Full-coverage car insurance with State Farm does not have one fixed price. The cost changes based on your age, location, driving record, vehicle type, and the level of coverage you choose. But you can still get a clear idea of what most drivers pay.
Average Cost of Full Coverage With State Farm
On average, State Farm full-coverage car insurance costs $1,450–$1,900 per year.
This breaks down to about $120–$160 per month for many drivers.
State Farm is often cheaper than the national average, which is around $2,000 per year for full coverage.
Why Costs Go Up or Down
State Farm checks many things before giving a final price. Here are the main factors:
1. Your Age
Young drivers pay more.
A 20-year-old may pay over $2,500 per year, while a 40-year-old may pay $1,400–$1,600 per year.
2. Your Driving Record
Clean record = low price.
Accidents, tickets, or DUIs can raise the rate by 20–80%.
3. Your Location
Your state, city, and even ZIP code matter.
Busy cities and areas with high claims cost more.
4. Your Car Model
New cars, sports cars, and luxury cars cost more to insure.
Older and safer cars cost less.
5. Coverage Level
Full coverage includes:
- Liability
- Collision
- Comprehensive
Higher limits and lower deductibles increase the price.
6. Discounts You Get
State Farm gives many discounts, including:
- Safe driver
- Good student
- Multi-car
- Multi-policy
- Telematics (Drive Safe & Save)
Using discounts can reduce your price by 10–30%.
Real-World Examples
Here are simple sample estimates:
| Driver Type | Estimated Yearly Price |
|---|---|
| Safe 35-year-old driver | $1,400–$1,600 |
| Young driver (20 years old) | $2,200–$3,000 |
| Driver with one accident | $1,900–$2,400 |
| Driver with multiple cars | $1,200–$1,500 after discounts |
Is State Farm Full Coverage Worth It?
Many drivers choose State Farm because it offers:
- Lower average rates
- Strong customer service
- Fast claims
- Big discount options
- A trusted brand
If you want reliable protection and stable pricing, State Farm is one of the best choices.
How to Get the Exact Price
You can get a real quote in minutes by:
- Visiting the State Farm website
- Calling a State Farm agent
- Using the “Drive Safe & Save” app for extra savings
Quotes are free and do not affect your credit score.
Final Answer
Full-coverage car insurance with State Farm usually costs $120–$160 per month for most drivers. Your exact price may be lower or higher depending on your profile, but State Farm often offers some of the most affordable full-coverage rates in the market.