State Farm Auto Insurance Discounts in 2026 (Save 30%!)
The best State Farm auto insurance discounts are its Drive Safe & Save, good student, and multi-policy discounts. Drivers who practice safe driving habits may qualify for savings of up to 30%, while students with good academic grades or multi-policy owners can save up to 25%. Learn how to qualify for these State Farm car insurance discounts.
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Table of Contents
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...
Melanie Musson
Managing Editor
Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...
Daniel S. Young
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Kalyn Johnson
Updated September 2026
The best State Farm auto insurance discounts include up to 30% through Drive Safe & Save, and up to 25% for good students or multi-policy owners.
- State Farm customers can benefit from 20 unique discount options
- Safe drivers could get the biggest savings, of up to 30%
- A good credit score can also help you save on your premiums
Most drivers pay $47 per month, but you could get even lower rates with State Farm car discounts. For instance, policyholders who own multiple policies could save 25% with State Farm’s multi-policy 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 | Who Qualifies? |
|---|---|---|---|
| Drive Safe & Save™ | #1 | 30% | Drivers who enroll in telematics |
| Good Student | #2 | 25% | Students with a B average or 3.0 GPA |
| Multi-Policy | #3 | 25% | Customers with multiple policies |
| Safe Driver | #4 | 15% | Drivers with no recent accidents |
| Defensive Driving | #5 | 15% | Approved driving course graduates |
| Low Mileage | #6 | 13% | Drivers with low annual mileage |
| New Car | #7 | 10% | Owners of new vehicles |
| Vehicle Safety | #8 | 10% | Vehicles with advanced safety features |
| Loyalty | #9 | 6% | Long-term State Farm customers |
| Anti-Theft | #10 | 5% | Vehicles with certain anti-theft devices |
Before choosing State Farm, compare quotes, coverage options, customer reviews, and discount options by reading our State Farm auto insurance review.
First, see if you qualify for savings with our State Farm discounts list. Then, use our free quote comparison tool to see how these State Farm car insurance deals compare to competitors near you.
How to Qualify for Top State Farm Discounts
State Farm offers several attractive discounts that can help you significantly lower your auto insurance rates. Top State Farm discounts for car insurance include the multi-policy discount, good student discount, and Drive Safe & Save discount.
Each discount addresses different aspects of your insurance needs and driving habits, offering multiple ways to save.
Qualifying for State Farm auto insurance discounts is simple if you understand the eligibility criteria and take the necessary steps to meet them.Dani Best Licensed Insurance Producer
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.
We’ll also cover which discounts offer the biggest savings and what eligibility requirements you may need to meet.
Enroll in State Farm’s UBI Program
State Farm Drive Safe & Save discount is designed for drivers with safe driving habits. State Farm Drive Safe and Save is a usage-based insurance program that tracks drivers’ mileage and driving habits to generate a discount.
When you join this program, where your driving is monitored through either a device in your car or a mobile app, you become eligible for savings of up to 30% that will depend on your driving habits. Thus, the safer you drive, the bigger the discount.
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.
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.
Top Usage-Based Auto Insurance (UBI) Programs
| Company | Program | Savings | System |
|---|---|---|---|
 | Drivewise | 40% | Mobile App |
 | DriveMyWay | 35% | Mobile App |
 | YourTurn | 30% | Mobile App |
 | DriveEasy | 25% | Mobile App |
 | RightTrack | 30% | Plug-in Device |
 | SmartRide | 40% | App or Device |
 | Snapshot | 30% | App or Device |
 | Drive Safe & Save | 30% | App or Device |
 | TrueLane | 30% | Mobile App |
 | IntelliDrive | 30% | Mobile App |
You can’t turn off State Farm Drive Safe and Save unless you uninstall the app. 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.
Apart from State Farm, other auto insurance companies offer cash back for safe drivers, like Allstate and Progressive. You can check them out if you’re looking for alternatives.
