What Does State Farm Full Coverage Cover? Costs, Exclusions, and Discounts

State Farm full coverage is not a single product but a common shorthand for a policy that combines three things: liability insurance, collision coverage, and comprehensive coverage. Together they pay for injuries and damage you cause to others, repairs to your own car after a crash, and most non-crash damage like theft, hail, or hitting a deer. They do not cover everything, which is where the term misleads people.¹

The Three Coverages Inside Full Coverage

Liability

Liability pays for other people when you cause an accident. State Farm splits it into bodily injury liability, which covers medical bills, lost wages, and funeral costs for people you hurt, and property damage liability, which covers repairs to vehicles or structures you damage.²

Limits are written as three numbers, like 100/300/100: $100,000 per person for bodily injury, $300,000 total per accident for bodily injury, and $100,000 for property damage. Every state requires liability, but State Farm cautions that state minimums may not be enough in a serious crash.³

Liability does not pay for your own injuries or your own car. That is why the other two coverages matter.

Collision

Collision pays to repair or replace your vehicle after a crash, regardless of fault. It covers hitting another car, hitting an object like a guardrail or utility pole, rollovers, and hit-and-run damage to a parked vehicle.⁴

It does not cover theft, vandalism, weather, fire, or hitting an animal, and it does not pay for anyone else’s injuries or property.⁵

Comprehensive

Comprehensive handles most of what collision excludes: theft, vandalism, hail, flooding, fire, falling objects such as tree branches, animal strikes, windshield damage, and damage from civil unrest.⁶

One gap that surprises people: personal belongings stolen out of your car are not covered by comprehensive. Those claims fall under a homeowners or renters policy.⁷

How Claims Actually Pay Out

Both collision and comprehensive carry a deductible, the amount you pay before coverage kicks in. Comprehensive can sometimes be bought with no deductible. A higher deductible lowers your premium; a lower one raises it.⁸

If repairs cost $3,000 and your deductible is $500, you pay $500 and State Farm pays the remaining $2,500.⁹

When a vehicle is totaled, State Farm pays its actual cash value, which is the market worth at the time of the loss minus depreciation, calculated from the car’s age, condition, equipment, and mileage, less your deductible. On an older car that has depreciated heavily, the check can be well below what you paid or what you still owe on the loan.¹⁰

What Full Coverage Does Not Include

These protections are not part of the standard liability-plus-collision-plus-comprehensive bundle. State Farm sells each as a separate add-on.¹

Uninsured and underinsured motorist coverage (UM/UIM) pays your medical expenses, lost wages, and pain and suffering when the at-fault driver has no insurance or not enough. Some states require it; others require only that insurers offer it. State Farm recommends matching UM/UIM limits to your bodily injury liability limits.¹¹
Medical payments (Med Pay) or personal injury protection (PIP) covers medical and related costs for you and your passengers after an accident, regardless of fault. Med Pay focuses on medical and funeral costs; PIP typically adds lost wages and essential services like childcare. Which one you can buy, and whether it’s mandatory, depends on the state. Florida, for example, requires PIP with a $10,000 minimum.¹²¹³
Rental reimbursement pays for a rental car, rideshare, or bus fare while your car is being repaired after a covered loss, up to a per-day and per-loss limit. An example plan might cap it at $30 per day and $900 per incident.¹⁴
Emergency road service, shown as Coverage H on State Farm ID cards, covers towing to the nearest repair facility, delivery of gas or a battery (delivery only, not the items themselves), up to one hour of locksmith service, and up to one hour of mechanical labor at the roadside.¹⁵
Gap coverage, which pays the difference when a totaled car is worth less than the loan balance, is not sold by State Farm in the traditional sense. The company offers Payoff Protector, but only on vehicle loans originated through State Farm Bank.¹⁶
New car replacement coverage is not offered by State Farm. Drivers who want it have to look to another insurer.¹⁷

Situations No Coverage Will Pay For

Even if you stack every available add-on, the policy booklet excludes a set of situations entirely.¹⁸

