Do all State Farm agents charge the same amount?

Yes, all State Farm agents charge the same amount. Like most major auto insurance providers, State Farm mostly bases your rates on your coverage limits, deductibles, vehicle, driving habits, location, driving record, credit history, age, gender, and marital status, depending on your state.

Reasons you may end up with different rates from different agents could include providing the agents with different information about yourself, asking for different types of coverage, selecting different deductibles, or applying different discounts to your policy. According to State Farm customer service, your insurance premiums will never vary based solely on which agent is providing the quote.

However, not all State Farm agents receive the same commissions. Commissions from State Farm are typically a percentage of the annual revenue from any policies agents sell, and this percentage usually varies based on seniority and job performance. Agents who receive higher commissions will simply receive a higher percentage of your premiums, and they will not charge you more.

Major Factors That Determine Your State Farm Car Insurance Rates

• Coverage types, limits and deductibles. Higher auto insurance limits and more types of coverage will provide greater protection but will also make your premiums more expensive. Likewise, choosing a lower deductible will mean you will have to pay less out of pocket in the event of a claim, but you will have to pay more for your premiums.
• Vehicle(s). Your insurance rates will be affected based on the age, make, and model of your car. For instance, newer cars, luxury or sports cars, and cars with low safety ratings will likely increase your premiums.
• Driving habits. According to State Farm, your premiums will likely be higher if you have a high annual mileage since this increases the likelihood of an accident.
• Drivers in big cities tend to pay more for car insurance, according to State Farm, due to higher rates of vandalism, theft, and accidents.
• Driving record. Drivers with violations on their driving record from the past 3-5 years will likely see higher car insurance rates than drivers with a clean driving record. Major traffic violations, like a DUI, will likely affect your insurance rates for longer.
• Credit history. According to State Farm, having a good credit score may lower the cost of your car insurance. Typically, auto insurance companies will assign you an auto insurance score based on your credit score in order to determine your premiums.
• Age and marital status. Younger drivers tend to pay more for car insurance than older, more experienced drivers. Married drivers also tend to pay less for car insurance since insurers tend to view a driver who is married as more responsible and therefore less likely to be involved in a car accident.

To learn more, check out WalletHub’s complete review of State Farm insurance, as well as our picks for the cheapest car insurance companies.