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What to Know
State Farm sells the core coverages (liability, collision and comprehensive) and has a long discount list. Whether State Farm car insurance is good for you comes down to two questions: Do you live in its coverage area, which encompasses the vast majority of the U.S., and will you need gap insurance?
State Farm offers online quotes, online policy purchases and online claim filing, so speaking with an agent is optional. Getting an online quote makes it easier to compare the same coverage across car insurance carriers.
State Farm
Best for Young Drivers- Discounts
- 19
- Online Quotes
- Online Policy Purchase
Why We Like State Farm
State Farm is our pick for young drivers. Its discount list includes good student, driver training, Steer Clear and student away at school, which match the years a teen is likely to be on a family auto insurance policy. It also rewards households with more than one car or policy through its multi-car, bundle and save and multi-policy discounts.
Pros and Cons
Pros
- Offers rideshare coverage
- 19 discounts to choose from
- Buy a policy online
Cons
- Not sold in 2 states
- No gap insurance
Solvable's Take on State Farm Car Insurance
State Farm car insurance makes the most sense for a family adding a teen, a household insuring two or three cars, and a driver who wants an agent available but prefers to handle quotes and claims online. It offers rideshare driver coverage for those who need it and has discounts for seniors and driving fewer than 7,000 miles annually. Customers can add emergency road service, car rental reimbursement and travel expenses coverage.
State Farm does not offer gap insurance, which pays the difference between what your car is worth and what you still owe on the loan or lease if the car is totaled or stolen. If you're worried about a negative gap between your car's value and its loan balance, ask if your lender offers it. If you want this as part of your insurance policy, however, you'll need to look at another carrier.
State Farm Car Insurance Discounts
If you have a teen on the policy, ask about the student and young-driver discounts first: good student, driver training, Steer Clear and student away at school. The full list:
- Accident-free
- Defensive driving course
- Drive Safe & Save
- Driver training
- Good student
- Student away at school
- Vehicle safety
- Anti-theft
- Passive restraint
- Good driver
- Steer Clear
- Multi-car
- Bundle and save
- Multi-policy
- Homeownership
- Senior
- Loyalty
- Low mileage
- College graduate
State Farm Car Insurance Coverage
Liability Coverage
Liability coverage pays for injuries and property damage you cause to other people in a crash. Most states require it.
Collision Coverage
Collision coverage pays to repair your car after a crash, no matter who was at fault, minus your deductible. Your deductible is the amount you pay out of pocket before coverage starts.
Comprehensive Coverage
Comprehensive coverage pays for damage that doesn't come from a crash, such as theft, hail or a collision with an animal.
Uninsured & Underinsured Motorist
This coverage protects you when the driver who caused the crash has no insurance or too little of it to cover your costs.
Medical Payments Coverage
Medical payments coverage helps pay medical bills for you and your passengers after a crash.
Rideshare Driver Coverage
Personal auto policies can leave coverage gaps while you're driving for a rideshare app. Rideshare driver coverage is designed to fill that time.
Frequently Asked Questions
Is State Farm car insurance good?
State Farm fits young drivers and multi-car households well, with a long list of discounts and the ability to get a quote, buy a policy and file a claim entirely online. Whether it's good for you specifically depends on where you live and what coverage you're looking for.
Where is State Farm car insurance not available?
State Farm doesn't sell car insurance in Massachusetts or Rhode Island.
Do I have to use a State Farm agent to get insurance?
You can obtain a quote and purchase a policy on State Farm's website or app. Working with an agent is optional.
