The condition of state quarters directly affects its worth, so keep that in mind when adding to your collection. A coin in fine condition is usually worth much more than a coin with scratches or marks. You must realize that more than age goes into determining the worth of a given coin. The age and scarcity of coins of course affects their value to collectors, but did you know that there are other factors that play a part in assigning value to a given coin?. Coins can be valued by many factors, the most important of which is, of course demand.