Be a Student With Good Grades
Does State Farm offer good student discounts? Students may be eligible for State Farm’s good student car insurance discount if they maintain good grades, which, in turn, helps significantly reduce auto insurance costs.
This discount is only available to individuals enrolled full-time in school who provide proof of academic achievement, usually a GPA of at least 3.0 or a B average.
If you’re wondering, do auto insurance check grades? Yes, they do. 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 25% 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.
By being a student with good grades, you not only invest in your education but also benefit from lower auto insurance premiums.Travis Thompson Licensed Insurance Agent
You’ll need to prove your academic performance (by providing things like a report card, transcript, etc.) in order to qualify for this discount offered by State Farm.
State Farm will likely ask you to renew this proof periodically to keep receiving this discount on your car insurance rates. You’ll have to make sure to keep your grades up over the course of the school year as well.
Get Multiple Insurance Policies
State Farm’s bundling discount is one of its most valuable discounts. It allows you to save up to 25% on auto insurance when you bundle it with other policies, such as home or renters insurance.
This discount is for customers who bundle auto insurance with another State Farm policy, such as home or renters insurance.
Homeowners can earn a State Farm home and auto discount only when they buy both policies with the provider.
This kind of State Farm multi-line discount applies to renters insurance, too. Check Out This Guide: Does owning a home affect auto insurance rates?
If you have a State Farm home or renters policy and also insure multiple vehicles with the company, you can stack the 25% State Farm multi-car discount with another discount 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 25% off your rates with a personal and commercial insurance policy. Find Out More: The Best Commercial Auto Insurance Companies
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 save up to 15% off by being a safer driver. This discount encourages safe driving while showing you where you can improve.Michelle Robbins Licensed Insurance Agent
You can significantly reduce your insurance premiums over time by consistently driving safely. Drivers may qualify for this discount after going at least three years without moving violations or at-fault accidents.
In some states, State Farm checks the driving history of all household drivers.
In some states, State Farm checks the driving history of all household drivers. The safe driver discount may later be replaced by an accident-free discount after you have been insured with State Farm for three years. This means your eligibility and discount amount can change over time.
Enroll in a Defensive Driving Course
To qualify for a good driver discount from State Farm, drivers can take several proactive steps. Firstly, young drivers can enroll in the State Farm defensive driving course called Steer Clear and save 15%.
Unfortunately, only seniors and drivers under 25 qualify for the State Farm driving course discount.
Seniors can complete an AARP-approved driver safety course. This not only improves your driving skills and awareness, but also makes you eligible for the State Farm defensive or mature driver 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 driver car insurance discount with State Farm can still reduce their rates with usage-based discounts.
Drive Less Than 7.5K Miles a Year
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. Most drivers drive between 12K and 15K miles per year.
In order to get a State Farm annual mileage discount of 13%, you must drive fewer than 7.5K miles per year.
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 helpful to track your mileage regularly. If you drive less than 7.5K miles a year, State Farm may be a good choice. Compare rates with the best pay-as-you-go auto insurance companies to get a lower price.
Buy a New Car
If you have decided to buy a new car, you could qualify for a discount of up to 15% off your State Farm auto insurance rates. The exact amount you might receive would depend on your location and the make and model of the new car.
Newer cars often include advanced safety technology that can reduce the likelihood of an accident or limit injury severity.
However, newer vehicles can cost more to repair or replace, which may raise collision and comprehensive rates. If you’re already planning to replace your vehicle, compare insurance quotes for several models and ask a State Farm agent which vehicles qualify for the biggest discounts. On This Topic: Best Auto Insurance Discounts for a New Car
Get a Car With Advanced Technology
State Farm offers vehicle safety savings based on factors such as your car’s make, model, safety equipment, and claims history. Features such as airbags, anti-lock brakes, driver-assistance technology, and other factory-installed safety systems may help lower your premiums.
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.
