Best State Farm Auto Insurance Discounts in 2024 (Save 50% With These Deals!)
The best State Farm auto insurance discounts are multi-policy, good student, and Drive Safe & Save discounts, with potential savings of up to 25% for multi-policy, 20% for good student, and 50% for Drive Safe & Save discount. Learn how to qualify and save with the various State Farm auto insurance discounts.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Sep 19, 2024
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UPDATED: Sep 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The best State Farm auto insurance discounts are multi-policy, good student, and Drive Safe & Save discounts, with potential savings of up to 25% for multi-policy, 20% for good student, and 50% for Drive Safe & Save discount.
Most drivers pay around $86/mo for State Farm insurance, but you could get even lower rates with State Farm auto insurance discounts. For instance, policyholders who don’t drive a lot could save 5% with State Farm’s low-mileage discount, and new car owners could lower their insurance rates by up to 10%.
Our Top 10 Picks: Best State Farm Auto Insurance Discounts
| Discount | Rank | Savings Potential | Who Qualifies? |
|---|---|---|---|
| Multi-Policy | #1 | 25% | Customers with multiple State Farm policies |
| Good Student | #2 | 20% | Students under 25 with a B average or higher |
| Drive Safe & Save™ | #3 | 30% | Drivers enrolled in telematics monitoring |
| Accident-Free | #4 | 15% | Drivers with no recent accidents |
| Defensive Driving | #5 | 10% | Drivers completing a defensive driving course |
| Anti-Theft | #6 | 15% | Vehicles with qualified anti-theft devices |
| Vehicle Safety | #7 | 10% | Vehicles with advanced safety features |
| New Car | #8 | 10% | Owners of new vehicles |
| Loyalty | #9 | 10% | Long-term State Farm customers |
| Low Mileage | #10 | 5% | Drivers with low annual mileage |
Before choosing State Farm, compare quotes, coverage options, customer reviews, and discount options. Read ourState Farm auto insurance review to get started.
First, compare savings and see if you qualify for savings with our State Farm discounts list. Then, useour free quote comparison tool above to see how these State Farm deals compare to competitors near you.
- Benefit from up to 20 unique State Farm discount options
- The biggest savings is 50% with State Farm safe driving and low-mileage discounts
- Good credit can also help you save on State Farm insurance
State Farm Auto Insurance Discounts Requirements
Qualifying for State Farm auto insurance discounts is simple if you understand the eligibility criteria and take the necessary steps to meet them. In this section, we’ll guide you on how to qualify for various discounts State Farm offers. Whether it’s maintaining a good driving record, bundling policies, or taking advantage of other savings opportunities, we’ll show you how to maximize your savings on auto insurance with State Farm.
Have Safe Driving Habits
Maintaining safe driving habits is one of the most effective ways to qualify for State Farm auto insurance discounts. State Farm offers auto insurance discounts for good drivers who demonstrate responsible behavior on the road, recognizing that safe drivers are less likely to be involved in accidents and file claims. You can significantly reduce your insurance premiums over time by consistently practicing safe driving.
One of the key discounts available to safe drivers is the State Farm “Drive Safe & Save” program. Using a gadget in your car or a mobile app, this program tracks your driving behaviors. It tracks factors such as speed, braking, and the time of day you drive.
The safer your driving behaviors, the more you can save—potentially up to 50% off your premium. This discount not only incentivizes safe driving but also provides immediate feedback on how you can improve your driving habits.Michelle Robbins Licensed Insurance Agent
The safer your driving behaviors, the more you can save—potentially up to 50% off your premium. This discount not only incentivizes safe driving but also provides immediate feedback on how you can improve your driving habits.
Maintaining a clean driving record can also free you from accidents and traffic violations and can qualify you for other safe driver discounts. State Farm offers discounts to drivers who have been accident-free for a certain period, typically three years or more. The longer you maintain a spotless record, the more you can save.
By adopting safe driving habits, you not only enhance your safety and that of others on the road but also benefit financially through reduced insurance costs. These savings, combined with the peace of mind that comes from knowing you’re driving safely, make it worth the effort to drive responsibly every time you’re behind the wheel.
Installing an Anti-Theft System
Installing an anti-theft system in your vehicle is a smart way to qualify for discounts on your auto insurance with State Farm. Vehicles equipped with anti-theft devices are less likely to be stolen, reducing the insurance company’s risk. As a result, State Farm offers discounts to drivers who take this proactive step to protect their vehicles.
Anti-theft systems can range from basic alarms to more advanced tracking systems. Common types include:>
- Car alarms.
- Steering wheel locks.
- Ignition cut-off devices.
- GPS-based tracking systems.
To take advantage of this discount, check with State Farm to see which types of anti-theft devices qualify for the discount. Once you’ve installed the system, you may need to provide proof, such as a receipt or certification from the installer. State Farm will then apply the discount to your policy, helping to lower your overall insurance premiums.
In addition to the financial benefits, installing an anti-theft system can make you confident, knowing your vehicle is better protected against theft.
This added security reduces the likelihood of losing your car and decreases the potential hassles and costs associated with vehicle theft.
Remember the anti-theft discount the next time you are getting auto insurance and you’re not sure what auto insurance discount to ask for.
Be a Long-Term Customer
Being a long-term customer with State Farm can qualify you for loyalty discounts that reward your continued commitment to the company. State Farm is among the companies that offer the best customer loyalty auto insurance discounts.
State Farm values its long-term customers and offers discounts to show appreciation for their loyalty. The longer you stay with State Farm, the more you can potentially save on your auto insurance premiums.
Loyalty discounts are typically offered to customers who have maintained their policies with State Farm for several years. These discounts can apply to both auto and home insurance policies, making it advantageous to keep all your insurance needs with one provider.
