How much does car insurance REALLY help with paying?

So the basics - I was involved in hit and run this morning and my car is TOTALED. Getting a rental in the meantime, but I'm anxious about the process of finding another car.

I know there's always going to be variances due to coverage and insurance provider but I was at least hoping to get a general idea so I can kind of know what to expect. I know I'm not going to walk into a BMW dealership and get the latest 2026 model but how does the insurance help?

The car that I lost was a 2013 with a little over 150K miles if that matters, insured by state farm.