State Farm Auto Insurance Discounts (2024)
State Farm auto insurance discounts include vehicle and driver-based discounts, with potential savings of up to 25% for good students, 30% for low mileage, and 15% with a State Farm defensive driving discount. Learn how older drivers can qualify for a State Farm senior discount with a defensive driving course.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Apr 4, 2024
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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.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 4, 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.
On This Page
- You can benefit from up to 20 unique State Farm auto insurance discounts
- The biggest savings is 30% with State Farm safe driving and low-mileage discounts
- A good credit score can save money on State Farm insurance beyond discounts
Most drivers pay around $86 per month for State Farm insurance, but you could get even lower rates by qualifying for State Farm low-mileage discounts of up to 30% or good student savings of up to 25%.
Before you choose a provider like State Farm, compare quotes, coverage options, customer reviews, and car insurance discount options offered by the insurer. Read our State Farm auto insurance review to get started.
But first, compare savings and find out which discounts you qualify for with our State Farm discounts list below. Then use our free quote comparison tool above to see how these State Farm deals compare to insurance companies near you.
State Farm Auto Insurance Discounts List
State Farm is the largest auto insurance company in the U.S., with more than 80 million policies issued in two countries (44 million of those policies are for auto insurance).
Of course, its popularity could be partially due to how easy it is to get cheap State Farm insurance, and the company is known for its many commercials that discuss how everybody is eligible for some, if not all, of the available State Farm insurance discounts.
Your individual rates depend on where you live, your age, and your driving record, but you can lower your monthly costs by taking advantage of State Farm auto insurance discounts.
What discounts does State Farm offer for auto insurance? The table below shows available auto insurance discounts from State Farm. Unfortunately, there are no State Farm discounts for seniors except through AARP.
Discount Savings
Adaptive cruise control Yes - 10%
Adaptive headlights Yes - 10%
Anti-lock brakes Yes - 5%
Anti-theft Yes - 15%
Electronic stability control Yes - 10%
Vehicle recovery Yes - 5%
Newer vehicle Yes - 40%
Claim free Yes - 15%
Defensive driver Yes - 5%
Distant student Yes - 10%
Driver's education Yes - 15%
Driving device/app Yes - 50%
Early signing Yes - 5%
Federal employee Yes - 5%
Garaging/storing Yes - 5%
Good credit Yes - 5%
Good student Yes - 25%
Homeowner Yes - 3%
Low mileage Yes - 30%
Married Yes - 5%
Military Yes - 5%
Military garaging Yes - 5%
Multiple policies Yes - 17%
Multiple vehicles Yes - 20%
New graduate Yes - 5%
Newly licensed Yes - 5%
On-time payments Yes - 5%
Paperless documents Yes - 5%
Paperless/auto billing Yes - $2
Passive restraint Yes - 5%
Roadside assistance Yes - 5%
Safe driver Yes - 15%
Seat belt use Yes - 5%
Senior driver Yes - 5%
Young driver Yes - 5%
While maintaining a clean driving record will help keep your rates low, the best way to minimize your State Farm insurance rates is by qualifying for discounts. The company offers 20 unique savings opportunities for drivers, and these savings can stack.
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 discount from State Farm of up to 20%.
However, the type of car you drive can impact your auto insurance rates. This is because it can heavily affect the cost of any claims you file and increase or decrease your potential risk of being involved in an accident.
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.
Discount | Savings |
---|---|
Adaptive cruise control | Yes - 5% |
Adaptive headlights | Yes - 3% |
Anti-lock brakes | Yes - 5% |
Anti-theft | Yes - 15% |
Daytime running lights | Yes - 2% |
Electronic stability control | Yes - 4% |
Vehicle recovery | Yes - 5% |
VIN etching | Yes - 1% |
Lane departure warning | Yes - 6% |
Newer vehicle | Yes - 40% |
Green vehicle | Yes - 10% |
Forward collision warning | Yes - 8% |
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.
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.
