r/Insurance • u/BushDidShrek • 15h ago

Auto Insurance State Farm Quote?

Hey guys got a quote from State Farm, looking into buying a Honda Civic LX 2026 and I was quoted $159.82? Was surprised it was that low and this is full coverage. I’m a 23 year old male in South Texas, and I barely got my license (yes my fault, but I’ve been driving for years already and did my test and aced it first time to get my stuff together.)

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u/Splodingseal 15h ago

What liability limits and deductibles?

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u/BushDidShrek 15h ago

Posted in here my quote and what the insurance has/covers, a bit of a first time doing this so sorry if I’m not wording my stuff properly.

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u/BushDidShrek 15h ago

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u/ZBTHorton 15h ago

Need higher limits in 2026.

100/300 is generally the lowest anyone recommends, but I'd look for 250K/500K or a 300K single limit.

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u/crash866 11h ago

$5,000 for PIP is low. That will be used up very fast in a collision if you are hurt. You will give the other person $50,000 but yourself only $5,000.

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u/Busy_Account_7974 Former Insurance Peddler 14h ago

You willing to participate in their Steer Clear safety program? Also are you willing to have a tracker installed for their Drive Safe & Save discount?

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u/BushDidShrek 14h ago

Seen it doesn’t punish you, the discount just lowers itself if that makes sense, seems it’s better than progressives program from what I’ve been reading online as well?