In addition to the financial perks, being a long-term customer often comes with other benefits, such as personalized service, access to exclusive offers, and a deeper understanding of your insurance needs. State Farm agents who have worked with you over time can provide tailored advice and ensure that your coverage remains appropriate as your circumstances change.
To maximize your loyalty discount, it’s important to maintain a good payment history and consistently renew your policy with State Farm. Over time, these discounts can add up, significantly impacting your overall insurance costs.
Be a Student With Good Grades
If you’re a student, maintaining good grades can help you qualify for State Farm’s good student discount, which offers significant savings on your auto insurance premiums.
This discount is available to full-time students who demonstrate academic excellence, typically requiring a GPA of 3.0 or higher (or an equivalent grade, such as a “B” average). State Farm recognizes that students who excel in their studies are likely to be responsible and cautious drivers, which translates to lower risk on the road.
The good student discount can apply to high school, college, or even graduate students if they meet the academic criteria. This discount can provide substantial savings, often up to 20% off your premium. For parents helping pay for their child’s insurance, this discount can significantly ease the financial burden of insuring a young driver.
To qualify for the good student discount, you must provide proof of your academic performance, such as a report card, transcript, or a letter from your school. State Farm may require you to renew this proof periodically to maintain the discount, so it’s important to keep up with your grades throughout the school year.
In addition to saving money, the good student discount also encourages students to stay focused on their academic goals. It rewards students for their hard work and dedication in the classroom, providing an extra incentive to maintain high grades.
Travis Thompson
Licensed Insurance Agent
By being a student with good grades, you not only invest in your education but also benefit from lower auto insurance premiums.
By being a student with good grades, you not only invest in your education but also benefit from lower auto insurance premiums, making this discount a win-win for both your academic and financial well-being. If you’re looking for more companies offering good student discounts, check out our article on the best good student auto insurance discounts.
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Top State Farm Auto Insurance Discounts
State Farm offers several attractive discounts that can help you significantly reduce your auto insurance premiums. Among the top discounts are the multi-policy discount, good student discount, and Drive Safe & Save discount. Each discount caters to different aspects of your insurance needs and driving habits, providing multiple ways to save.
Multi-Policy Discount
The multi-policy discount is one of the most valuable discounts offered by State Farm. It allows you to save up to 25% on auto insurance when you bundle it with other policies, such as home or renters insurance.
State Farm Auto Insurance Vehicle Discount List by Savings Amount
| Discount Name | Savings Potential |
|---|---|
| Adaptive cruise control | 5% |
| Adaptive headlights | 3% |
| Anti-lock brakes | 5% |
| Anti-theft | 15% |
| Daytime running lights | 2% |
| Electronic stability control | 4% |
| Vehicle recovery | 5% |
| VIN etching | 1% |
| Lane departure warning | 6% |
| Newer vehicle | 40% |
| Green vehicle | 10% |
| Forward collision warning | 8% |
When you consolidate your insurance needs with State Farm, you simplify your coverage management and enjoy substantial savings. This discount is ideal for customers who want to save money by bundling auto insurance policies.
Good Student Discount
The good student discount rewards young drivers who maintain high academic performance. If you’re wondering, do auto insurance check grades? Yes, they do. If you’re a full-time student with a GPA of 3.0 or higher, you could qualify for savings of up to 20% on your auto insurance.
This discount recognizes that students who excel in their studies are typically responsible drivers, making it a valuable incentive for maintaining good grades.
Drive Safe & Save Discount
This discount is designed for drivers with safe driving habits. By enrolling in this program, which tracks your driving through a mobile app or a device in your car, you can earn up to 50% savings based on your driving behavior. The safer you drive, the more you save, making this discount an excellent option for those prioritizing safety.
These top discounts from State Farm offer a range of opportunities to save on your auto insurance, whether through bundling policies, academic achievement, or safe driving practices.
Apart from State Farm, other auto insurance companies offer cash back for safe drivers like All State and Progressive. You can check them out if you’re looking for alternatives.
State Farm Auto Insurance Discounts List
While individual rates depend on where you live, age, and driving record, drivers with State Farm, one of the largest auto insurance companies in the U.S., can get cheap State Farm insurance rates if they qualify for certain auto insurance discounts.
So, what discounts does State Farm offer for auto insurance? The table below shows available auto insurance discounts from State Farm.
State Farm Auto Insurance Discount List by Savings Amount
| Discount Name | Savings Potential |
|---|---|
| Adaptive cruise control | 10% |
| Adaptive headlights | 10% |
| Anti-lock brakes | 5% |
| Anti-theft | 15% |
| Electronic stability control | 10% |
| Vehicle recovery | 5% |
| New vehicle | 40% |
| Claim free | 15% |
| Defensive driver | 5% |
| Distant student | 10% |
| Driver's education | 15% |
| Driving device/app | 30% |
| Early signing | 5% |
| Federal employee | 5% |
| Garaging/storing | 5% |
| Good credit | 5% |
| Good student | 25% |
| Homeowner | 3% |
| Low mileage | 30% |
| Married | 5% |
| Military | 5% |
| Military garaging | 5% |
| Multiple policies | 17% |
| Multiple vehicles | 20% |
| New graduate | 5% |
| Newly licensed | 5% |
| On-time payments | 5% |
| Paperless documents | 5% |
| Passive restraint | 5% |
| Roadside assistance | 5% |
| Safe driver | 15% |
| Seat belt use | 5% |
| Senior driver | 5% |
| Young driver | 5% |
While maintaining a clean driving record will help keep your rates low, the best way to lower your State Farm insurance rates is by qualifying for discounts.
State Farm offers over 20 unique savings opportunities for drivers, and these savings can stack. For instance, the Drive Safe & Save program rewards drivers up to 50% off if they exhibit good driving behaviors.Eric Stauffer Licensed Insurance Agent
Does State Farm give an AARP discount? Unfortunately, while there’s no State Farm senior driver discount, you may qualify for the AARP State Farm discount (Learn More: Best Auto Insurance for Seniors).