Discount | Savings |
---|---|
Claim free | Yes - 15% |
Defensive driver | Yes - 5% |
Distant student | Yes - 10% |
Driver's education | Yes - 15% |
Driving device/app | Yes - 50% |
Early signing | Yes - 5% |
Federal employee | Yes - 5% |
Garaging/storing | Yes - 5% |
Good credit | Yes - 5% |
Good student | Yes - 25% |
Homeowner | Yes - 3% |
Low mileage | Yes - 30% |
Married | Yes - 5% |
Military | Yes - 5% |
Military garaging | Yes - 5% |
Multiple policies | Yes - 17% |
Multiple vehicles | Yes - 20% |
New graduate | Yes - 5% |
Newly licensed | Yes - 5% |
Paperless documents | Yes - 5% |
Paperless/auto billing | Yes - $2 |
Passive restraint | Yes - 5% |
Roadside assistance | Yes - 5% |
Safe driver | Yes - 15% |
Seat belt use | Yes - 5% |
Senior driver | Yes - 5% |
Young driver | Yes - 5% |
You can qualify for discounts through State Farm for being a good student, for getting married, and even for being a homeowner. Despite there being no State Farm insurance discounts for seniors, 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%. 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.Eric Stauffer Licensed Insurance Agent
Unfortunately, only seniors and drivers under 25 qualify for the State Farm driving course discount. 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 driving 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.
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 auto insurance discounts. See how State Farm compares to other usage-based companies below.
Insurance Company | Program Name | Device Type | Sign-up Discount | Earned Savings |
---|---|---|---|---|
AAA | AAADrive | Mobile App | 15% | 30% |
Allstate | Drivewise | Mobile App | 10% | 40% |
American Family | KnowYourDrive | Mobile App or Plug-in | 5% | 20% |
Esurance | DriveSense | Mobile App | 5% | 30% |
Geico | DriveEasy | Mobile App | 20% | 25% |
Liberty Mutual | RightTrack | Mobile App or Plug-in | 5% | 30% |
MetLife | My Journey | Plug-in | 10% | 30% |
Mile Auto | Mile Auto | Neither | 20% | 40% |
Nationwide | SmartRide | Mobile App or Plug-in | 10% | 40% |
Progressive | Snapshot | Mobile App or Plug-in | $25 | 20% |
State Farm | Drive Safe & Save | Mobile App or Plug-in | 5% | 30% |
The Hartford | TrueLane | Plug-in | 5% | 25% |
Travelers | IntelliDrive | Mobile App | 10% | 20% |
USAA | SafePilot | Mobile App | 5% | 20% |
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. 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.
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.
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 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
When you pay your insurance bill on time, you avoid late fees and potential lapses in coverage, maintaining financial stability and peace of mind. Additionally, paying your bill in full reduces administrative costs for both you and the insurance company, leading to 15% savings with a State Farm pay-in-full discount.
Read More: How to Get an Electronic Automatic Billing Auto Insurance Discount
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. 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 have both your commercial and personal policy for up to 17% off rates.
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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:
- Your age and gender.
- Your driving history and past claims status.
- Statistical information for your residential ZIP code.
- The distance you normally travel.
- The make and model of the car that is being insured.
- Your desired coverage types of auto insurance and limits.
Because each company uses a slightly different equation to calculate your premium, you should compare quotes from multiple providers to discover your cheapest rates.
For example, one company may not ding your rate if you had an accident two years ago, but another company may increase your rate if you have any at-fault accidents in your driving history within the last five years.
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.
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.
If your car is older and would cost more to repair than it’s worth, you might not need full coverage, 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. You can work with your insurance agent to set reasonable limits on your coverage.
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 your current credit rating before seeking out auto insurance quotes.
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
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
- Multiple Auto Discount
- Good Student Discount
- Defensive Driving Course Discount
- Accident-Free Discount
- Vehicle Safety Discount
- Drive Safe & Save Discount
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 offers auto insurance discounts in most states where they operate. 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.
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 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.
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 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. State Farm has great ratings with AM Best for financial strength and JD Power for customer satisfaction.
How much is a State Farm low-mileage discount?
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.
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 plays a major role in your insurance premiums. Statistical details regarding theft, accidents, commute times, and more are reviewed by providers when calculating your rates. In some cases, simply moving one or two ZIP codes over can result in tremendous premium savings. 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 are 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. Pick a car that is 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.
Does State Farm offer student auto insurance discounts?
State Farm will knock off 25% of your total premium if you maintain a B average as a high school or college student.
Does State Farm give 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.
What is the 3-star discount with State Farm?
It’s not officially called a 3-star auto insurance discount, but State Farm 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, State Farm offers 20 auto insurance discounts, but none for referring friends or family to the company.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.