What is full coverage in State Farm?

Asked by: Mr. Kobe Tillman  |  Last update: June 2, 2025
Score: 4.1/5 (7 votes)

While “full coverage” isn't defined, it can mean having a package of coverage that provides you with the protection that meets your needs. It can mean you have both liability and physical damage coverage, like comprehensive and collision coverage.

What is included in full coverage?

Comprehensive, collision and liability insurance are all included in full coverage. Auto accidents and losses brought on by vandalism, severe weather, fire, or theft will also be covered. California's Low-Cost Auto Insurance program allows some drivers to apply for coverage.

How much will full coverage cover?

These limits can go up to and over $250,000 per person for bodily injury, up to $500,000 per accident, and up to $100,000 and over for property damage. 2. The lowest available deductible for collision and comprehensive coverage.

How much does State Farm charge for full coverage insurance?

Full-coverage policies with State Farm cost $1,604 a year, on average, which is 24% less than the national average rate of $2,101. State Farm also offers several car insurance discounts that can help you save money, such as savings of up to $1,273 if you bundle your car and home insurance policies.

What is the cheapest insurance for full coverage?

The cheapest companies for full coverage car insurance
  • Travelers — $112 per month. Travelers' full coverage averages $112 per month for comprehensive and collision coverages.
  • USAA — $114 per month. USAA full coverage averages $114 per month for comprehensive and collision coverages.
  • Nationwide — $123 per month.

What Does State Farm Full Coverage Insurance Cover? - InsuranceGuide360.com

18 related questions found

Why am I paying so much for full coverage insurance?

Driving record

Incidents such as accidents (even if you weren't at fault), speeding violations, reckless driving, and driving while intoxicated can increase premiums. If you've filed a claim in the past few years, this might also result in an increase to your premium.

Who normally has the cheapest car insurance?

Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.

Does full coverage cover at-fault accidents?

Full coverage car insurance covers the costs to repair damage to your vehicle in an at-fault accident. However, in most states, it doesn't include coverage for bodily injuries that you or your passengers sustained. In “no-fault” states, your auto insurance does cover your bodily injuries up to the limits purchased.

What is a good 6 month premium car insurance?

The average 6-month car insurance premium is $947 per year, but some insurers offer lower rates; Nationwide offers 6-month car insurance at $774.

Do I need full coverage on my car if it's paid off?

Whether you need full coverage insurance on a used car that is already paid off depends on how much your car is worth, and whether you'd be in a position to replace your car if you had a sudden need to (like if you got into an accident or your car was stolen, etc.).

At what point is full coverage not worth it?

Paying for comprehensive and collision — the coverages that many people mean when they say "full coverage" — may not be worth it if your car's value is minimal and your policy includes a high deductible. Usually, you have to have comprehensive and collision on a financed car because most lenders require it.

What is a good insurance coverage amount?

Typical coverage amounts: Insurance experts recommend at least $100,000 per person and $300,000 per accident for bodily injuries, and $100,000 for property damage.

Is it better to have a $500 deductible or $1000?

Remember that filing small claims may affect how much you have to pay for insurance later. Switching from a $500 deductible to a $1,000 deductible can save as much as 20 percent on the cost of your insurance premium payments.

What is not covered by full coverage insurance?

What's not covered with "full coverage"? Your medical expenses and your passengers' medical expenses are not covered by liability, collision, or comprehensive coverages. Medical bills can be covered by purchasing medical payments coverage or personal injury protection coverage.

What happens if your car gets stolen and you have full coverage?

Downey drivers whose cars are stolen in Califonia will have car theft insurance if they have comprehensive coverage. That should cover you up to the Actual Cash Value (ACV) of your vehicle. If your car is damaged due to a break-in, you'll also be covered.

Does full coverage cover total loss?

Comprehensive coverage and collision coverage help pay to replace a totaled vehicle. These two separate coverages are typically required on your car insurance policy if you're leasing or financing your vehicle. If your car is paid off, they're optional.

How much does full coverage cover?

A full-coverage policy will cover damage you cause to other cars and other people's injuries. It also pays to repair your car if you cause an accident or it's damaged by weather, theft or other events. The policy might also include personal injury protection or uninsured motorist coverage.

Does full coverage cover car repairs?

Yes, auto insurance companies include particular non-accident repairs for a comprehensive car insurance policy.

At what age is car insurance cheapest?

Experienced drivers are less likely to have accident claims, which means they cost less to insure. At Progressive, the average premium per driver tends to decrease significantly from 19-34 and then stabilize or decrease slightly from 34-75. At age 75, the average premium begins trending upward.

Who is the #1 insurance company in the USA?

State Farm is the largest auto insurance company in the U.S. based on written premium, or the total amount it bills customers. Progressive is the second-largest car insurance company, followed by Geico and Allstate.

Who is cheaper, GEICO or Progressive?

GEICO is cheaper and has better ratings than Progressive. Your experience with GEICO and Progressive will vary based on individual rating factors.

Does credit score affect car insurance?

How credit-based insurance scores work. Most U.S. insurance companies use credit-based insurance scores along with your driving history, claims history and many other factors to establish eligibility for payment plans and to help determine insurance rates. Again, except in California, Hawaii, and Massachusetts.

How can I lower my full coverage car insurance?

If you're wondering how to get a lower car insurance rate, use these methods for lowering your premium:
  1. Qualify for insurance discounts. ...
  2. Increase your deductible. ...
  3. Reduce your coverage. ...
  4. Compare rates. ...
  5. Try usage-based insurance. ...
  6. Take a defensive driving course. ...
  7. Get a car that's cheaper to insure.

Does full coverage really cover everything?

No single policy delivers 100% coverage. There are options for better protection. Voice Over: There's no single policy where you're 100 percent covered in all situations, but there are coverage options that may help you get better protection for you and your vehicle.