Best State Farm Auto Insurance Discounts in 2025 (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. 

 

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

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.

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.
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.

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.

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

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

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.

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

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.

Top Usage-Based Auto Insurance (UBI) Programs

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

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.

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

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

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

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

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

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.