Two similarly priced cars can have different insurance costs depending on their safety ratings, repair expenses, theft rates, and technology. Checking your car’s equipment before buying can help you estimate its total insurance cost more accurately.
Comparing auto insurance premiums can help you find a vehicle that is both safer to drive and less expensive to insure.
Be a Long-Term Customer
Being a long-term State Farm customer 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 rewards long-time clients with different discount options. The longer you stay with State Farm, the more you can potentially save on your auto insurance premiums.
State Farm offers loyalty discounts to customers who have kept their policies for a long time. Loyalty discounts apply to auto and home insurance policies, making it advantageous to keep all your insurance needs with one provider.
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.
Make sure to keep a good payment history, and you’ll always get maximum benefits from your loyalty discount by renewing the policy with State Farm consistently over time.
Install an Anti-Theft System
Your vehicle is much less likely to be targeted for theft if it has an anti-theft system installed, which reduces State Farm’s insurance risk. As a result, State Farm offers auto insurance discounts to help protect drivers’ cars.
- Car Alarms
- Steering Wheel Locks
- Ignition Cut-off Devices
- GPS-Based Tracking Systems
To take advantage of an anti-theft discount, check with State Farm to see which anti-theft devices qualify. After you install the system, you may need to provide proof, such as a receipt or certification from the installer.
Adding anti-theft devices reduces your risk of having your car stolen.
In addition to the financial benefits, installing an anti-theft system can make you confident, knowing your vehicle is better protected against theft.Laura Kuhl Managing Editor
This added security reduces the likelihood of losing your car and decreases the potential hassles and costs associated with vehicle theft. Ask about State Farm’s anti-theft discount if your vehicle has a qualifying device.
Savings can depend on the type of anti-theft system, your vehicle, and the state where your policy is issued.
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Car Insurance Discounts Available at State Farm
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?
List of State Farm Auto Insurance Discounts
| Discount Name | Savings Potential |
|---|---|
| Adaptive Cruise | 5% |
| Adaptive Headlights | 3% |
| Anti-Lock Brakes | 5% |
| Anti-Theft | 15% |
| Electronic Stability | 5% |
| Vehicle Recovery | 5% |
| New Vehicle | 15% |
| Claims-Free | 11% |
| Defensive Driver | 15% |
| Distant Student | 20% |
| Driver's Education | 15% |
| Driving Device/App | 30% |
| Early Signing | 5% |
| Federal Employee | 10% |
| Garaging/Storing | 7% |
| Good Credit | 5% |
| Good Student | 25% |
| Homeowner | 4% |
| Low Mileage | 30% |
| Married | 5% |
| Military | 25% |
| Military Garaging | 5% |
| Multiple Policies | 25% |
| Multiple Vehicles | 20% |
| New Graduate | 5% |
| Newly Licensed | 5% |
| On-Time Payments | 5% |
| Paperless Documents | 3% |
| Passive Restraint | 5% |
| Safe Driver | 15% |
| Seat Belt Use | 5% |
| Senior Driver | 10% |
| 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 multiple discounts.
Your total savings depend on which discounts you qualify for. Some discounts may be combined depending on your policy and state.
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 30% off if they exhibit good driving behaviors.Eric Stauffer Licensed Insurance Agent
Does State Farm give an AARP discount? Unfortunately, State Farm does not offer a standard AARP auto insurance discount just for being an AARP member.
However, in some states, you may qualify for a defensive or mature driver course discount upon the completion of an AARP-approved driver safety course.
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 25%.
What is a vehicle safety discount? See the specific vehicle-based discount options provided through State Farm. If the specific savings amount is available, it is included in the data.