Bodily injury or property damage you cause intentionally.
Speed, hill-climbing, or jumping contests, or driving on tracks designed primarily for racing.
Rideshare, peer-to-peer car-sharing, or any for-hire use under a standard personal policy. State Farm sells a separate rideshare endorsement that extends personal coverage while a driver is logged into a service like Uber or Lyft, typically adding 15 to 20 percent to the premium.¹⁹
Vehicles rented or leased to others, including peer-to-peer car-sharing.
Damage to property you own, rent, or are transporting, with narrow exceptions for a rented residence or private garage.
Punitive damages and criminal restitution.
Mechanical breakdowns and routine maintenance. The policy is not a warranty.

Exclusion wording varies by state and by endorsement, so your own booklet may read slightly differently.²⁰

When You Need Full Coverage and When You Can Drop It

If you finance or lease a car, the lender or lessor almost always requires collision and comprehensive on top of your state’s minimum liability. That is the usual reason someone ends up with full coverage in the first place.³

Once you own the car outright, keeping collision and comprehensive becomes a math problem. State Farm suggests weighing the car’s current market value against the premium and deductible: if a total-loss payout would be small, dropping those coverages can make sense.⁹

What Full Coverage Costs

State Farm tends to price below the national average. One analysis put the company’s average full coverage premium at about $169 per month, another at about $162 per month, both for a good-driver profile.²¹²² Minimum liability-only coverage averages $53 to $54 per month, so adding collision and comprehensive roughly triples the bill.

Your own price depends on state, driving record, credit, vehicle, and the limits and deductibles you choose. Averages vary sharply by state: around $198 per month in Texas, around $455 in New York.

Discounts That Lower the Cost

Stacking several State Farm discounts can meaningfully offset full coverage premiums. Availability and amounts vary by state.²³

Drive Safe and Save, a telematics program run through the State Farm mobile app, starts with a 10 percent enrollment discount and can reach up to 30 percent based on mileage and habits like braking, acceleration, and phone use. It is not available in California, Massachusetts, or Rhode Island.²⁴
Bundling auto with a homeowners, renters, condo, or life policy through State Farm.
Good student discount of up to 25 percent for full-time students under 25 with a 3.0 GPA, a top-20-percent class rank, or Dean’s List standing.
Good driver discount for three or more years without a moving violation or at-fault accident.
Vehicle safety features, including airbags, anti-lock brakes, and anti-theft devices. The passive restraint discount alone can reach up to 40 percent off medical-related coverage.
Multi-car, paid-in-full, and low-mileage discounts for insuring more than one vehicle, paying the premium upfront, or driving fewer miles than average.²⁵

1
State Farm. What Is Full Coverage Auto Insurance
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State Farm. What Is Liability Insurance Coverage
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State Farm. How Much Car Insurance Do I Need
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State Farm. What Is Collision Coverage
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State Farm. Collision Coverage
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State Farm. Comprehensive Coverage
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State Farm. Understanding Comprehensive Insurance
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State Farm. Car Insurance Deductibles and Coverages Choosing Well
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State Farm. Do I Need Collision Insurance
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State Farm. Total Loss
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State Farm. What Is Uninsured and Underinsured Motorist Coverage
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State Farm. What Is Medical Payments Coverage
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Florida DHSMV. Florida Insurance Requirements
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State Farm. Rental Reimbursement Coverage
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State Farm. Get Roadside Assistance
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State Farm. Payoff Protector
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AutoInsurance.com. Best New Car Replacement Insurance
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State Farm. Personal Car Policy Booklet (Form 9835C)
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State Farm. Rideshare Coverage
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Oklahoma Insurance Department. State Farm Personal Car Policy Booklet (Form 9836C)
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AutoInsurance.com. State Farm Car Insurance
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AutoInsurance.com. Best Liability Car Insurance
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State Farm. Auto Insurance Discounts
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State Farm. Drive Safe and Save
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State Farm. How to Save on Auto Insurance