You cannot get a State Farm affiliation discount, since State Farm does not offer discounts for members of affiliated companies or organizations, as some other insurance companies do. You can still save on a State Farm car insurance policy with other discounts, however, such as the good driving discount, good student discount, or multiple line discount.
If your organization is affiliated with a specific insurer, you may want to consider switching to that insurance company. If not, the best way to find car insurance savings is to compare multiple quotes in order to identify the cheapest policy for your needs.
Yes, State Farm does have a military discount of 25% off a customer’s auto insurance premium, but only in Louisiana. The State Farm military discount is available to eligible members of the United States Armed Forces community who are based in Louisiana or whose spouse and/or dependents live there.
Louisiana is the only state that requires car insurance companies to offer military discounts, so servicemembers and their families based in Louisiana will save on their car insurance premiums regardless of the company. To ask State Farm to apply a military discount to your policy, call 1 (800) 782-8332.… read full answer
State Farm Military Discount Eligibility Requirements
Active duty in the military and based in Louisiana
Active duty in the military, deployed out of state or overseas, but spouse and/or dependents live in Louisiana
Spouse or dependent (under the age of 18 or an unmarried full-time student under the age of 24) in the same household of an individual who is on active duty in the military and based in Louisiana
Yes. State Farm insurance rates are competitive. State Farm ranks 3 overall in WalletHub’s national cheap car insurance study. The average cost of a full-coverage State Farm car insurance policy is $341 per month. You can also find sample rates for six different driver profiles below.
Overall, State Farm's auto insurance rates tend to be lower than those charged by most other major insurers, including Nationwide, Allstate, and Travelers.
State Farm is a strong contender for customers who still want the personalized attention of an individual agent. State Farm has one of the best reputations in the auto insurance industry, with excellent customer service and claims support.
State Farm’s car insurance rates are based on your driving record and experience, along with a variety of other factors like the type of car you drive, your zip code, insurance history, and more. Your coverage and deductible choices impact the final quote, too, as do your eligibility for discounts.
Our sample quotes are representative of State Farm’s insurance prices, but individual results will vary. For example, these quotes do not take into account any State Farm discounts, which can lower premiums significantly. To learn more about how we obtained these sample quotes, check out the methodology section of our complete State Farm car insurance review.
Ultimately, knowing that State Farm is among the cheapest major auto insurance companies is only a starting point as you shop for coverage. The best car insurance for your needs must not only fit into your budget, but also provide quality coverage and excellent customer service, too.
You can lower your State Farm car insurance costs by taking advantage of State Farm discounts, opting for a higher deductible, and reducing your coverage, among other things. State Farm considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from State Farm
Use State Farm’s auto insurance discounts
State Farm offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of up to 25% if they've been insured with State Farm for at least three continuous years without an accident . Or you can save up to 25% on your premium if a high school or college student listed on your policy maintains at least a 3.0 GPA.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from State Farm can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.
Improve your driving record
Practicing save driving habits and avoiding moving violations can help you qualify for lower State Farm insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. State Farm even offers a 10-15% discount to drivers who take an approved defensive driving course.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, State Farm uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your State Farm premium.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from State Farm to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Sign up for Drive Safe & Save
Drive Safe & Save, the State Farm telematics program, rewards you for good driving with a discounted premium. Specifically, Drive Safe & Save tracks miles driven, acceleration, braking, turns, speed, and distracted driving. By using Drive Safe & Save, drivers can save up to 50% on their rate.
Finally, if you’re still struggling to afford your State Farm policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
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