The world of auto insurance can feel like navigating a maze, especially when you hear terms like "full coverage." It sounds straightforward, right? Comprehensive protection. But what does it truly entail with a major provider like State Farm, and perhaps more importantly, what will it cost you? This lengthy guide will break down the intricacies of State Farm full coverage, helping you understand the factors that influence your premium and how to get the most accurate quote.
Step 1: Let's Demystify "Full Coverage" Together!
Before we dive into numbers, let's clear up a common misconception: "Full coverage" isn't an official insurance policy type. It's a widely used term that generally refers to a combination of several key coverages designed to protect your vehicle and you in various scenarios, not just when you're at fault.
Think of it this way: Most states require a minimum level of liability insurance, which covers damages you cause to others. "Full coverage" essentially adds layers of protection for your own car and injuries.
So, what are these core components of "full coverage" with State Farm?
A. Liability Coverage: This is the foundation of almost any auto insurance policy and is legally required in most states.
Bodily Injury Liability: This helps pay for medical expenses, lost wages, and funeral costs for others injured in an accident where you are at fault. Limits are typically expressed as per person/per accident (e.g., $50,000/$100,000 means $50,000 per person, up to $100,000 per accident).
Property Damage Liability: This covers damage to another person's property (like their car, fence, or house) if you're responsible for the accident.
B. Collision Coverage: This is where your own car's protection really kicks in.
What it covers: This pays for damages to your own vehicle resulting from a collision with another vehicle or object, or if your car overturns, regardless of who is at fault.
Deductible: You'll choose a deductible for this coverage (e.g., $500 or $1,000). This is the amount you pay out of pocket before State Farm starts covering the rest of the repair costs. A higher deductible generally means a lower premium, but a higher upfront cost if you file a claim.
C. Comprehensive Coverage: This protects your vehicle from non-collision related incidents.
What it covers: Think theft, vandalism, fire, floods, hail, falling objects, or hitting an animal.
Deductible: Similar to collision, comprehensive coverage also typically has a deductible.
Beyond these core three, a "full coverage" policy with State Farm might also include (or you may want to add):
Tip: Reread complex ideas to fully understand them.
Personal Injury Protection (PIP) or Medical Payments (MedPay): These cover medical expenses for you and your passengers, regardless of who is at fault. Availability and requirements vary by state.
Uninsured/Underinsured Motorist (UM/UIM) Coverage: This is crucial. It protects you if you're in an accident with a driver who doesn't have insurance or doesn't have enough insurance to cover your damages and injuries.
Rental Car Reimbursement: Covers the cost of a rental car while your vehicle is being repaired after a covered claim.
Emergency Road Service (Roadside Assistance): Provides assistance for things like towing, jump-starts, flat tire changes, fuel delivery, and lockout services.
 |
| How Much Is Full Coverage Through State Farm |
Step 2: Understanding What Influences Your State Farm Full Coverage Premium
There's no single answer to "how much is full coverage through State Farm" because the cost is highly individualized. State Farm, like all insurers, uses a complex algorithm that considers numerous factors to assess your risk. The national average for State Farm full coverage is around $116 to $181 per month, but your actual cost can vary significantly.
Here are the primary factors that will shape your premium:
A. Your Driving Record: This is arguably the most significant factor.
Clean Record: Drivers with no accidents or moving violations typically receive the best rates.
Tickets and Accidents: Speeding tickets, at-fault accidents, and DUIs will almost certainly increase your premium. The more severe and recent the incident, the higher the impact.
B. Your Location (ZIP Code): Where you live and even where you park your car can impact your rates.
Urban vs. Rural: Cities with higher traffic density, crime rates (theft, vandalism), and accident frequencies generally have higher premiums.
Specific Neighborhoods: Even within a city, some ZIP codes might have higher rates than others due to localized risk factors.
C. Your Vehicle: The car you drive plays a big role.
Make, Model, and Year: More expensive cars, luxury vehicles, sports cars, and those with higher repair costs or theft rates will generally cost more to insure.
Safety Features: Vehicles equipped with advanced safety features (like automatic emergency braking, lane departure warning) may qualify for discounts.
Anti-Theft Devices: Alarms and other anti-theft systems can also lead to discounts.
D. Your Age and Driving Experience:
Younger Drivers: Teenagers and drivers under 25 typically face the highest premiums due to their limited driving experience and higher statistical risk of accidents.
Experienced Drivers: Rates generally decrease as drivers gain more experience and reach their prime driving years (often between 25 and 65).
Senior Drivers: Rates may start to increase again for older drivers due to potential changes in reaction time or health, although this varies greatly.
E. Your Chosen Coverage Limits and Deductibles:
Higher Limits: Opting for higher liability limits (e.g., $100,000/$300,000 instead of state minimums) provides more protection but will increase your premium.
