Founded in 1922, State Farm is the largest auto insurance provider in the country. Its low rates, track record for customer satisfaction, and easy claims process make it a good choice for Milwaukeeans who want to purchase full coverage. The company also has strong ratings for customer satisfaction and financial strength.
Full Coverage at Good Rates
With an average annual rate of $1,380 ($115 monthly) for full coverage in Milwaukee, State Farm is one of the most affordable, most widely available providers in the city.
State Farm offers the following coverages:
- Bodily injury and property damage liability
- Collision and comprehensive
- Rental reimbursement and travel expenses
- Uninsured/underinsured motorist
- Medical payments
- Emergency roadside assistance
- Rideshare protection
- Classic car
A larger population translates into higher rates of accidents and theft; in fact, the Wisconsin Department of Transportation reports that more crashes occur in Milwaukee County than anywhere else in the state.6 That’s why, depending on your financial situation and the value of your car, purchasing full coverage is usually a wise move. In the event of an accident, it covers not only the other party’s losses, but also injuries and damages to you, your passengers, and your vehicle. (Unlike full coverage, liability pays for the other party’s losses only.)
Range of Discounts
One of the best ways to lower your auto insurance premium is to apply discounts. State Farm offers the following discounts to customers in Wisconsin, including MIlwaukee:
|How to qualify
|Insure your car with State Farm for three years without an at-fault accident.
|Drive Safe & Save
|Track your driving with a beacon in your car. Save 5% for enrolling and up to 30% at your next policy renewal.
|Maintain a record free of at-fault accidents and moving violations for three years.
|For drivers who are under age 25 and are full-time students, maintain a 3.0 GPA (B average). Drivers who have earned an associate’s or bachelor’s degree may also be eligible.
|Insure two or more vehicles in the same household on the same policy.
|Buy a home, renters, condo, life, or health policy from State Farm in addition to auto insurance.
|For 1993 and older vehicles, ensure the vehicle has a factory-installed air bag or other passive restraint system that meets federal safety standards.
|For drivers under age 25:
- Maintain a record free of at-fault accidents and moving violations for the past three years.
- Complete State Farm’s Steer Clear driver education program (includes watching instructional videos and tracking driving experiences).
|Student away at school
|For drivers under age 25:
- Attend and live at school at least 100 miles from home.
- Drive the car only while home during school vacation or holidays.
- Keep the car at home while attending school.
|For 1994 and newer vehicles, you can get a discount based on the vehicle’s safety ratings.
RV and Boat Insurance
For those times you need to get out of the city and spend a little time in nature, Wisconsin’s State Park system is home to over 6,000 campsites.7 State Farm offers coverage for RVs, boats, and more so you can enjoy your leisure with peace of mind.
State Farm sells insurance for recreational vehicles, such as travel/camper trailers, offering protection in case of fire, storms, theft, collision, and other risks. This includes the following:
- Bodily injury to you or someone else caused while towing your trailer (extended from towing vehicle liability coverage)
- Damage to your trailer sustains in an accident
- Theft, fire, vandalism, and other covered losses, even if you’re storing your trailer
- Emergency roadside service in the event of a breakdown
- Option to add personal articles policy to protect items such as cameras, bicycles, fishing equipment, golf clubs, and jewelry in your trailer
For those who enjoy taking their recreation onto waters like Lake Michigan, State Farm insures the following types of boats:
- Runabouts/sport boats
- Bass/fishing boats
- Jet skis
Purchasing this coverage will protect your boat from potential damage and loss due to common risks like sinking, fire, storms, theft, and collisions. Typically, the coverage includes the boat hull, its motor(s), specified boat equipment, and the trailer if you specifically request it.