Low Cost Advisor

State Farm Car Insurance Review – Low Cost Advisor


State Farm Car Insurance Rate Comparison for Good Drivers

State Farm has very competitive car insurance rates for good drivers. Only Geico has cheaper national average rates for drivers with a good record, among top competitors we analyzed. Those two insurance companies are an excellent place to start if you have a clean driving record and you’re looking to compare quotes from multiple insurers.

State Farm Car Insurance Rate Comparison for Drivers With a Speeding Ticket

State Farm offers some of the cheapest average car insurance rates for drivers who get a speeding ticket. State Farm’s rates for this type of driver rank second only to Geico among top companies—and that’s only a $28 difference on average.

When getting quotes from insurance companies, make sure you’re getting all the discounts for which you qualify, too, in order to help offset the rate increase for speeding.

State Farm Car Insurance Rate Comparison for Drivers Who Caused an Accident with Injury

State Farm should be at the top of your list if you’re shopping for car insurance and you recently caused an accident that resulted in an injury. Make sure to get quotes from multiple companies, since the insurer that ranks best for national rates may not have the cheapest car insurance in your state.

State Farm Car Insurance Rate Comparison for Drivers With a DUI

A DUI usually leads to much higher insurance rates at renewal time or if you shop for insurance with another company. In our analysis of top companies, State Farm has the cheapest car insurance for drivers with a DUI, easily beating the second lowest (Progressive).

State Farm Car Insurance Rate Comparison for Drivers With Poor Credit

All states except California, Hawaii, Massachusetts and Michigan allow car insurance companies to use a credit history when determining rates. Insurers say that a person’s credit correlates with the chances someone will make an insurance claim in the future. This correlation leads to higher rates.

State Farm has the highest national average annual rates for drivers with poor credit compared top competitors, so you definitely want to get quotes from other insurers if you have poor credit.

State Farm Car Insurance Rate Comparison for Adding a Teen Driver

Adding a teen can cause your car insurance rates to skyrocket. Inexperienced teen drivers are more prone to accidents. That means you’ll likely pay more than $1,000 annually on average if you add a teen to your auto insurance policy.

State Farm has the lowest rate hike among its competitors, but even then you can expect a hefty increase when you add a teen driver to a policy.

State Farm Car Insurance Rate Comparison for Young Drivers Ages 18 to 25

A young driver generally pays more for car insurance coverage than safe drivers with a couple of decades of experience behind the wheel. State Farm has relatively low rates for drivers between the ages of 18 and 25. Only Geico has lower average rates for that age group among large companies.

State Farm Car Insurance Rate Comparison for Senior Drivers Age 65+

Auto insurance rates decrease as you age. People in their 40s and 50s typically enjoy the lowest rates overall, then rates can start to creep up after age 65.

State Farm has relatively good rates for senior drivers, along with Geico.


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