Lower Deductibles: Choosing a lower deductible for collision and comprehensive coverage means you pay less out-of-pocket if you file a claim, but your monthly premium will be higher.
F. Your Credit-Based Insurance Score (where permitted by law): Many states allow insurers to use your credit history to calculate a credit-based insurance score. Statistically, individuals with higher credit scores tend to file fewer claims.
Good Credit: Often leads to lower premiums.
Poor Credit: Can result in significantly higher rates.
G. Annual Mileage: How much you drive can affect your risk exposure. Driving fewer miles generally means lower rates.
H. Prior Insurance History: Having continuous insurance coverage, without lapses, can signal responsibility and lead to better rates.
Step 3: Getting Your State Farm Full Coverage Quote: A Step-by-Step Guide
Tip: Make mental notes as you go.
Ready to find out your personalized State Farm full coverage cost? Here's how to do it efficiently:
A. Gather Your Information Before You Start: Having everything ready will make the process much smoother.
Driver Information:
Your full name and date of birth
Driver's license number
Social Security Number (optional, but can help with credit-based insurance score)
Marital status
Occupation
Education level
Driving history (accidents, tickets, claims in the last 3-5 years) for all drivers in your household.
Vehicle Information:
Year, Make, Model of your vehicle(s)
Vehicle Identification Number (VIN) for each car (found on your dashboard or doorjamb)
Current odometer reading (approximate annual mileage)
Safety features (anti-lock brakes, airbags, anti-theft devices, driver-assist technology)
How the vehicle is primarily used (commute, pleasure, business)
Where the vehicle is garaged overnight.
Current Insurance Information (if applicable):
Current policy declarations page (to compare coverages and limits)
Current insurer and policy expiration date.
B. Choose Your Quoting Method: State Farm offers a few convenient ways to get a quote.
1. Online (StateFarm.com): The Quickest Option
Visit the State Farm Website: Go to StateFarm.com and look for the "Get a Quote" or "Auto Insurance" section.
Enter Your ZIP Code: This is usually the first step to connect you with local rates.
Input Vehicle Details: You'll be prompted to provide the year, make, model, and VIN for your car(s).
Enter Driver Information: Add details for yourself and any other drivers in your household.
Select Coverage Options: This is where you'll build your "full coverage" policy. The online tool will usually present various options.
Start with higher liability limits than the state minimum for better protection.
Select Collision and Comprehensive coverage. Choose your desired deductibles for each.
Consider adding UM/UIM, PIP/MedPay, Rental Reimbursement, and Roadside Assistance.
Review and Customize: The system will generate an initial quote. This is your opportunity to play with different deductibles and limits to see how they impact your premium.
Save or Connect with an Agent: You can often save your quote for later or choose to have a local State Farm agent contact you to finalize the policy.
2. Via a Local State Farm Agent: For Personalized Guidance
Find an Agent: Use the "Find an Agent" tool on the State Farm website or simply search online for "State Farm agent near [your city/ZIP code]".
Schedule an Appointment or Call: Contact the agent's office to set up a meeting or get a quote over the phone.
Discuss Your Needs: A local agent can provide personalized advice, explain coverage options in detail, and ensure you're getting all eligible discounts. This is often recommended if you have complex insurance needs or prefer face-to-face interaction.
3. Over the Phone (State Farm Customer Service): For Direct Assistance
You can call State Farm's general customer service number (usually found on their website) and request an auto insurance quote. They will guide you through the process, asking for the same information as the online tool.
C. Be Thorough and Accurate: Garbage in, garbage out! The accuracy of your quote directly depends on the information you provide. Don't omit details, even small ones, as they can lead to discrepancies later.
Step 4: Unlocking State Farm Full Coverage Discounts
State Farm offers a wide array of discounts that can significantly lower your full coverage premium. Always ask your agent or check the online quoting system for all applicable discounts.
A. Safe Driving Discounts:
Drive Safe & Save™: This telematics program uses a mobile app or device to track your driving habits (mileage, braking, acceleration). You get an initial discount for enrolling, and could save up to 30% based on your safe driving.
Steer Clear® Program: For new drivers or those under 25, completing this program (which involves a course and driving practice) can lead to significant savings.
Accident-Free and Good Driving Savings: Long-term safe drivers can receive additional savings.
Defensive Driving Course Discount: Completing an approved defensive driving course may qualify you for a discount in some states.
B. Vehicle-Related Discounts:
Vehicle Safety Savings: For newer cars with advanced safety features.
Passive Restraint Discount: For vehicles with factory-installed airbags or automatic seatbelts (often for older models).
Anti-Theft Discount: If your car has an approved alarm or anti-theft device.
C. Driver-Specific Discounts (especially for younger drivers):
Good Student Discount: Up to 25% for full-time high school or college students under 25 who maintain good grades (e.g., 3.0+ GPA).
Driver Training Discount: For operators under 21 who complete an approved driver education course.
