Does State Farm Have Good Car Insurance Discounts?
Which car insurance discounts can you get from State Farm—and how much could they lower your insurance costs?
Written by R.E. Fulton
Reviewed by Kathleen Flear
From good driver discounts to a massive rate drop for vehicles equipped with certain safety tech, State Farm offers a range of car insurance discounts that could save drivers up to 50% on their premiums.
Finding
cheap car insurance
that meets your needs isn’t just about getting the lowest quote. Savvy car owners know to ask about discounts as well. Insurance companies won’t always advertise the full range of discounts they offer, talking to an insurance agent could help you find significant savings without raising your credit score or moving to a cheaper ZIP code. What auto insurance discounts does State Farm offer?
State Farm’s auto insurance discounts essentially fall into three categories: safe driving discounts for drivers who prove they’re reliable on the road, vehicle discounts for cars equipped with certain safety and security tech, and policy discounts based on loyalty and payment options.
If you qualify for more than one type of discount, State Farm allows drivers to stack discounts, meaning that your savings can add up quickly!
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State Farm safe driver discounts
Insurance companies love to know that policyholders are maintaining safe driving habits, so they’ll typically knock a certain amount off of your premium if you can demonstrate those good driving behaviors. Here are State Farm’s safe driver discounts:
- Drive Safe & Save™: This optional telematics program allows State Farm to track your driving in real time using your smartphone or OnStar® device. You’ll get a discount just for signing up and downloading the mobile app! Possible savings: 10% to 30%.
- Good student discount: No,getting good gradesdoesn’t automatically translate to safe driving, but it shows responsibility. To qualify, drivers must be under 25 years old and have a GPA of 3.0 or higher. Possible savings: up to 25%.
- Accident-free discount: State Farm customers who go at least three years without a chargeable accident on their record receive a discounted rate. Possible savings: up to 25%.
- Good driving discount: New State Farm customers can get a discounted rate right away if they’ve gone three years without violations or at-fault accidents. Possible savings: Varies based on vehicle and location.
- Steer Clear®: New drivers or drivers under 25 years of age with no tickets or accidents in the past three years can save with the Steer Clear program, which uses videos and quizzes to teach safe driving techniques. Possible savings: up to 15%.
- Driver training discount: If all drivers on your policy who are under 21 years old complete a driver training course approved by State Farm, you’ll qualify for a discounted rate. Possible savings: up to 15%.
- Distant student discount: If one of the drivers on your policy is a student away at school at least 100 miles from home, you might qualify for a discounted rate. Possible savings: Varies based on vehicle and location.
- Defensive driving course discount: In some states, you can take an approved defensive driving course to get a discount on your insurance policy. Possible savings: about 5%.
- Low mileage discount: For drivers that travel less than 7,500 miles a year, State Farm offers a lower rate. Possible savings: Varies based on vehicle and location.
State Farm vehicle discounts
Insurance companies use your vehicle’s make, model, and age to help set your insurance premiums. In general, conservative SUVs with strong safety ratings have the lowest premiums, while high-powered
sports cars
and luxury vehicles
have the highest rates. But you can lower the cost of insuring your car with State Farm in a few simple ways: - Vehicle safety discount: If your vehicle was made in 1994 or later, State Farm may offer a discounted rate on medical-related insurance coverage likemedical payments (MedPay)orpersonal injury protection (PIP). Possible savings: up to 40%.
- Passive restraint discount: For vehicles manufactured before 1993, State Farm offers discounted rates on medical-related coverage for models equipped with factory-installed airbags and other passive restraints. Possible savings: up to 40%.
- Anti-theft discount: If you install ananti-theft devicesuch as an alarm that’s approved by State Farm, you could get a discounted rate. Possible savings: up to 15%.
- Anti-lock brakes: If your vehicle hasanti-lock brakes (ABS), you can get a discounted rate on your State Farm auto insurance policy. Possible savings: up to 5%.
MORE: Good driving record discounts, explained
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Finally, let’s look at how State Farm rewards drivers who purchase multiple policies or opt for paperless billing.
- Multiple auto discount: Iftwo or more vehiclesin your household are covered by a State Farm car insurance policy, you’re eligible for significant savings. Possible savings: up to 20%.
- Bundling discount: Customers who purchase other State Farm insurance products, such as life insurance,home insurance, or renters insurance can earn multi-line discounts on all their policies. Possible savings: up to 17%.
- Paperless billing: It’s small, but worth knowing about: State Farm will give a mini-discount to policyholders who opt for paperless auto billing. Possible savings: $2.
MORE: Continuous insurance discounts, explained
Does State Farm have good car insurance discounts?
State Farm’s discount offerings are competitive—especially for young drivers, families, and anyone with a
clean driving record
. However, other car insurance companies may offer discounts that State Farm doesn't have. For instance,
Progressive
and Travelers
give discounted car insurance rates to policyholders who are homeowners—even if their home isn’t insured by the same company. Companies like Allstate
and American Family offer discounts to new customers just for switching! With just 13 core discounts, State Farm has fewer insurance discounts available than most insurance companies, so it all depends on your eligibility. Be sure to review your coverage options, talk to a State Farm agent, and compare insurance quotes from at least two or three other providers before buying a policy.
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Does State Farm offer a military discount?
State Farm only offers a military discount to policyholders in the state of Louisiana. If you’re an active-duty military member based in Louisiana, you’re eligible for a 25% discount on your State Farm policy.
What is the State Farm senior discount?
State Farm doesn’t offer
a senior discount
. While seniors are likely to find lower rates with State Farm based on statistical risk levels, you won’t be able to qualify for a special discounted rate. However, if your state requires insurance providers to give discounted auto insurance rates to seniors who take driver education courses, State Farm will comply with those requirements.