State Farm Vehicle Discounts
State Farm is one of the many insurance companies that offer auto insurance discounts related to the insured vehicle. For example, if you own multiple vehicles, you can get a multi-car insurance discount from State Farm of up to 20%.
However, the type of car you drive can impact your auto insurance rates since it can affect the cost of claims and your potential risk of getting in an accident. So, it’s important to compare auto insurance rates by vehicle make and model.
What is a vehicle safety discount from State Farm? Check out the table below to see the specific vehicle-based discount options provided through State Farm. If the specific savings amount is available, it is included in the data.
Score a powerful bundle with the State Farm Personal Price Plan®. 💪 pic.twitter.com/Pwk4vxBTbp
— State Farm (@StateFarm) August 24, 2024
If your car has any of the above safety features, check your policy to confirm you’re getting the right State Farm vehicle safety discount, including the State Farm dash cam discount.
The newer and safer your vehicle is, the more discounts you’ll be eligible for. Adding anti-theft devices will also minimize your risk of having your car stolen, which the company rewards you with a State Farm anti-theft discount. Check out our article titled “How to Get an Anti-Theft Auto Insurance Discount” for a simple, expert guide on earning a discount for vehicle safety features.
State Farm Driver Discounts
While there are many possibilities to save money with State Farm through vehicle-related auto insurance discounts, the insurance company does not stop there. It also offers a wide range of discounts associated with you, the driver.
See the driver-based discounts offered through State Farm in the table below. If the specific savings amount is available, it has been included in the data.
State Farm Auto Insurance Driver Discount List by Savings Amount
| Discount Name | Savings Potential |
|---|---|
| Claim Free | 15% |
| Defensive Driver | 5% |
| Distant Student | 10% |
| Driver's Education | 15% |
| Driving Device/App | 50% |
| Early Signing | 5% |
| Federal Employee | 5% |
| Garaging/Storing | 5% |
| Good Credit | 5% |
| Good Student | 25% |
| Homeowner | 3% |
| Low Mileage | 30% |
| Married | 5% |
| Military | 5% |
| Military Garaging | 5% |
| Multiple Policies | 17% |
| Multiple Vehicles | 20% |
| New Graduate | 5% |
| Newly Licensed | 5% |
| Paperless Documents | 5% |
| Passive Restraint | 5% |
| Roadside Assistance | 5% |
| Safe Driver | 15% |
| Seat Belt Use | 5% |
| Senior Driver | 5% |
| Young Driver | 5% |
You can qualify for discounts through State Farm for being a good student, for getting married, and even for being a homeowner (Learn More: How to Get a Married Couple Auto Insurance Discount).
So, does State Farm offer senior discounts? Unfortunately, there’s no State Farm senior citizen discount, but the company is still in the top three best auto insurance companies for seniors for low rates and customer service.
State Farm Good Driver Discounts
To qualify for a good driver discount from State Farm, there are several proactive steps drivers can take. Firstly, young drivers can enroll in the State Farm defensive driving course called Steer Clear and save 15% (Read More: What is the Steer Clear program from State Farm?)
Unfortunately, only seniors and drivers under 25 qualify for the State Farm driving course discount.
Pro Tip: The defensive driver discount can be stacked with a State Farm student discount for bigger savings.
Seniors can complete the AARP driving course. Not only does this enhance your driving skills and awareness, but it also makes you eligible for the State Farm AARP discount upon completion.
However, adhering to safe driving practices every time you get behind the wheel, like obeying traffic laws and speed limits, can help you avoid claims and earn an accident-free discount from State Farm.
Safe drivers who don’t qualify for a defensive driver car insurance discount with State Farm can still reduce their rates with usage-based discounts. Learn more about how to get a good driver auto insurance discount.
State Farm Usage-Based Discounts
State Farm Drive Safe and Save is a usage-based insurance program that tracks drivers’ mileage and driving habits to generate a discount.
Read More: Cheap Usage-Based Auto Insurance
You can either use OnStar or download the State Farm Drive Safe and Save app to sign up. Most drivers can save up to 30% with State Farm usage-based insurance discounts. See how State Farm compares to other usage-based companies below.
Usage-Based Auto Insurance Discounts by Provider & Savings Amount
| Insurance Company | Program Name | Device Type | Sign-up Discount | Savings Potential |
|---|---|---|---|---|
 | AAADrive | Mobile App | 15% | 30% |
 | Drivewise | Mobile App | 10% | 40% |
 | KnowYourDrive | Mobile App or Plug-in | 10% | 20% |
 | DriveEasy | Mobile App | 20% | 25% |
 | RightTrack | Mobile App or Plug-in | 5% | 30% |
 | Mile Auto | Neither | 20% | 40% |
 | SmartRide | Mobile App or Plug-in | 10% | 40% |
 | Snapshot | Mobile App or Plug-in | $25 | 20% |
 | Drive Safe & Save | Mobile App or Plug-in | 5% | 30% |
 | TrueLane | Plug-in | 5% | 25% |
 | IntelliDrive | Mobile App | 10% | 30% |
 | SafePilot | Mobile App | 5% | 20% |
According to reviews of State Farm discounts on Reddit, one user saved around 40% by enrolling it the company’s usage-based program. The Reddit user also reports receiving the State Farm low-mileage discount with 7,500 or fewer miles.
I had State Farm Drive Safe & Save for 6 months. Got 40% discount!
byu/options1337 inInsurance
You can’t turn off State Farm Drive Safe and Save unless you uninstall the app. Get the details in our State Farm Drive Safe and Save review. Fortunately, if you don’t want to use any of the tracking apps, you can still get a State Farm good driving discount and save up to 15% by keeping your driving record clean.
