How can I get the State Farm safe driver discount?

Yes, State Farm does offer student discounts and these discounts can save drivers up to 25% on their premiums. State Farm has a good-student discount and a student-away-at-school discount, as well as a driver-training discount for young drivers who complete an approved driver-education course.

State Farm Student Discounts

Good-Student Discount

The State Farm good-student discount can save you up to 25% on your auto insurance when a full-time high school or college student on your policy maintains a 3.0+ GPA, is ranked in the top 20% of their class, or is named to the Dean’s List/Honor Roll in a given semester. Students must send a report card from the immediately preceding semester to State Farm to qualify for the discount. The savings will last until a student turns 25 years old, even after they’re out of school.

Young drivers who have earned an associate or bachelor's degree and meet one of the above requirements can qualify for the discount, too. Homeschooled students can also be eligible for the discount if they show that they ranked in the top 20% of their class in a national standardized test taken within the past year.

Student-Away-at-School Discount

The State Farm student-away-at-school discount will save you money on car insurance if one of the drivers listed on your policy is a student under the age of 25 who doesn’t take a vehicle to school (located at least 100 miles away from home) and only drives when they’re visiting home. State Farm does not disclose a specific amount for this discount, as it varies by customer.

Driver-Training Discount

The State Farm driver-training discount will save you money on your auto insurance policy if all the drivers under the age of 21 listed on the policy complete a driver safety course that’s approved by State Farm. State Farm does not disclose a specific amount for this discount, either.

Finally, State Farm lets you apply multiple student discounts to your auto insurance policy, as long as a listed driver meets the qualifications for each one. You’ll just have to submit proof of eligibility to State Farm before each discount will go into effect.

To get a safe driver discount on car insurance, drive without accidents, violations, or claims for three or five years. Nine of the 10 largest insurance companies offer a safe driver discount, with slightly different requirements. However, every insurer rewards safe driving, even if they don’t advertise this specific discount.

Some insurance companies, like Geico, offer a good driver discount instead, but the intent is the same: lowering costs for careful customers. Since insurance companies calculate premiums based on how likely a customer is to file a claim, insurers prefer drivers with a clean driving record. However, each company’s eligibility requirements for a safe driver discount differ slightly.

Safe Driver Discounts by Company

Most major insurance companies also offer savings to good drivers through usage-based insurance. These programs include big names like State Farm’s Drive Safe and Safe, Progressive’s Snapshot, and Allstate’s Drivewise. Usage-based insurance tracks driving habits and mileage, and personalizes rates based on an individual’s specific behavior. As a result, safe drivers, especially those who drive fewer miles than the average of 13,500 a year, can save up to 30% with State Farm or $145 on average with Progressive.

Finally, even if you don’t qualify for a safe driver discount from your current insurer, you can always check quotes from other companies to make sure you’re getting the best deal. It’s also a good idea to check out other money saving opportunities with our guide to car insurance discounts.

State Farm does not disclose the amount of its safe driver discount. The company offers a variety of discounts for policyholders that maintain a clean driving record, from their good driving discount, to their accident-free discount and even their steer clear discount. Some of the discounts they offer, such as their steer clear discount, can even get drivers up to 30% in savings.... read full answer

State Farm policyholders can also enroll in their Drive Safe & Save telematics program, which can help them save up to 30% on their insurance by simply engaging in a more healthy driving behavior. Keep in mind however that State Farm discounts can vary by state, so it's best to contact a local State Farm agent to discuss the discounts you're eligible for.