistance service
| All kinds of incidents that may occur while driving, such as a flat tire, running out of fuel or towing to a garage in case of breakdown. | No
|
Travel expenses and replacement car
| While your car is being repaired in the shop, you have a replacement at your disposal. It also covers certain expenses in case your car breaks down while you are traveling.
| No |
Comprehensive insurance
| Damage to your car that is not due to a collision, such as theft, window breakage or fire.
| Some auto loans and leasing contracts require it.
|
Carpool driver
| Coverage for when you drive a shared car through a car sharing application.
| Some auto loans and leasing contracts require it.
|
What are the prices of State Farm auto insurance?
Although the cost of your policy will depend on multiple factors, we can tell you that State Farm is one of the cheapest insurance companies you can find for car insurance.
This is one of the reasons why the company is the largest auto insurance marketer in the United States, since its quality-price ratio is also very good.
With State Farm the price range can go from as low as $450 for the most basic coverage to full coverage starting at just over $1,000.
Factors that influence insurance pricing
The calculation of a car insurance policy is very personalized, and there are so many variables that practically no two policies are the same. Thus, the main parameters that will determine the price of your insurance are:
- Age
- Sex (statistically, women are more cautious behind the wheel and therefore tend to pay less).
- State in which you reside (each state requires more or less coverage)
- Age of your driver's license
- Driving record (accidents, tickets, etc.)
- Credit score
- Coverage you wish to hire.
You may be interested in: What is a salvage title on a car and how to clean it?
Discounts you can get with State Farm
With this insurer you will get discounts on your car insurance premium in different ways, including the possibility of receiving automatic discounts through two mobile applications:
- Drive Safe & Save. The app for Android and iOS detects good driver patterns, such as respecting speed limits, not driving for many hours at a time or using public transportation more and your car less.
- Steer Clear. Application for drivers under 25 years old that allows you to save if you complete a series of courses and driving practices within 6 months.
In addition, there are other ways to get discounts on your State Farm auto insurance as detailed below:
| Good student | If you do well in your studies, you will be able to save on your policy. |
| Student who does not use his car | If you study far from home or don't use your car because you live on campus. |
| Combining State Farm Insurance | The contracting of other policies, such as home or life policies with the company allows you to obtain good discounts. |
| Various vehicles | If you have several vehicles insured with the same insurance. |
| Good driver | A good driving record with no recorded accidents for at least three years is eligible for discounts. |
| Driving courses | Completing safe driving courses will give you discounts on your policy. |
| New cars | The latest generation cars have more safety systems. |
| Little use of the car | If you drive only a few kilometers per year with your car, you also have access to cheaper policies. |
State Farm is one of the best rated insurers, both by its customers and by specialized portals such as Nerdwallet, which gives it a 5 out of 5 in the review of its auto insurance.
If you want to apply for a car insurance with State Farm you can go to their website to make a quote or call their customer service phone number: 800-782-8332.
Español: Seguro de carro State Farm, de los más baratos para tu auto