State Farm Affinity Discounts
Membership in exclusive groups or careers can help you save up to 12% on State Farm insurance. Check out our step-by-step overview titled “How to Get a Membership Auto Insurance Discount” for more details.
For instance, even if you can’t find an exclusive State Farm military discount, you can still save money with an affinity discount for your position in the military.
See how to find the best auto insurance for military families and veterans here.
In general, affinity discounts apply to certain careers, fraternities and sororities, or other professional groups. As a medical professional, you may qualify for a State Farm nurse discount, so always ask about what discounts are available when requesting quotes.
Learn More: Best Auto Insurance for Nurses
State Farm Mileage Discounts
Earning a State Farm auto insurance low-mileage discount can significantly reduce your insurance costs. Typically, drivers who travel fewer miles than the average annual mileage are eligible for the low-mileage insurance discount with State Farm. Most drivers are on the road between 12,000 to 15,000 miles per year.
Driving less than 7,500 miles will make you eligible for the State Farm annual mileage discount of 30%.
To maximize your chances of qualifying for a State Farm mileage discount, consider adjusting your driving habits. Carpooling, using public transportation, or combining errands can help reduce your overall mileage. Additionally, if possible, consider walking or biking for shorter trips.
It’s also beneficial to keep track of your mileage regularly. If you’re driving less than 50 miles a day, State Farm will be expensive. Compare rates with the best pay-as-you-go auto insurance companies to get a cheaper price.
State Farm Billing Discounts
Billing discounts are another easy way to lower your auto insurance premiums. You may be pleased to discover that State Farm also offers a small discount to policyholders based on how you set up your bills.
For example, you’ll save $2 just by requesting paperless billing statements. While $2 may not seem like much, it will help add up to a much larger total because auto insurance discounts can be stacked.
Earning an auto-pay insurance discount with State Farm is another excellent way to save money while ensuring your coverage remains uninterrupted so you’re never caught driving without insurance. You can stack your State Farm autopay discount with a State Farm discount for paying in full if you pay your annual rates upfront instead of in monthly installments.Dani Best Licensed Insurance Producer
Does State Farm offer a pay-in-full discount? Yes, since paying your bill in full reduces administrative costs for State Farm, doing so leads to 15% savings with a State Farm pay-in-full auto insurance discount. In addition, when you pay your insurance bill on time, you avoid late fees and potential lapses in coverage, maintaining financial stability and peace of mind.
Read More:
- How to Get an Electronic Automatic Billing Auto Insurance Discount
- Should I pay my auto insurance in full?
State Farm Policy Discounts
Homeowners can exclusively earn a State Farm home and auto discount when buying both insurance policies with the provider. This kind of State Farm multi-line discount applies to renters insurance, too. Check out our guide titled “Does owning a home affect auto insurance rates?” if you’re wondering where to find a State Farm homeowners discounts list.
Learn how to save money by bundling insurance policies to find out how much you can save with a State Farm bundling discount.
If you have a State Farm home or renters policy and also insure multiple vehicles with the company, you can stack the 20% State Farm multi-car discount with your 17% multi-line discount from State Farm for even bigger savings.
State Farm commercial policies are also eligible for multi-policy discounts. So even though you can’t earn a State Farm CDL discount, you can get up to 17% off your rates with a personal and commerical insurance policy. Find the best commercial auto insurance companies here.
Other Ways to Lower State Farm Auto Insurance Rates
Before you shop around and compare auto insurance discounts and rates, it is important to understand why different companies offer different rates.
All insurance companies review the same basic factors to determine your rates but weigh them differently. These factors may include:
- Age & Gender
- Driving History & Past Claims
- Location
- Annual Mileage
- Types of Auto Insurance You Choose
Since insurers all use different methods to calculate rates, compare quotes from various providers to find your cheapest rates. For example, one company may not ding your rate if you had an accident two years ago, but another may increase rates if you had an at-fault accident within five years.
Check out the table below to compare State Farm discounts against other top providers and see which provider offers the best savings for your situation:
State Farm vs. Competitors: Auto Insurance Discounts
| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | X | X | 10% | 10% | 5% | 3% | X | 7% | 10% | X |
| Adaptive Headlights | 15% | 15% | 10% | 5% | 5% | 10% | 15% | 5% | 5% | 15% |
| Anti-Lock Brakes | 10% | 10% | 10% | 5% | 5% | 5% | 10% | 5% | X | X |
| Anti-Theft | 10% | X | X | 23% | 20% | 25% | 20% | 15% | X | X |
| Claim Free | 35% | 10% | 15% | 26% | 15% | 10% | 15% | 15% | 23% | 12% |