List od State Farm Auto Insurance Discounts for Vehicles
| Discount Name | Savings Potential |
|---|---|
| Adaptive Cruise | 5% |
| Adaptive Headlights | 3% |
| Anti-Lock Brakes | 5% |
| Anti-Theft | 15% |
| Daytime Running Lights | 2% |
| Electronic Stability | 5% |
| Vehicle Recovery | 5% |
| VIN Etching | 1% |
| Lane Departure Warning | 6% |
| Newer Vehicle | 15% |
| Green Vehicle | 5% |
| Forward Collision Warning | 8% |
However, the type of car you drive can affect your auto insurance rates due to factors such as the vehicle’s repair costs, safety features, theft risk, and claims history.
For example, a sedan such as a Toyota Corolla may cost less to insure than a luxury SUV because repairs and replacement parts cost less.
State Farm Driver Discounts
While there are many ways to save money with State Farm through vehicle-related auto insurance discounts, the insurance company doesn’t stop there. It also offers a wide range of discounts associated with you, the driver.
Here’a full list of those driver-based savings so you can understand how your vehicle can affect your premiums.
List of State Farm Auto Insurance Discounts for Drivers
| Discount Name | Savings Potential |
|---|---|
| Claim Free | 11% |
| Defensive Driver | 15% |
| Distant Student | 20% |
| Driver's Education | 15% |
| Drive Safe & Save | 30% |
| Early Signing | 5% |
| Federal Employee | 10% |
| Garaging/Storing | 7% |
| Good Credit | 5% |
| Good Student | 25% |
| Homeowner | 3% |
| Low Mileage | 30% |
| Married | 5% |
| Military | 25% |
| Military Garaging | 5% |
| Multiple Policies | 25% |
| Multiple Vehicles | 20% |
| New Graduate | 5% |
| Newly Licensed | 5% |
| Paperless Documents | 5% |
| Passive Restraint | 5% |
| Roadside Assistance | 5% |
| Safe Driver | 20% |
| Seat Belt Use | 5% |
| Senior Driver | 5% |
| Young Driver | 5% |
If the specific savings amount is available, it’s included in the data. 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 Affinity Discounts
Membership in exclusive groups or careers can help you save up to 12% on State Farm insurance since you can qualify for membership auto insurance discounts.
Does State Farm give veteran or military discounts? For instance, even if you can’t find an exclusive State Farm veteran discount or State Farm military car insurance discount, you can still save money with an affinity discount for your position in the military. Get More Details: Best Auto Insurance for Military Families and Veterans
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. Check Out This Page: Best Auto Insurance for Nurses
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.
Going paperless can make billing more convenient, but savings from paperless billing may vary by state and policy.
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.Dani Best Licensed Insurance Producer
Does State Farm give a discount for autopay? State Farm lets customers use AutoPay, which automatically withdraws scheduled payments.
Does State Farm offer a pay-in-full discount? You can receive a 15% pay-in-full auto insurance discount by paying your premium in advance, depending on your billing setup. Moreover, paying on time helps you avoid late payments.
Related:
- How to Get an Electronic Automatic Billing Auto Insurance Discount
- Should I pay my auto insurance in full?
State Farm Insurance Cost Breakdown
When comparing the best State Farm auto insurance discounts, it helps to look beyond the advertised savings and consider how much you could actually save based on your age, driving profile, coverage level, and eligibility.
Car insurance rate charts can help you understand how your premiums affect each discount’s value and give you a better idea of what you could actually pay.
Minimum vs. Full Auto Insurance Coverage Costs
State Farm offers competitive rates for both minimum and full coverage, although prices vary based on your age, driving record, location, coverage limits, and other rating factors. Minimum coverage costs $58 per month, while full coverage averages $110 per month.
Minimum coverage is always cheaper because it only includes the insurance required by your state. Full coverage costs more because it combines collision and comprehensive insurance.
State Farm vs. Competitors: Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $58 | $110 |
| $72 | $130 |
| $62 | $119 |
 | $70 | $127 |
| $60 | $115 |
| $74 | $132 |
| $63 | $118 |
| $68 | $125 |
| $65 | $120 |
State Farm also offers affordable rates for younger drivers compared with some competitors, although teens still pay substantially more than experienced drivers. For example, a 16-year-old female pays $171 per month, while a 16-year-old male pays $184 per month.
