State
A direct insurer selling car insurance online and by phone, with three levels of cover.
Last checked against State's own pages and wording on 2026-09-16
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What cover does State sell?
All 3 levels: third party only, third party fire and theft, comprehensive. That is quoted from State’s own page, read 2026-09-16. What each level pays for is the same three-way split everywhere; the limits and exclusions are set by the wording.
“Comprehensive / Third Party, Fire & Theft / Third Party Only” — State, Car Insurance, read 2026-09-16
What does State’s policy wording say?
It publishes something we could read on 7 of the 9 points below: agreed or market value, standard excess, under-25 or inexperienced driver, windscreen and glass, hire car after a claim, roadside assistance, underwriter. Each is quoted from its own page or policy document with the date. On the rest the figure is on your own schedule, and you have to ask.
Agreed or market value
Either — the policy schedule states which; agreed value is available on comprehensive
“And with Comprehensive car insurance, choose an agreed value policy to get paid out what you insured your car for if it's written off or stolen.” — State, Car Insurance, read 2026-09-16
Standard excess
$300 standard excess, including for drivers under 25, on new policies quoted on or after 17 May 2026
“Standard car excess refers to a publicly available default vehicle excess that direct insurers use to provide an initial quote… The lowered excesses apply to new State car policies quoted on or after 17 May 2026.” — State, Car Insurance, read 2026-09-16
Under-25 or inexperienced driver
The same $300 standard excess applies to drivers under 25
“With State, drivers under 25 get the same great cover and the same low $300 excess on car policies.” — State, Car Insurance, read 2026-09-16
Windscreen and glass
Excess-free glass cover is an optional benefit on all three levels
“Excess-free glass cover for windscreens and windows” — State, Car Insurance, read 2026-09-16
Who can drive it
Not checked yet — this insurer publishes no figure we could read
Hire car after a claim
Up to 21 days of a hire car or alternative transport while yours is being fixed
“Hire car or alternative transport, like taxis, while yours is being fixed (up to 21 days)” — State, Car Insurance, read 2026-09-16
Roadside assistance
Optional, $39 a year for five callouts a year for anyone driving your car
“Add State Roadside Rescue for just $39 a year. Get five callouts a year for anyone driving your car.” — State, Car Insurance, read 2026-09-16
Dispute resolution scheme
Not checked yet — this insurer publishes no figure we could read
Underwriter
IAG New Zealand Limited
“'We', 'us' and 'our' mean IAG New Zealand Limited.” — State, Car Insurance Policy Wording (PDF), SI6737/5, issued November 2024, read 2026-09-16
Is this a review of State?
No. There is no rating, no score and no verdict here, and nothing on this page says whether State suits you — nobody here has looked at your situation, and an opinion about which policy a particular person should buy is financial advice. It is a record of what the insurer publishes.
Every list of insurers on this site is in alphabetical order by name. Nothing is ordered by whether an insurer pays us, and no insurer can pay to change its position, its facts or whether it appears at all.
Spotted something out of date? Tell us and we’ll fix it or mark it unchecked. We aim to do that within 5 working days.
Sources
Read on 2026-09-16. If a source and this page disagree, the source is right.