| Continuous Coverage | X | 10% | 10% | X | 15% | 15% | 10% | 10% | 15% | 5% |
| Daytime Running Lights | 2% | X | 2% | 3% | 5% | 5% | 7% | 3% | X | X |
| Defensive Driver | 10% | 10% | X | 10% | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | 15% | 30% | 30% | 20% | 10% | 20% | 20% | 7% | X |
| Driver's Education | 10% | 10% | 8% | NA | 10% | 8% | 10% | 15% | 8% | 3% |
| Early Signing | 10% | 12% | 15% | 15% | 8% | 8% | 8% | 15% | 10% | 12% |
| Electronic Stability... | 2% | 3% | 3% | 2% | 5% | X | 5% | X | 3% | 2% |
| Emergency Deployment | 5% | X | 20% | 25% | X | X | X | X | 20% | 25% |
| Engaged Couple | 10% | 10% | 5% | X | 5% | 10% | 5% | X | X | 10% |
| Family Legacy | X | 10% | X | 5% | 10% | 5% | 5% | X | 5% | 10% |
| Family Plan | 20% | X | 15% | X | 10% | 25% | X | 15% | 15% | X |
| Farm Vehicle | 10% | X | 10% | X | 10% | 5% | X | 5% | 10% | X |
| Fast 5 | X | X | X | X | X | X | X | X | X | X |
| Federal Employee | 13% | 15% | X | 12% | 10% | 16% | X | 15% | X | X |
| Forward Collision Warning | 5% | 10% | 5% | 10% | 5% | X | 5% | 5% | 5% | 10% |
| Full Payment | 10% | 10% | 8% | X | $50 | 8% | 10% | X | 8% | X |
| Further Education | X | X | X | X | 10% | 15% | X | X | X | X |
| Garaging/Storing | X | X | X | X | X | X | X | X | X | 90% |
| Good Credit | 10% | X | 5% | 10% | 5% | X | 10% | X | 10% | X |
| Good Student | 20% | 23% | X | 15% | 23% | 10% | 8% | 25% | 8% | 3% |
| Green Vehicle | 10% | X | 5% | X | 10% | X | X | 10% | 10% | X |
| Homeowner | 3% | 3% | 5% | X | 5% | 5% | X | 3% | 5% | X |
| Lane Departure Warning | X | X | X | X | X | X | X | X | X | X |
| Low Mileage | 30% | 30% | 25% | 25% | 30% | 25% | X | 25% | 30% | 25% |
| Loyalty | 5% | 15% | 5% | X | 15% | 5% | 15% | 15% | 5% | X |
| Married | 5% | X | 5% | X | X | X | 5% | X | X | X |
| Membership/Group | X | 7% | X | X | 10% | 7% | X | X | X | 7% |
| Military | X | X | 15% | 15% | 4% | 10% | X | X | X | 30% |
| Military Garaging | X | X | X | X | X | X | X | X | X | 15% |
| Multiple Drivers | 25% | 20% | 20% | X | X | 25% | X | X | 25% | X |
| Multiple Policies | 10% | 29% | 20% | 10% | 20% | 10% | 12% | 17% | 13% | X |
| Multiple Vehicles | X | 10% | 8% | 25% | 10% | 20% | 10% | 20% | 8% | X |
| New Address | X | 5% | X | X | 5% | 5% | X | 5% | X | X |
| New Customer/New Plan | X | X | X | X | X | X | X | X | X | X |
| New Graduate | 5% | 15% | 10% | X | 5% | 15% | 10% | 5% | 15% | 10% |
| New Vehicle | 30% | X | 30% | 15% | 40% | X | 40% | 10% | 12% | X |
| Newly Licensed | X | X | X | X | 5% | X | X | X | X | X |
| Newlyweds | 10% | X | 5% | 5% | 5% | X | 10% | X | 10% | X |
| Non-Smoker/Non-Drinker | X | X | 10% | X | 10% | 10% | X | X | X | 10% |
| Occasional Operator | X | X | X | X | X | X | X | X | X | X |
| Occupation | X | X | X | X | 10% | 15% | X | X | X | X |
| On-Time Payments | 5% | 10% | X | 10% | 10% | 15% | 15% | X | 15% | X |
| Online Shopper | 10% | X | X | X | 10% | X | 7% | X | 10% | X |
| Paperless Documents | 10% | 5% | X | 5% | 5% | 5% | $50 | 10% | 5% | 10% |
| Paperless/Auto Billing | 5% | 5% | X | X | 3% | $30 | X | $20 | 3% | 3% |
| Passive Restraint | 30% | 30% | X | 40% | X | 20% | X | 40% | X | X |
| Recent Retirees | X | X | X | X | 4% | X | X | X | X | X |
| Renter | X | X | X | X | X | X | X | X | X | X |
| Roadside Assistance | X | X | X | X | X | X | X | X | X | X |
| Safe Driver | 45% | X | X | 15% | X | 35% | 31% | 15% | 23% | 12% |
| Seat Belt Use | X | X | X | 15% | X | X | X | X | X | X |
| Senior Driver | 10% | X | X | X | X | X | X | X | X | X |
| Stable Residence | X | X | X | X | X | X | X | X | X | X |
| Students & Alumni | X | X | X | X | 10% | 7% | X | X | X | X |
| Switching Provider | X | X | X | X | 10% | X | X | X | X | X |
| Usage-Based Discount | 20% | 40% | 20% | X | 30% | 40% | 20% | 50% | 30% | 5% |
| Utility Vehicle | 15% | X | X | X | X | X | X | X | X | X |
| Vehicle Recovery | 10% | X | X | 15% | 35% | 25% | X | 5% | X | X |
| VIN Etching | X | X | X | X | 5% | X | X | X | X | X |
| Volunteer | X | X | X | X | X | X | X | X | X | X |
| Young Driver | X | X | X | X | X | X | X | X | X | $75 |
Use our guide to learn more about how auto insurance companies check driving records and follow the tips below to get even cheaper State Farm auto insurance quotes.
Raise Your Auto Insurance Deductible
If you carry comprehensive or collision coverage, there will be an auto insurance deductible associated with these types of policies. The deductible is the amount you pay out of pocket before the provider steps in to cover the rest.
The deductible amount can typically be selected by the insured within a reasonable limit. For example, you may be able to choose between a $250 to $1,000 deductible.
Since your deductible is the amount you pay before insurance kicks in, it’s one of the many factors that affect auto insurance rates. Check out the table below to compare average rates for car insurance based on deductible amount:
Auto Insurance Monthly Rates by Deductible Amount & Coverage Level
| Deductible Amount | Minimum Coverage | Full Coverage |
|---|---|---|
| $0 | $183 | $272 |
| $100 | $171 | $258 |
| $250 | $158 | $238 |
| $500 | $142 | $213 |
| $1,000 | $125 | $188 |
| $2,000 | $108 | $163 |
As you can see, when you request a higher deductible, your monthly premium will be lower. However, be careful not to increase your deductible too much, or it might make relying on your insurance provider difficult.
