Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 24, 2020

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Things to remember

  • State Farm auto insurance currently has more than 80 million active policies in the United States
  • This insurance company offers 19 unique discounts for auto insurance policies
  • There may be other ways for you to save money on auto insurance beyond discounts

Most drivers are legally required by their state to purchase auto coverage, and many drivers also have additional requirements imposed on them by their auto lender.

Before you begin looking for an insurance provider, it is important that you learn more about the insurance requirements in place for you.

Remember that many drivers often will purchase more than the minimum coverage types and limits required, and this is because insurance can reduce your out-of-pocket expenses if you are involved in an accident or need to file another type of claim against your policy.

After all, any expenses not covered by your auto insurance policy are your financial responsibility.

As you might imagine, it can be expensive to purchase the full amount of coverage that you need, and you may be wondering what you need to do to save money on your insurance.

What discounts does State Farm offer? Let’s look at that and more.

It’s always best to shop around to find the best rate. Compare hundreds of companies at once with our FREE tool. Just enter your ZIP code above to compare companies near you.

Table of Contents

State Farm Auto Insurance Discounts and Savings

How can I lower my State Farm car insurance? Does State Farm offer low mileage discount? How much is the State Farm safe driver discount? Is there a good student discount with State Farm?

State Farm is one of the most popular auto insurance companies in the United States, and Canada.

It currently has more than 80 million policies issued in these two countries, and 44 million of those policies are for auto insurance.

With State Farm’s popularity and exceptional reputation in the industry, you may be thinking about getting a quote for coverage from this insurer.

Like many auto insurance providers, State Farm offers numerous auto insurance discounts that can help consumers to save money.

The table below shows available auto insurance discounts from State Farm.

State Farm Auto Insurance Discounts
DiscountsState Farm
Adaptive Cruise ControlNo
Adaptive HeadlightsNo
Anti-lock BrakesYes- 5%
Anti-TheftYes- 15%
Daytime Running LightsYes- 15%
Electronic Stability ControlNo
Utility VehicleNo
Vehicle RecoveryYes- 5%
VIN EtchingNo
Lane Departure WarningYes- 15%
Newer VehicleYes- 50%
Green VehicleNo
Forward Collision WarningNo
Claim FreeYes- n/a
Continuous CoverageNo
Defensive DriverYes- n/a
Distant StudentYes- n/a
Driver's EdYes- n/a
Driving Device/AppYes- n/a
Early SigningNo
Emergency DeploymentNo
Engaged CoupleNo
Family LegacyNo
Family PlanNo
Farm VehicleNo
Fast 5Yes- 25%
Federal EmployeeNo
Full PaymentYes- 3%
Further EducationNo
Good CreditYes- 30%
Good StudentNo
Life InsuranceNo
Low MileageNo
Membership/GroupYes- 17%
MilitaryYes- 20%
Military GaragingNo
Multiple DriversNo
Multiple PoliciesNo
Multiple VehiclesYes- 40%
New AddressNo
New Customer/New PlanNo
New GraduateNo
Newly LicensedNo
Occasional OperatorNo
On Time PaymentsYes- $2
Online ShopperYes- 40%
Paperless DocumentsNo
Paperless/Auto BillingYes- n/a
Passive RestraintYes- n/a
Recent RetireesYes- 15%
Roadside AssistanceNo
Safe DriverYes- 15%
Seat Belt UseNo
Senior DriverNo
Stable ResidenceNo
Students & AlumniYes- 5%
Switching ProviderNo
Young DriverNo
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As you can see, there are many discounts that may be available for your State Farm auto insurance.

This video from State Farm is one of their many commercials talking about how everybody is eligible for some discounts.

A State Farm discount due to the coronavirus has been offered in the form of a refund, along with many other insurers. Auto insurance for parked cars is now more needed with fewer commuters.

This State Farm Covid-19 discount was in the form of a 25 percent credit to customer bills.

State Farm Auto Insurance Vehicle Discounts

Because of how important the insured vehicle is to the cost of a claim as well as to your potential risk for being involved in an accident, State Farm is one of the many insurance companies that offers auto insurance discounts that are related to the insured vehicle.