Teen drivers pay the highest premiums because they have less driving experience. Male teens often pay slightly more than female teens because insurers generally associate young male drivers with a higher accident risk.
State Farm discounts such as good student savings and Drive Safe & Save may reduce costs for eligible drivers.
How Your Driving History Affects Car Insurance Cost
Your driving history can play a major role in how much you pay for auto insurance. Insurers typically review factors such as speeding violations, at-fault accidents, and DUIs when setting rates.
The length of time that an infraction affects your rate will vary depending on the nature of the violation and your state. Most violations affect your premium for about three years.
State Farm vs. Competitors: Auto Insurance Monthly Rates by Driving Record
| Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $58 | $80 | $100 | $71 |
| $72 | $105 | $133 | $94 |
| $62 | $93 | $118 | $84 |
| $70 | $100 | $127 | $90 |
| $60 | $74 | $94 | $66 |
 | $74 | $112 | $141 | $100 |
| $63 | $87 | $110 | $78 |
| $68 | $96 | $122 | $86 |
| $65 | $94 | $119 | $83 |
 | $50 | $66 | $84 | $59 |
For the same driver profile and coverage level, State Farm charges $58 per month with a clean driving record, compared with $74 per month at Liberty Mutual.
After one at-fault accident, costs increase to $80 per month, while Allstate charges $105 per month for the same type of driver and coverage.
Other Ways to Lower Your State Farm Insurance Costs
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
Since insurers use different methods to calculate rates, compare quotes from various providers to find the lowest rates. For example, one company may not ding your rate if you had an accident two years ago, but another may increase it if it happened within five years.
How long an accident or violation affects your rate can also depend on the state, and the insurer’s underwriting rules.
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 $1K deductible.
State Farm Full Coverage Auto Insurance Rates by Deductible Amount
| Deductible Amount | Full Coverage |
|---|---|
| $0 | $305 |
| $100 | $289 |
| $250 | $267 |
| $500 | $239 |
| $1K | $211 |
| $2K | $183 |
Since your deductible is the amount you pay before insurance kicks in, it’s one of the many factors that affect auto insurance rates.
As you can see, requesting a higher deductible lowers your monthly premium. Choose a deductible you could comfortably pay out of pocket after a claim. 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. Remember, each state has different auto insurance laws and legal minimum requirements you must carry to drive on the roads.
If your car is older and has a low market value, it would cost more to repair than it’s worth. Therefore, you might not need full coverage auto insurance, for example.
State Farm Auto Insurance Coverage Options
| Protection | What it Covers |
|---|---|
| Car Rental & Travel Expenses | Rental vehicle or other transportation |
| Collision Coverage | Repairs after car crashes |
| Comprehensive Coverage | Theft, weather, fire, vandalism |
| Liability Coverage | Injuries and damage to others |
| Medical Payments | Medical costs after accidents |
| Rental Reimbursement | Rental car during repairs |
| Rideshare Insurance | Coverage while ridesharing |
| Roadside Assistance | Towing, jump-starts, flat tires |
| Underinsured Motorist | Costs above other driver's limits |
| Uninsured Motorist | Accidents with uninsured drivers |
However, new cars may require full coverage, including collision and comprehensive insurance. If you finance or lease a newer vehicle, your lender or leasing company will usually require these coverages to meet the terms of the auto loan or lease.
Once you pay off the vehicle, you can decide whether this extra protection is still worth the cost.
Learning more about the different types of auto insurance and their benefits is a great first step. Pick the coverage options you need and customize a policy for yourself.
Work with your insurance agent to set reasonable limits on your policy, and balance affordability with the peace of mind coverage offers.