Here’s how to pick a good deductible for auto insurance.
Adjust Your Auto Insurance Coverage Limits
While nobody wants to be underinsured when they need to file a claim, you also should not pay for more coverage than is truly needed. Just remember, each state has different auto insurance laws and legal minimum requirements that you must carry to drive on the roads.
Compare state minimum auto insurance requirements below to see what coverages you must have:
Minimum Liability Auto Insurance Requirements by State
| States | Coverages | Liability Limits | PIP Limit | No-Fault/At-Fault |
|---|---|---|---|---|
| Alabama | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| Alaska | Bodily injury & property damage liability | 50/100/25 | X | At-Fault |
| Arizona | Bodily injury & property damage liability | 25/50/15 | X | At-Fault |
| Arkansas | Bodily injury & property damage liability, personal injury protection (PIP) | 25/50/25 | $5,000, optional | At-Fault |
| California | Bodily injury & property damage liability | 15/30/5 | X | At-Fault |
| Colorado | Bodily injury & property damage liability | 25/50/15 | X | At-Fault |
| Connecticut | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/25 | X | At-Fault |
| Delaware | Bodily injury & property damage liability, personal injury protection (PIP) | 25/50/10 | $30,000 | At-Fault |
| Florida | Property damage liability, personal injury protection (PIP) | 10/20/10 | $10,000 | No-Fault |
| Georgia | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| Hawaii | Bodily injury & property damage liability, personal injury protection (PIP) | 20/40/10 | $10,000 | No-Fault |
| Idaho | Bodily injury & property damage liability | 25/50/15 | X | At-Fault |
| Illinois | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/20 | X | At-Fault |
| Indiana | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| Iowa | Bodily injury & property damage liability | 20/40/15 | X | At-Fault |
| Kansas | Bodily injury & property damage liability, personal injury protection (PIP) | 25/50/25 | $9,000 | No-Fault |
| Kentucky | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/25 | $10,000 | No-Fault |
| Louisiana | Bodily injury & property damage liability | 15/30/25 | X | At-Fault |
| Maine | Bodily injury & property damage liability, uninsured motorist, underinsured motorist, medical payments | 50/100/25 | X | At-Fault |
| Maryland | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 30/60/15 | $2,500, optional | At-Fault |
| Massachusetts | Bodily injury & property damage liability, personal injury protection (PIP) | 20/40/5 | $8,000 | No-Fault |
| Michigan | Bodily injury & property damage liability, personal injury protection (PIP) | 20/40/10 | $50,000 | No-Fault |
| Minnesota | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 30/60/10 | $40,000 | No-Fault |
| Mississippi | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| Missouri | Bodily injury & property damage liability, uninsured motorist | 25/50/25 | X | At-Fault |
| Montana | Bodily injury & property damage liability | 25/50/20 | X | At-Fault |
| Nebraska | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/25 | X | At-Fault |
| Nevada | Bodily injury & property damage liability | 25/50/20 | X | At-Fault |
| New Hampshire | Financial responsibility only | 25/50/25 | X | At-Fault |
| New Jersey | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 15/30/5 | $15,000 | No-Fault |
| New Mexico | Bodily injury & property damage liability | 25/50/10 | X | At-Fault |
| New York | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/10 | $50,000 | No-Fault |
| North Carolina | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 30/60/25 | X | At-Fault |
| North Dakota | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/25 | $30,000 | No-Fault |
| Ohio | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| Oklahoma | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| Oregon | Bodily injury & property damage liability, personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/20 | $15,000 | At-Fault |
| Pennsylvania | Bodily injury & property damage liability, personal injury protection (PIP) | 15/30/5 | $5,000 | No-Fault |
| Rhode Island | Bodily injury & property damage liability | 25/50/25 | X | At-Fault |
| South Carolina | Bodily injury & property damage liability, uninsured motorist | 25/50/25 | X | At-Fault |
| South Dakota | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/25 | X | At-Fault |
| Tennessee | Bodily injury & property damage liability | 25/50/15 | X | At-Fault |
| Texas | Bodily injury & property damage liability, personal injury protection (PIP) | 30/60/25 | $2,500, optional | At-Fault |
| Utah | Bodily injury & property damage liability, personal injury protection (PIP) | 25/65/15 | $3,000 | No-Fault |
| Vermont | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/10 | X | At-Fault |
| Virginia | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/20 | X | At-Fault |
| Washington | Bodily injury & property damage liability | 25/50/10 | $10,000, optional | At-Fault |
| Washington, D.C. | Bodily injury & property damage liability, uninsured motorist | 25/50/10 | $50,000, optional | At-Fault |
| West Virginia | Bodily injury & property damage liability, uninsured motorist, underinsured motorist | 25/50/25 | X | At-Fault |
| Wisconsin | Bodily injury & property damage liability, uninsured motorist, medical payments | 25/50/10 | X | At-Fault |
| Wyoming | Bodily injury & property damage liability | 25/50/20 | X | At-Fault |
If your car is older and would cost more to repair than it’s worth, you might not need full coverage insurance, for example. However, new cars might require full coverage with collision and comprehensive insurance to meet the terms of the auto loan or lease.
Learning more about the different types of auto insurance and their benefits is a great first step. Pick and choose the coverage options you need, and customize a policy for yourself.
