America’s #1 Car Insurance!

State Farm^® has been in the business of providing excellent automobile insurance coverage at an affordable price since 1922. Responding to our customers’ needs keeps us the leader in auto insurance.

In most states, if you want to drive your own vehicle, you must be insured.

Car insurance is designed to help financially cover potential auto-related damages, loss or injuries. It helps protect you, your passengers, your fellow drivers, pedestrians, other people’s property and your car. It can also help protect you in the event of an automobile-related lawsuit.

1. How high should my liability coverage limits be?

No one can predict exactly how much you would have to pay if you were to cause an accident.

Ask yourself how you would pay for any damages exceeding your coverage limits.

The higher your liability coverage limits are, the more likely your policy will be able to pay all of the damages.

2. How high or low should my collision and comprehensive deductibles be?

Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs.

Ask yourself how much you would be willing and able to pay on short notice in order to save on your premium.

3. Should I carry collision and comprehensive coverage?

You may be required to carry collision or comprehensive coverage if your vehicle is leased or financed.

Once you have paid off your car, and its value decreases, you might consider dropping these coverages to save money on premiums.

Consider, though, whether the savings would be enough to offset the risk of having to pay the entire cost of repairing or replacing the vehicle.