Improve Your Credit Score
While some states have banned using credit scores to calculate your rates, most places still allow this practice, and those with higher credit ratings may qualify for better rates.
Knowing how your credit score affects auto insurance rates is important before seeking insurance quotes.
State Farm vs. Competitors: Auto Insurance Monthly Rates by Credit Score
| Company | Excellent (800+) | Good (670-799) | Fair (580-669) | Poor (<580) |
|---|---|---|---|---|
| $58 | $69 | $85 | $116 |
| $72 | $85 | $108 | $148 |
| $62 | $74 | $92 | $126 |
| $70 | $84 | $105 | $144 |
| $60 | $71 | $88 | $120 |
| $74 | $89 | $112 | $154 |
| $63 | $75 | $93 | $128 |
| $68 | $82 | $101 | $139 |
| $65 | $78 | $96 | $132 |
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 you reduce your current debts.
Making your monthly payments on time will also help improve your overall credit score and lead to better rates.
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How to Save Money With State Farm Auto Insurance
Using discounts for your State Farm policies is a great way to save money. Low-mileage drivers get State Farm discounts of up to 13% off rates, while students with good grades can save up to 25%. But there are other ways to save money on your auto insurance as well.
Compare insurance quotes from the best auto insurance companies to find which offers the best rates and discounts based on your driving record, credit score, and coverage needs.
State Farm may be worth considering if its rates are competitive in your state and you qualify for discounts such as Drive Safe & Save, good student, or multi-policy savings.
Comparison shopping is still key to getting the cheapest auto insurance quotes. Receive several quotes from reputable insurance providers and see if the State Farm auto insurance company is for you.
Frequently Asked Questions
What State Farm auto discounts are available?
State Farm offers various auto insurance discounts to help policyholders save money. Here are the seven most common discounts available:
- Accident-free discount
- Drive Safe & Save
- Defensive driving discount
- Good student discount
- Multi-car discount
- Pay-in-full discount
- Safe driving discount
- Vehicle safety discount
You could save 15% with State Farm’s defensive driving discount. Speak with your State Farm insurance agent to see what’s available in your area.
What State Farm auto insurance discounts are available in California?
State Farm offers several California-specific auto insurance discounts, including:
- Good driver discount
- Good student discount
- Inexperienced driver discount
- Loyalty discount
- Mature driver course discount
- Multiple automobiles discount
- Multiple line discount
- Student away at school discount
- Vehicle safety discount
However, discount availability and eligibility requirements vary. Drive Safe & Save is not available in California. Start comparing car insurance quotes to save more.
Are State Farm 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. Check with an agent or visit their website to see which discounts apply 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, as long as you meet the requirements for each discount. Combining discounts can help you maximize your savings on your insurance premiums.
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. To qualify for State Farm’s good student discount, your GPA must be 3.0 or a 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 a B average.
What State Farm discounts are available for teen drivers?
State Farm discounts for teen drivers include a good student discount that can save up to 25% for qualifying students, while the driver training discount may apply when drivers under 21 complete an approved course.
Teens may also qualify for a student away-at-school discount or savings through the Steer Clear program. Ready to save? Compare auto insurance quotes in your area and find your best rate.
What State Farm discounts are available for new drivers?
State Farm discounts for new drivers include the Steer Clear program, driver training, and good student discounts.
Steer Clear is for drivers under 25 who meet driving-record and program requirements, while driver training savings may apply to younger drivers who complete an approved education course.
How much is a State Farm low-mileage discount?
You might be wondering, “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 2K miles or less can get a 13% State Farm low-mileage discount.
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.
Does State Farm offer a California good driver discount?
Does State Farm offer a driver training discount?
Does State Farm Insurance offer senior discounts?
Why was my State Farm vehicle safety discount removed?
Does State Farm offer a discount for paying in full?
Does State Farm offer a first responder discount?
Does State Farm offer a car rental discount?
What are the State Farm discounts on homeowners insurance?
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