Check out the table below to compare how much certain coverage types cost by U.S. state:
Auto Insurance Monthly Rates by State & Coverage Type
| State | Liability | Collision | Comprehensive | Full Coverage |
|---|---|---|---|---|
| Alabama | $35 | $27 | $13 | $75 |
| Alaska | $47 | $30 | $12 | $89 |
| Arizona | $45 | $23 | $16 | $84 |
| Arkansas | $34 | $27 | $16 | $78 |
| California | $42 | $34 | $8 | $84 |
| Colorado | $45 | $24 | $15 | $85 |
| Connecticut | $57 | $31 | $11 | $99 |
| Delaware | $67 | $27 | $10 | $104 |
| Florida | $74 | $24 | $10 | $108 |
| Georgia | $50 | $28 | $13 | $91 |
| Hawaii | $39 | $26 | $9 | $73 |
| Idaho | $31 | $19 | $10 | $59 |
| Illinois | $38 | $26 | $11 | $75 |
| Indiana | $33 | $21 | $10 | $64 |
| Iowa | $26 | $19 | $16 | $60 |
| Kansas | $30 | $22 | $20 | $73 |
| Kentucky | $45 | $23 | $12 | $80 |
| Louisiana | $68 | $35 | $18 | $121 |
| Maine | $29 | $22 | $8 | $60 |
| Maryland | $53 | $30 | $13 | $95 |
| Massachusetts | $51 | $33 | $11 | $95 |
| Michigan | $68 | $35 | $13 | $116 |
| Minnesota | $38 | $20 | $15 | $73 |
| Mississippi | $39 | $27 | $18 | $84 |
| Missouri | $36 | $23 | $15 | $75 |
| Montana | $33 | $22 | $19 | $74 |
| Nebraska | $31 | $20 | $19 | $71 |
| Nevada | $60 | $26 | $10 | $95 |
| New Hampshire | $34 | $25 | $9 | $68 |
| New Jersey | $75 | $32 | $11 | $117 |
| New Mexico | $43 | $23 | $15 | $80 |
| New York | $69 | $33 | $14 | $115 |
| North Carolina | $30 | $25 | $11 | $65 |
| North Dakota | $25 | $21 | $20 | $65 |
| Ohio | $34 | $23 | $10 | $67 |
| Oklahoma | $39 | $27 | $19 | $85 |
| Oregon | $51 | $19 | $8 | $78 |
| Pennsylvania | $42 | $28 | $12 | $82 |
| Rhode Island | $66 | $35 | $11 | $111 |
| South Carolina | $46 | $22 | $15 | $84 |
| South Dakota | $26 | $18 | $22 | $65 |
| Tennessee | $36 | $26 | $12 | $74 |
| Texas | $46 | $32 | $17 | $95 |
| Utah | $43 | $22 | $9 | $74 |
| Vermont | $30 | $25 | $11 | $66 |
| Virginia | $36 | $24 | $12 | $72 |
| Washington | $51 | $22 | $9 | $82 |
| Washington, D.C. | $55 | $39 | $19 | $114 |
| West Virginia | $42 | $28 | $17 | $87 |
| Wisconsin | $32 | $19 | $12 | $62 |
| Wyoming | $28 | $23 | $21 | $73 |
Be sure to work with your insurance agent to set reasonable limits on your policy, and balance affordability with the peace of mind coverage offers.
Read More: Auto Insurance for Different Types of Drivers
Improve Your Credit Score
While some states have banned using credit scores as a means for calculating your rates, most places still allow this practice, and those with higher credit ratings may qualify for better rates. Know what your score is and learn how credit scores affect auto insurance rates before seeking out quotes.
The table below compares full coverage rates from the top providers by credit score:
Full Coverage Auto Insurance Monthly Rates by Provider & Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $116 | $136 | $203 |
 | $140 | $160 | $269 |
| $82 | $99 | $148 |
| $177 | $226 | $355 |
| $120 | $133 | $166 |
| $109 | $138 | $206 |
| $91 | $117 | $200 |
| $107 | $128 | $194 |
| $176 | $197 | $296 |
| U.S. Average | $123 | $148 | $226 |
If you have fair or bad credit, take steps to improve it over the next few months. Try paying off any outstanding debt that you may have. Avoid taking out new credit until your current debts are lowered. Making your monthly payments on time will also help improve your overall credit score, leading to better rates.
Read More: How Credit Scores Affect Auto Insurance Rates
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How to Save Money With State Farm Auto Insurance Discounts
Using State Farm auto insurance discounts is a great way to save money on the coverage you need. Low-mileage drivers get huge State Farm discounts of up to 30% off rates, while students with good grades can save up to 25%.
Safe drivers can earn a State Farm good driver discount of 25%, and the State Farm discount program for seniors is also very competitive for older drivers who take a defensive driving course.
But there are other ways to save money on your auto insurance as well. Compare insurance quotes from multiple companies to find which offers the best rates and discounts based on your driving record, credit score, and coverage needs. The best auto insurance companies will provide you with cheap rates as well as proper protection and great customer service.
State Farm is a great company to add to your list of potential providers, but comparison shopping is still key to getting the cheapest auto insurance quotes. Enter your ZIP code below to receive several quotes from reputable insurance providers and see if the State Farm auto insurance company is for you.
Frequently Asked Questions
What discounts does State Farm offer?
State Farm offers various auto insurance discounts to help policyholders save money. Here are the seven most common discounts available:
- Safe Driving Discount
- Multi-Car Discount
- Good Student Discount
- Defensive Driving Course Discount
- Accident-Free Discount
- Vehicle Safety Discount
- Pay-in-Full Discount
- Drive Safe & Save
While you could save 5% with the defensive driving course discount, the pay-in-full discount lowers your rates by 15%. Speak with your State Farm insurance agent to see what’s available in your area. Learn why you should take a defensive driving class here.
How can I find out if I qualify for State Farm auto insurance discounts?
To determine if you qualify for State Farm car insurance discounts, it’s best to contact a State Farm agent directly. They can review your policy, driving history, and personal information to assess your eligibility for various discounts.
Are State Farm auto insurance discounts available in all states?
State Farm auto discounts are available in most states where the company operates. However, the availability and specific discounts may vary by state. It’s recommended to check with a State Farm agent or visit their website to see which discounts are applicable in your state.
Can I combine multiple discounts on my State Farm auto insurance policy?