Student Away at School Discount: If a student under 25 attends school at least 100 miles from home and doesn't take a vehicle.
D. Policy-Related Discounts:
Multi-Car Discount: Insure two or more vehicles in your household with State Farm for up to 20% off.
Multi-Policy Discount (Bundling): One of the biggest savers! Bundle your auto insurance with home, renters, condo, or life insurance for significant savings (up to 17% or more).
Loyalty Discount: Long-term policyholders may earn additional discounts.
Pay in Full Discount: Paying your premium in full (rather than monthly installments) can often lead to a small discount.
Paperless/Auto-Pay Discount: Enrolling in paperless billing or automatic payments might also offer a slight reduction.
Step 5: Reviewing Your Quote and Making Your Decision
Tip: Break it down — section by section.
Once you have your State Farm full coverage quote, take the time to review it carefully.
A. Understand Your Coverages and Limits: Ensure the quote reflects the "full coverage" components you need (liability, collision, comprehensive, UM/UIM, etc.) and that the limits are adequate for your financial protection.
B. Compare Deductibles: Consider whether the chosen deductibles are comfortable for your budget in case of a claim. Remember the trade-off between deductible amount and premium.
C. Verify Discounts: Double-check that all eligible discounts have been applied. If you think you qualify for something that isn't listed, ask!
D. Shop Around (But Compare Apples to Apples): While State Farm is often competitively priced, especially for drivers with good records, it's always wise to get quotes from at least 2-3 other reputable insurers. Crucially, when comparing, ensure you are getting quotes for the exact same coverage limits and deductibles from each company. This ensures a true "apples to apples" comparison.
E. Read Customer Reviews: While price is important, also consider customer service, claims handling reputation, and financial strength. State Farm generally receives positive ratings for customer satisfaction and financial stability (A++ from AM Best).
By following these steps, you'll be well-equipped to understand how much full coverage through State Farm will cost you, what it includes, and how to potentially lower that cost.
Frequently Asked Questions about State Farm Full Coverage
Here are 10 common "How to" questions related to State Farm full coverage, with quick answers:
How to get the cheapest full coverage through State Farm? To get the cheapest full coverage, maintain a clean driving record, bundle multiple policies (auto and home/renters), enroll in the Drive Safe & Save program, choose higher deductibles, and inquire about all eligible discounts like good student or multi-car.
QuickTip: Reflect before moving to the next part.
How to find out exactly what "full coverage" means on my State Farm policy? "Full coverage" typically refers to the combination of Liability, Collision, and Comprehensive coverages. To see the exact details on your specific State Farm policy, refer to your policy declarations page, log into your online account, or contact your State Farm agent directly.
How to lower my State Farm full coverage premium if I have a speeding ticket? A speeding ticket will likely increase your premium. To lower it, maintain a clean record going forward, consider taking a defensive driving course (if offered for a discount in your state), and explore all other available discounts. The impact of the ticket will generally lessen over 3-5 years.
How to add roadside assistance to my State Farm full coverage policy? You can add Emergency Road Service (Roadside Assistance) to your State Farm policy by contacting your agent, logging into your online account and modifying your coverages, or calling State Farm customer service. It's typically an affordable add-on.
How to know if my financed car requires full coverage with State Farm? If your car is financed or leased, your lender almost certainly requires you to carry full coverage (meaning collision and comprehensive, in addition to liability) to protect their investment. This requirement will be outlined in your loan or lease agreement.
How to compare State Farm full coverage with other insurance companies effectively? When comparing, ensure you're getting quotes for the exact same liability limits, collision deductibles, comprehensive deductibles, and any additional coverages (like UM/UIM, PIP). This "apples to apples" comparison will give you the most accurate cost difference.
How to utilize State Farm's Drive Safe & Save program to reduce full coverage costs? Enroll in the Drive Safe & Save program through your State Farm agent or online. You'll use an app or device that tracks your driving habits. Your discount will be based on factors like mileage, acceleration, braking, and cornering, potentially saving you up to 30%.
How to make a claim with State Farm if I have full coverage? You can file a claim with State Farm online through their website or mobile app, by calling their 24/7 claims service line, or by contacting your local State Farm agent. Having your policy number and incident details ready will expedite the process.
How to qualify for the State Farm Good Student discount for full coverage? To qualify for the Good Student discount, a full-time high school or college student on your policy (under age 25) typically needs to maintain a B average (3.0 GPA) or higher, be in the top 20% of their class, or be on the Dean's List/Honor Roll. Provide proof of academic achievement to your agent.
How to adjust my deductibles on my State Farm full coverage policy? You can usually adjust your collision and comprehensive deductibles by contacting your State Farm agent or logging into your online account. Remember that increasing your deductible will lower your premium, but mean a higher out-of-pocket cost if you have a claim.
 |
💡 This page may contain affiliate links — we may earn a small commission at no extra cost to you.
