State Farm Auto Insurance In California

State Farm offers auto insurance in California with a range of coverage options, including comprehensive, collision, liability, medical payments, and uninsured or underinsured motorist. The company provides insurance for various vehicles, such as delivery vans, trucks, and speed boats. State Farm also offers discounts for California residents, such as the Good Driver Discount and the Good Student Discount. The company collects personal information, including name, address, and driver's license number, for business, marketing, and commercial purposes.

Discounts available in California

State Farm offers a range of auto insurance discounts in California. These discounts are designed to help customers save money on their car insurance premiums. Here is a detailed list of some of the discounts available:

California Good Driver Discount:

All operators of your vehicle must meet the "good driver" criteria as defined by California law. This typically includes having a clean driving record, with no more than one violation point or at-fault accident, and no DUIs within the last 10 years.

Good Student Discount:

Full-time students in high school or college with a scholastic ranking in the upper 20% of their class, a B grade average or higher, or a GPA of 3.0 or above are eligible for this discount. Students who made the Dean's List or Honor Roll may also qualify. Home-study students can submit evidence of their performance on national standardized tests to be eligible.

Inexperienced Driver Safety Education Discount:

Drivers with less than nine years of driving experience who complete a State Farm Safety Education course, which includes an exam and a video, may be eligible for this discount.

Mature Driver Improvement Course Discount:

Drivers aged 55 or above who voluntarily complete a mature driver improvement course approved by the Department of Motor Vehicles may be eligible for this discount. A certificate of completion must be presented to State Farm.

Multiple Automobiles Discount:

If you have two or more private passenger automobiles in the same household insured with State Farm, you may be eligible for this discount. The vehicles must be primarily driven by residents of the same address, and the owners must be related by marriage, blood, or adoption, or jointly own the vehicles and be named insureds on the policies.

Multi-Policy Discount:

You can save money by bundling your auto insurance with other types of insurance policies, such as home, renters, condo, or life insurance. State Farm offers a Multi-Policy Discount when you combine two or more policies.

Student Away at School Discount:

This discount applies to vehicles where all assigned drivers have less than nine years of driving experience and the student resides at school more than 100 miles from home. The vehicle must be kept at home while the student is away at school and only driven during school vacations or holidays.

Vehicle Safety Discount:

Private passenger vehicles from the model year 1994 or newer may be eligible for a discount based on the loss experience of the make and model of the insured vehicle.

In addition to these discounts, State Farm also offers a range of other discounts for specific situations, such as loyalty discounts, multiple line discounts, and discounts for safety features installed in your vehicle. The availability of discounts may vary, so it is always best to contact a State Farm agent to discuss your specific situation and determine which discounts you may qualify for.

Coverage options

State Farm offers a range of coverage options for auto insurance in California. The specific coverage chosen depends on the customer's budget and the vehicle being insured.

State Farm offers comprehensive coverage, which helps pay for repairs or replacement of a vehicle damaged by something other than a collision, including theft, fire, vandalism, or hitting an animal. Collision coverage is also available, which covers the cost of repairing or replacing a vehicle that overturns or collides with another vehicle or object. Liability coverage is included, which pays for the other party's medical expenses, vehicle repairs, and property damage if the customer is responsible for an accident.

Uninsured and underinsured motorist coverage is also offered, which helps pay for medical expenses, pain and suffering, and lost wages if the customer is injured in an accident caused by an uninsured or underinsured driver. Medical payments coverage is available to help pay for medical and funeral expenses if an insured person is injured or killed in an accident.

State Farm also provides emergency road service coverage, rental car reimbursement coverage, and travel expense coverage. Customers can also add rideshare driver coverage for those who drive for companies like Uber or Lyft.

Other coverage options include insurance for teen drivers, rental cars, sports cars, electric or hybrid vehicles, and more.

California's minimum insurance requirements

California has some of the lowest minimum insurance requirements in the country. California drivers must carry evidence of insurance in their vehicle at all times and provide it when:

• Requested by law enforcement
• Renewing the vehicle registration
• The vehicle is involved in a traffic collision

The minimum liability insurance requirements in California are:

• Bodily injury liability coverage: $15,000 per person and $30,000 per accident
• Property damage liability coverage: $5,000 per accident

Liability insurance compensates a person other than the policyholder for personal injury or property damage. It does not cover damage to the policyholder's vehicle or their own medical bills.

If you cannot afford liability insurance, you may be eligible for the California Low-Cost Automobile Insurance Program.

Electric vehicle insurance

Electric vehicles (EVs) are typically more expensive to insure than their gas-powered counterparts. This is due to a variety of factors, including the higher cost of repairing or replacing electric parts, the high cost of replacing EV batteries, and the need for specialized training to repair EVs.

However, it's worth noting that insurance rates for EVs have dropped significantly in recent years, especially for established carmakers. When insuring an EV, it's important to shop around and compare quotes from multiple insurance companies, as rates can vary significantly. Some insurance companies offer discounts for EV owners, such as "alternative fuel" or "green car" discounts. Additionally, EVs may qualify for tax credits, and charging an EV is typically much cheaper than filling up a gas tank, resulting in significant fuel cost savings over the vehicle's lifetime.

When it comes to specific insurance providers, State Farm is known to be one of the more affordable options for insuring EVs, with rates that are 40% lower than the average across all insurers. Tesla also operates its own insurance program, Tesla Insurance, which is often more affordable for insuring Teslas. KOBA, an Australian insurance company, offers EV insurance specifically for Teslas, with plans to expand to other EV brands in the future. Their insurance includes features such as EV-certified repairers, charging equipment cover, a stolen car locator, and discounts for lower kilometres.

Overall, while EVs may have higher insurance costs, there are ways to mitigate these costs through discounts, tax credits, and fuel savings.

Personalised quotes

State Farm offers auto insurance in California with a range of coverage options, including comprehensive, collision, liability, medical payments, and uninsured or underinsured motorist. The company also provides insurance for various vehicles, such as delivery vans and speed boats.

State Farm's Personal Price Plan® allows customers to customise their coverage and protect what's important to them and their families. The company offers a variety of discounts to help customers save money on their auto insurance, including:

• California Good Driver Discount: For "good drivers" as defined by California law.
• Good Student Discount: For full-time students meeting certain scholastic criteria.
• Inexperienced Driver Safety Education Discount: For drivers with less than nine years of experience who complete a State Farm Safety Education course.
• Multiple Automobiles Discount: For customers with two or more insured private passenger automobiles in the same household.
• Multiple Line Discount: For customers with a qualifying State Farm home, renters, condo, life, or health policy.
• Student Away at School Discount: For students who reside at school more than 100 miles from home and only drive the insured vehicle during school vacations.
• Vehicle Safety Discount: For 1994 and newer model-year private passenger vehicles, based on the loss experience of the make and model.

State Farm also offers other types of insurance, such as home and property insurance, life insurance, health insurance, and small business insurance.

To obtain a personalised quote for auto insurance in California, individuals will need to provide some personal and vehicle information, including:

• Year, make, model, body style, or Vehicle Information Number (VIN) of the car.
• Name of the registered owner.
• Prior insurance carrier and expiration date.
• Driver information, including name(s), date of birth, driver's license number(s), and state of issue.
• Ticket and accident history, including any license suspension information.

Frequently asked questions