Does State Farm offer liability car insurance?

Liability insurance covers the other driver’s injuries and property damage in accidents that you cause. Bodily injury liability insurance covers the other driver’s medical expenses, while property damage liability insurance covers their vehicle and other objects damaged in the crash, like their home or fence.

What Liability Car Insurance Covers

• Other people’s medical expenses after accidents caused by the policyholder
• Damage to other people’s property caused by the policyholder
• Legal fees if the policyholder is sued after causing an accident

What Liability Car Insurance Does Not Cover

• The policyholder’s accident-related medical expenses
• Damage to the policyholder’s vehicle or property
• Lost wages, childcare, or other peripheral costs for the policyholder

Almost every state requires drivers to have liability insurance. Regardless of how much liability coverage the state requires, you should always purchase as much as you can comfortably afford to protect your finances and other drivers.

What Other Types of Liability Insurance Cover

There are several other types of liability insurance, including homeowners liability insurance, business liability coverage, and personal liability insurance. They all work in a similar manner to auto liability insurance: protecting the policyholder financially in incidents they are at fault for and offering assistance with legal costs if they are sued because of such incidents.

To learn more, check out WalletHub’s guide to liability insurance.

State Farm car insurance costs an average of $1,032 per year ($86 per month) for a minimum-coverage policy, which is less than the national average of $720 per year. The exact cost of auto insurance with State Farm depends on factors such as a driver’s history on the road, age, state, and coverage limits. For example, full coverage insurance from State Farm costs an average of $3,514 per year.… read full answer

Average Cost of State Farm Car Insurance by Category

Note: Premiums are based on drivers in California, as it is the most populous state and has average rates compared to the rest of the country. Young drivers are 16-20 years old, and senior drivers are 55-65 years old. Actual rates will vary.

State Farm determines car insurance rates by considering the likelihood of the driver filing a claim in the future. Some drivers, like teens or drivers who recently caused an accident, are considered to be especially high-risk, so they’re charged higher rates than the average policyholder. The good news is that State Farm offers several discounts that drivers can use to save on their rate, including a multi-vehicle and multi-policy discount.

To see how much a State Farm policy will cost you, you can go online or call (800) 782-8332. You can also learn more by checking out WalletHub’s State Farm car insurance review.

Liability car insurance costs an average of $716 per year nationally. The exact cost of a liability auto insurance policy varies based on several factors, including the state, insurance company, driver’s record, and amount of coverage purchased.

Liability Car Insurance Cost by Company

• Geico: $506 per year
• USAA: $633 per year… read full answer
• Progressive: $649 per year
• Travelers: $691 per year
• Liberty Mutual: $879 per year
• State Farm: $919 per year
• Allstate: $954 per year
• Nationwide: $1,005 per year
• Farmers: $1,073 per year

These sample quotes reflect minimum coverage requirements in California. The best companies should generally stay the same from state to state, though.

On average, liability car insurance costs 51% less per year than full coverage insurance, which usually includes liability along with collision and comprehensive coverage. Liability car insurance only covers expenses incurred by other people in accidents where the policyholder is at fault. Nearly every state requires drivers to carry it, though most states require other types of coverage as well.

Liability Car Insurance Costs by Coverage Level

How much liability car insurance you purchase will be the main factor that influences your premium. Each state has its own coverage requirements, which can vary widely. For example, Alaska requires drivers to purchase $100,000 in bodily injury liability coverage per accident, while Arizona only requires $30,000.