Yes, State Farm allows you to combine multiple discounts on your auto insurance policy, provided you meet the requirements for each discount. Combining discounts can help you maximize your savings on your insurance premiums.
Discover More: What an Auto Insurance Specialist Says About Bundling Rates
How long do State Farm auto insurance discounts remain in effect?
A State Farm insurance discount will generally remain in effect for as long as you meet the eligibility requirements. However, it’s essential to note that some discounts, such as the State Farm accident-free discount or good student insurance discounts, may have specific renewal requirements.
It’s advisable to check with your State Farm agent to understand the duration and renewal criteria for each discount.
Does State Farm give a senior discount?
No, State Farm does not give a senior discount at this time nor do they offer a State Farm loyalty discount, though these are common with some other insurers. State Farm doesn’t have an AARP discount either.
Looking for cheap auto insurance for drivers over 60? Enter your ZIP code into our free quote tool below to compare your State Farm rates vs. top competitors and find the lowest rates for senior drivers.
What are the State Farm home insurance discounts?
State Farm’s site lists several home policy discounts, such as a multiple line discount, the home alert protection discount, and roofing discounts. You can also choose a plan with a higher car insurance deductible to lower your monthly rates.
Is State Farm a good auto insurance company?
State Farm is the biggest auto insurance company in the United States by premiums written, and it has excellent ratings as well. While State Farm’s A.M. Best rating was recently downgraded to B — which is lower than most competitors — it’s still not a bad score, and the company has good J.D. Power ratings for customer satisfaction.
Learn More: Auto Insurance Companies With the Best Customer Service
How much is a State Farm low-mileage discount?
Does State Farm offer a low-mileage discount? Yes, if you drive less than the national average, you’ll save a small percentage on your overall auto insurance rates. Additionally, customers who drive 2,000 miles or less can get a larger discount of around 45% with a State Farm discount for low mileage.
Find out how to get a low-mileage auto insurance discount with State Farm by calling an agent.
How much is a State Farm accident-free discount?
Safe drivers can save up to 30%. You will also earn a vanishing deductible if you remain accident free for three years or more.
How do you save on State Farm auto insurance if you move to a new area?
Your ZIP code significantly impacts your insurance premiums, as insurers consider an area’s theft rate, accident volume, and commute times. In some cases, simply moving one or two ZIP codes over could impact them, making it critical to compare auto insurance rates by ZIP code.
Do some research, and make sure the neighborhood you live in isn’t causing your auto insurance rates to increase.
Can you save on State Farm auto insurance if you buy a different car?
If you’re preparing to buy a new car soon, compare auto insurance quotes online before deciding which make and model to buy. A vehicle’s power, acceleration speed, accident statistics, replacement value, and other details also impact your rates.
Learn More: Compare Auto Insurance Rates by Vehicle Make and Model
Pick a car that’s affordable to repair, but has great safety and crash test ratings. Looking at insurance loss ratios will also give you a better idea of how much a certain vehicle make and model might cost you to insure.
Are there State Farm student discounts?
A top question readers ask is, “Does State Farm offer discounts for students?” State Farm offers a good student discount, which knocks 25% off your total premium if you maintain a 3.0 GPA, or B average, as a high school or college student.
What are the State Farm good student discount requirements?
To qualify for the good student discount, State Farm requires auto insurance policyholders to be under 25, enrolled full-time in high school or college, and have a 3.0 GPA or higher.
Does State Farm give a discount for the AARP driver safety course?
Seniors may be wondering, “Does State Farm offer a discount for the AARP driver safety course?” Yes, State Farm will give a 15% senior driver discount if you complete the AARP Smart Driver safety course.
Curious what your State Farm senior discount cost would be? Enter your ZIP code into our free quote comparison tool below to find out instantly.
What is the 3-star discount with State Farm?
While it’s not officially called a State Farm 3-star discount, the company will reduce rates for loyal customers who remain claim and accident free for at least three years.
Is there a State Farm referral program?
No, while there isn’t a State Farm referral discount for referring friends or family, the company offers more than 20 discounts.
Does State Farm offer a discount for paying in full?
You may be asking, “Does State Farm give a discount for paying in full?” Yes, you can save around 15% on your car insurance by paying your premiums in full. Learn how to get a pay-in-full insurance discount with State Farm for lower rates.
Why was my State Farm multi-line discount removed?
Some potential reasons you may have lost your multi-policy discount with State Farm are the cancellation of one of your policies, a policy that doesn’t meet the discount requirements anymore, or a policy lapse (Learn More: Best Auto Insurance Companies That Don’t Penalize for a Lapse in Coverage).
Why was my State Farm vehicle safety discount removed?
Your State Farm vehicle safety insurance discount may have fallen off if your car no longer meets certain safety requirements, or if you recently replaced it with a different vehicle with fewer safety features. Another possibility is that your policy updated or renewed without verifying the safety features.
What are the State Farm mileage brackets?
Most companies, including State Farm, have unique systems for determining whether a driver is considered low mileage. State Farm uses mileage brackets through Drive Safe & Save program, the company’s usage-based insurance program, to determine policyholders’ rates.
Here’s a typical breakdown of mileage brackets:
- 0 to 7,500 Miles Annually: State Farm will generally consider you low mileage and give you the full State Farm short annual mileage discount if you fall in this range.
- 7,501 to 15,000 Miles Annually: While you may no longer qualify for low-mileage savings with State Farm, you should still receive significant savings with State Farm Drive Safe & Save if you drive well.
- 15,001 to 20,000 Miles Annually: You’ll likely be considered a high mileage driver and receive a smaller discount with State Farm.
However, it’s important to note that this is only an estimate. Check out our State Farm Drive Safe & Save review to learn how policyholders can save nearly 30% with their good driving.
Wondering if another provider has lower rates? Find out by entering your ZIP code into our free quote comparison tool below.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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