Does State Farm Offer Liability Insurance?
State Farm’s liability insurance coverage is available in all 50 states. Is it the best liability coverage for you?
Written by R.E. Fulton
Reviewed by Kathleen Flear
Table of Contents
- Does State Farm offer liability insurance?
- Do you need more than liability insurance?
- Cost of State Farm liability insurance
- The bottom line
- FAQs
Load full table of contents
State Farm offers liability insurance for drivers, homeowners, and business owners, along with personal liability umbrella policies. For car owners, the cost of liability auto insurance from State Farm is between $38 and $77 per month on average.
Liability insurance
, which covers costs for other drivers if you’re at fault in an accident, is the bedrock of all car insurance
. Here’s how State Farm’s offerings compare to other providers and how to lower your auto insurance rates quickly.Does State Farm offer liability insurance?
Yes, State Farm offers liability insurance, including
personal liability umbrella insurance
, small business liability insurance, professional liability insurance, and liability home insurance
. But we’ll be focusing on State Farm’s auto insurance liability coverage, which comes in two categories:- Bodily injury liability insurance:Bodily injury (BI) coveragepays for medical expenses caused by an accident you were responsible for. It covers hospital bills, pain and suffering costs, and even lost wages for other drivers and can help you avoid a personal injury lawsuit.
- Property damage liability insurance:Property damage (PD) coveragepays for damage to another person’s property. Typically, this covers vehicle repairs for other drivers, but it could also pay to repair a building or replace a hedge you destroyed. It will also cover court costs if you’re sued.
If you’re a current State Farm policyholder, you can check your policy provisions for any exclusions, or speak to a State Farm agent.
Most states require all drivers to carry both types of liability insurance, with a few exceptions.
Florida drivers
are only legally obligated to purchase PD liability insurance, and drivers in New Hampshire
and Virginia
that meet certain requirements aren’t required to purchase any liability insurance. If your state requires liability insurance, your State Farm auto insurance policy needs to meet at least the minimum liability coverage limit.RECOMMENDED
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Do you need more than liability insurance?
It depends on where you live and your personal financial situation. If you live in a state, like
California
or Texas
, that only requires drivers to carry liability insurance, you can purchase a liability-only policy through State Farm. But some states require other coverage options, such as uninsured/underinsured motorist coverage
, medical payments coverage
, or personal injury protection (PIP)
.You might need to purchase additional auto insurance coverage if:
- You live in a state with extra insurance requirements. Check your state’s minimum insurance requirementshere.
- You’re leasing or financing your car. Most lenders require drivers to carrycollision coverageandcomprehensive coveragefor the duration of their lease or loan term. This combination is often called full-coverage insurance.
- You have unique risk factors. Working for a rideshare company, living in a high-crime area, or owning a luxury car are just a few risk factors that might require a higher amount of coverage.
- You or your frequent passengers don’t have health insurance. Coverages like MedPay and PIP take care of medical payments for you and your passengers that result from a car accident. If you have an exceedingly high health insurance deductible or no health insurance at all, this is an affordable way to have medical coverage when you might need it the most.
Cost of State Farm liability insurance
In general, State Farm customers pay between $456 and $919 per year for liability coverage.
Why the big range? The cost of liability insurance from State Farm depends on a number of factors: how much coverage you select, your state’s other minimum insurance requirements, and risk factors associated with your driver profile. Your age,
gender
, location, credit score
, vehicle type, and driving record can all affect your premiums.The table below compares the cost of minimum coverage—i.e. liability insurance and any other coverage required by your state—from State Farm vs. other major insurance companies.
Insurance company | Average annual cost of minimum coverage | Average monthly cost of minimum coverage |
|---|---|---|
Allstate | $558 | $47 |
GEICO | $365 | $30 |
Nationwide | $549 | $46 |
Progressive | $542 | $45 |
State Farm | $456 | $38 |
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To find out how much you need to pay for liability insurance, compare insurance quotes from at least three different companies. Comparing quotes can help you find the best provider and lower your car insurance rates.
The bottom line
State Farm is a good option for liability insurance, whether you’re looking for a basic liability-only policy for your car or other insurance products for business owners, renters, and homeowners. For more information, check out our complete
State Farm insurance review
.However, it’s always a good idea to
compare quotes
before purchasing car insurance coverage. If you have violations on your record or live in an area with a lot of uninsured motorists, you may find a lower rate from another company."Just for state minimum liability, I was getting quotes from $70 to over $100/month until I foundJerry. Now my car insurance is under $30/month, or $140 for 6 months. Thank you, Jerry!” —Frank S.
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FAQs
What is the difference between liability and full coverage insurance?
Liability insurance is the most basic coverage required by law in most states. It pays for medical bills or vehicle repairs for other drivers if you’re at fault in an accident. Full coverage, on the other hand, covers repairs for your own vehicle and isn’t required by law anywhere.
Is liability insurance required by law?
Yes. Every state except New Hampshire and Virginia requires drivers to purchase a minimum amount of liability insurance, which varies by state. However, it’s available for drivers in all states.
Does liability insurance have a deductible?
No, liability car insurance doesn’t come with a deductible. You’ll only need to pay a deductible on collision and comprehensive claims if you have full-coverage insurance.
Does State Farm provide proof of insurance?
Yes. You’ll receive a State Farm insurance ID card in the mail. You can also access your ID card at any time through the mobile app or your online account.