These discounts are for:

  • Vehicle recovery
  • Passive restraint
  • An anti-theft feature
  • A newer vehicle
  • A driving device
  • Anti-lock brakes

The newer and safer your vehicle is, the more discounts you’ll be eligible for.

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State Farm Auto Insurance 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 the driver, and these include:

  • Having good credit scores
  • Having a claims-free driving record
  • Being a defensive driver
  • Being a distant student
  • Being in the military
  • Being married
  • Being a homeowner
  • Driving a low number of miles regularly

The State Farm low mileage discount is for 7,500 miles or fewer per year.

State Farm Auto Insurance Billing Discounts

You may be pleased to discover that State Farm also offers several discounts to policyholders based on how you set up your bills.

For example, you may be able to save money on your auto insurance policy if you request paperless billing statements.

Setting up an automated withdrawal for your premium can also result in a modest discount.

Other Discounts Available for State Farm Auto Insurance

While these are the more common ways for drivers to save money on auto insurance with State Farm, there are other discounts available as well.

State Farm also offers life insurance and home insurance with competitive rates. If you obtain an additional type of coverage with State Farm and bundle your coverage together, you may qualify for a discount.

Another idea is to combine your coverage for multiple drivers or cars under one policy.

Before you move forward with this option, consider shopping around to determine if a better is available for one of your vehicles or drivers through another insurance company.

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Exploring Other Ways to Save on Auto Insurance

Using State Farm’s auto insurance discounts is a great way to save money on the coverage you need, there are other ways to save money as well.

In fact, regardless of which provider you choose to buy your coverage from, you may be able to reduce your premium through these strategies.

Raise Your Auto Insurance Deductible

An insurance deductible is only paid by the insured when you file a claim. 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 premium will be lower.

Adjust Auto Insurance Coverage Types and 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.

Learn more about the different types of coverages and their benefits as a first step. Then, work with your insurance agent to set reasonable limits on your coverage.

Save on Auto Insurance If You Move to a New Area

The zip code where you live plays a major role in your insurance premium. Statistical details regarding theft, accidents, commute times, and more are reviewed.

In some cases, simply moving one or two zip codes over can result in tremendous premium savings.

Save on Auto Insurance if You Buy a Different Car

Insured vehicles are also reviewed statistically. A vehicle’s power, acceleration speed, accident statistics, replacement value, and other details impact insurance rates.

If you are preparing to buy a new car soon, ask your insurance company for quotes before deciding which make and model to buy.

Improve Your Credit Rating to Save on Auto Insurance

Insurance companies also review credit ratings before issuing a rate quote.

Those with higher credit ratings may qualify for better insurance rates. Determine your current credit rating, and take steps to improve it over the next few months.

Understanding What Factors Affect Auto Insurance Rates

Before you shop around and compare rates for coverage, it is important to understand why different auto insurance companies offer different rates.

All insurance companies review the same basic factors to determine your rates, and these factors may include:

  • Your age and your gender
  • Your driving history and past claims status
  • Statistical information for your residential zip code
  • The distance you normally travel
  • The type of car that is being insured
  • Your desired coverage types and limits

While each insurance company may review the same factors to calculate rates, they each view these factors differently.

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 accidents on your driving history within the last five years.

Frequently Asked Questions- What discounts does State Farm offer?

We’ve added a few more FAQ below.

#1. 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 discounts, though these are common with some other insurers.

#2. What are the State Farm home insurance discounts?

State Farm’s site lists several home insurance discounts, such as:

  • Multiple Line Discount
  • Home Alert Protection Discount
  • Roofing Discounts

Your can also choose a plan with a higher deductible.

#3. 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 Company Ratings
AM BestA++
Better Business BureauA+ (Milwaukee, WI)
Moody’sAa1 (State Farm Life)
NAIC Complaint
Index Ratio
0.49 (2018)
J.D. Power4/5 (Overall Satisfaction)
Consumer Reports89
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State Farm has great ratings with AM Best for financial strength, JD Power for customer satisfaction, and more.

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Getting Quotes for Coverage

Saving money on auto insurance is a common goal. State Farm is certainly one of the best companies for auto insurance, but it’s not the only one.

While you may want to get a quote from State Farm and explore discounts from this insurance company, it is wise to request several quotes from other reputable insurance providers as well. This can be easily done with our FREE tool! Just enter your ZIP code below.