State Farm Auto Insurance
Explore State Farm car insurance coverage, discounts, Drive Safe & Save, roadside assistance, rental reimbursement, claims and options for getting an auto insurance quote.
State Farm Car Insurance at a Glance
A practical guide to State Farm auto insurance coverage, savings programs and policy options.
State Farm offers auto insurance for drivers with a range of coverage options and savings opportunities. Its auto insurance products include liability protection, physical damage coverage and additional protections that can be selected depending on the driver’s circumstances and state.
State Farm also offers programs and discounts designed around safe driving, multiple vehicles, driver education, vehicle safety features and other qualifying factors.
The exact coverage requirements, available options, discounts, eligibility and premium can vary by state and individual circumstances. A personalized quote is therefore more useful than a general national price.
Auto Insurance Details Vary by State
State Farm notes that insurance savings, discount names, percentages, availability and eligibility can vary by state. Drivers should review the options and requirements applicable to their location and policy.
State Farm Auto Insurance Coverage
State Farm provides several coverage options that can be combined according to state requirements and individual needs.
Liability Coverage
Liability coverage can help protect you when you are legally responsible for injuries or property damage resulting from a covered accident, subject to your policy limits.
Collision Coverage
Collision coverage can help pay for covered damage to your insured vehicle resulting from a collision, subject to the deductible and policy terms.
Comprehensive Coverage
Comprehensive coverage can help protect an insured vehicle from covered damage other than collision-related damage, subject to the policy and deductible.
Uninsured Motorist Coverage
Uninsured motorist coverage can provide protection in qualifying situations involving a driver who does not have applicable insurance.
Underinsured Motorist Coverage
Underinsured motorist protection can apply when an at-fault driver’s available insurance is not sufficient to cover eligible damages, subject to state rules and policy terms.
Emergency Road Service
Emergency road service coverage can help eligible drivers with certain roadside situations, including towing or specified roadside repairs.
What Does “Full Coverage” Mean?
“Full coverage” is not a single insurance product or standardized policy. The phrase is often used to describe a combination that can include liability, comprehensive and collision coverage. The appropriate combination depends on state requirements, the vehicle, the policyholder and the desired level of protection.
State Farm Auto Insurance Discounts
State Farm offers multiple ways eligible drivers may reduce their auto insurance costs.
| Discount or Savings | How It Works |
|---|---|
| Drive Safe & Save | Eligible drivers can receive an auto insurance premium adjustment based on driving information and applicable mileage factors. |
| Steer Clear | A program for qualifying younger drivers that combines driving education and potential insurance savings. |
| Good Driver | Drivers with qualifying accident and violation histories may be eligible for savings. |
| Good Student | Eligible students who meet State Farm’s academic requirements may qualify for a discount. |
| Multiple Automobiles | Insuring multiple qualifying household vehicles may provide premium savings. |
| Vehicle Safety Features | Certain safety equipment and driver assistance technologies may qualify for savings. |
| Anti-Theft Features | Eligible vehicles equipped with qualifying anti-theft devices may receive a discount. |
| Defensive Driving | In qualifying states, completing an approved driver safety course may result in an auto insurance discount. |
Discounts Depend on Eligibility
State Farm states that discount availability, discount names, percentages and eligibility can vary by state and individual circumstances. The discounts listed above should not be interpreted as automatically available to every driver.
State Farm Drive Safe & Save
A telematics-based program that can reward eligible drivers for participating and demonstrating safe driving behavior.
Drive Safe & Save®
Drive Safe & Save uses information collected through the State Farm app and, where applicable, a Bluetooth beacon to evaluate driving characteristics and mileage.
- Initial participation savings may be available after enrollment and setup.
- Eligible safe drivers may receive savings based on their driving.
- The program can provide driving feedback through the State Farm app.
- Premium adjustments are generally reviewed at policy renewal after sufficient data is available.
Drive Safe & Save Availability
State Farm notes that Drive Safe & Save discounts can vary by state. The company currently states that discounts may exceed 30% in some situations, with specific state restrictions and exceptions. Setup is required, and eligibility conditions apply.
Additional State Farm Auto Insurance Options
Depending on the state and policy, drivers may have access to additional auto insurance protections.
Emergency Road Service
Emergency road service coverage can help get an eligible vehicle moving again after certain roadside problems, including towing and some roadside repairs.
Rental Car Reimbursement
Rental reimbursement can help cover the cost of a rental vehicle while an insured vehicle is not drivable or repairs are underway, subject to applicable coverage limits.
Travel Expenses
Eligible coverage can help with certain meals, lodging and transportation expenses when a covered accident occurs more than the applicable distance from home.
Rideshare Coverage
State Farm offers rideshare insurance options for eligible auto insurance customers who drive for services such as Uber or Lyft.
Electric & Hybrid Vehicles
State Farm provides auto insurance options for eligible electric and hybrid vehicles as part of its broader auto insurance offering.
Mobile Insurance Services
The State Farm mobile app provides tools for managing insurance, accessing roadside assistance, reporting claims and using eligible programs.
State Farm Auto Insurance Claims
State Farm provides online and mobile options for reporting and managing auto insurance claims.
Report the Accident
Report an eligible auto claim through State Farm’s online claim services, mobile app or available customer support channels.
Provide Information
Provide details about the accident, vehicle damage and other information requested during the claims process.
Damage & Repair
State Farm can guide eligible customers through the vehicle damage assessment and repair process.
Resolution
Claim payments, repairs, rental services and other resolutions depend on the applicable coverage, limits, deductible and circumstances.
Rental Car Assistance After a Covered Claim
State Farm’s rental reimbursement coverage can help cover rental costs while an eligible vehicle is not drivable or repairs are underway. State Farm notes that covered rental expenses can include the daily rental rate, mileage charges and related taxes, subject to applicable limits.
State Farm Auto Insurance Features
Areas drivers can review when comparing State Farm auto insurance with their coverage needs.
Multiple Coverage Options
State Farm provides liability, physical damage and additional coverage options that can be selected according to policy needs and state requirements.
Safe Driving Programs
Drive Safe & Save and Steer Clear provide programs designed around driving behavior, driver education and potential savings.
Mobile Services
The State Farm app can help customers manage insurance, access roadside assistance, file claims and participate in eligible programs.
Explore State Farm Auto Insurance
Visit State Farm’s official website to explore available coverage options and request a personalized auto insurance quote.
Visit State Farm Auto InsuranceState Farm Auto Insurance FAQ
Common questions about State Farm car insurance.
What types of auto insurance coverage does State Farm offer?
Does State Farm offer auto insurance discounts?
What is Drive Safe & Save?
Does State Farm offer roadside assistance?
Does State Farm offer rental car reimbursement?
Can I get a State Farm auto insurance quote online?
Does State Farm auto insurance vary by state?
Official State Farm Auto Insurance Resources
Visit State Farm’s official website for current coverage, pricing, eligibility and policy information.
State Farm and the names of its products and programs are trademarks of State Farm Mutual Automobile Insurance Company and its affiliates. Newest Cars Insurance is an independent informational website and is not affiliated with, sponsored by, or endorsed by State Farm.