State Farm offers several teenage driver discounts, including a good student discount, a driver training discount, and a student away at school discount. Teenage drivers can also qualify for other State Farm discounts that are available to drivers of any age.
State Farm Teenage Driver Discounts
Good Student Discount: If your teen gets good grades, you could save up to 25% on your auto insurance policy, and the savings could last until your child turns 25 years old.
Driver Training Discount: If all the operators of your vehicle who are younger than 21 years old complete an approved driver education course, you could qualify for a discount.
Student Away at School Discount: If a driver younger than 25 years old is away at school and either not driving or only using a car on the policy while at home during school vacations, you could qualify for a discount.
Safe Driving Habits Discounts: If a teenage or inexperienced driver participates in State Farm’s Steer Clear or Drive Safe & Save programs, you could qualify for a discount.
Getting State Farm’s teenage driver discounts is easy as long as there’s a qualified driver listed on the auto insurance policy. Simply contact State Farm to make sure you or a teen listed on your policy meet the eligibility requirements, which vary by discount and state, and complete any requirements, like sending in report cards or proof of completing a program. Finally, confirm the proper teenage driver discounts are being applied to your auto insurance bill.
State Farm roadside assistance is worth it for drivers who are looking for basic coverage at a low price. State Farm customers can purchase roadside assistance as a policy add-on for around $15 per six-month policy in order to get coverage for things like towing, gas delivery, and locksmith services.
Towing to the nearest repair location, if the car isn’t in drivable condition.
Mechanical or locksmith labor at the breakdown site for up to one hour.
Towing if the vehicle is stuck on or next to a public road.
Delivery of gas, oil, a car battery, or tires in order to make the car drivable.
State Farm roadside assistance does not include extraction of your car from mud, snow, or water. Additionally, drivers will need to pay out of pocket for gas, oil, or any other item that is provided, though the delivery itself is included. Since State Farm roadside assistance is fairly basic compared to the roadside assistance provided by an auto club, it might not be worth it for drivers who want robust coverage and extra perks.
State Farm Roadside Assistance Reviews
State Farm roadside assistance ranks 10th out of 22 companies in WalletHub’s analysis of the best roadside assistance providers. Despite its low cost, State Farm roadside assistance offers only average coverage and does not allow customers to choose between multiple levels of coverage.
State Farm Reviews and Ratings
Reviews on WalletHub: 3.8/5
J.D. Power: 4.2/5
Major insurance companies that rank above State Farm when it comes to roadside assistance include Travelers, Nationwide, and Progressive, since they offer more coverage options.
How to Decide If State Farm Roadside Assistance Is Worth It for You
Your driving habits and budget are the most important factors when deciding if it’s worth purchasing roadside assistance through State Farm. If you have a long commute or frequently take road trips far from home, State Farm might not provide enough coverage for you. On the other hand, drivers who do not anticipate needing winching or long-distance towing will find State Farm to be a budget-friendly choice.
If State Farm roadside assistance does not offer enough coverage for your specific needs, it’s a good time to compare quotes and see if it’s worth switching insurers. Otherwise, you can always maintain your State Farm policy and purchase roadside assistance from an auto club like Better World Club or Good Sam. Auto clubs are generally more expensive than State Farm roadside assistance but provide more coverage along with added discounts and perks.
You can get a State Farm good student discount if you have at least a B average. Student drivers can save up to 25% as long as they are 16-25 years old and enrolled full-time in high school, college, or homeschooling. Homeschooled students can also qualify if they score in the top 20% of a national test such as the PSAT, SAT, or ACT.… read full answer
State Farm Good Student Discount Requirements
B average (or a 3.0 GPA, top 20% class rank, or honor roll)
Under 25 years old
Full-time high school or college student
Why State Farm Offers a Good Student Discount
Young drivers are usually quite expensive to insure since they lack driving experience. However, State Farm offers a good student discount because having good grades shows the insurer that you are responsible off the road, meaning you’re more likely to be responsible in the driver’s seat as well.
State Farm good student discounts vary by state, but it’s always worth the effort of checking if they are available in your location. Check out WalletHub's guide for more information on State Farm discounts.
It costs an average of $1,461 per year to add a teenager to your car insurance policy - an increase of 173% compared to the average driver's premium. The exact amount your insurance will go up depends on many factors, including where you live, your driving history, and your credit score.… read full answer
The most affordable way to cover a teen is to add them to your policy sharing the family car. Adding both a teen driver and a new vehicle to your policy would be more expensive than just adding your child as a listed driver on cars you’re already paying to cover. Adding a new car creates the need for more coverage, which costs more. It’s also way more expensive to get your teenager an individual policy, separate from your own, because sharing a policy with a more experienced driver brings rates down.
Below you can see how adding a 16-year-old driver to an existing policy compares to paying for a separate policy. Quotes assume Geico coverage and a 2014 Hyundai Sonata that is shared between the primary policyholder and the teen driver.
Cost of Adding a Teenager to Car Insurance
Age of Primary Driver
Primary Driver Only
Add Teenager to Existing Policy
Get Teenager an Individual Policy
Note: Sample quotes are based on a 16-year-old driver.
Having a young driver on the policy can have drawbacks for the primary policyholder. Because your policy will pay for their claims, your teen’s driving habits become part of your insurance history. If your child gets into an accident, you will see premiums go up for everyone listed on the policy. Teens are risky drivers and four times more likely to crash, so your rates could definitely be affected. Premiums increase for about three to five years after a claim.
On the bright side, you’ll be eligible for discounts your teen might not be, like bundling with homeowner’s coverage. Plus, you may be eligible for additional discounts if your child has good grades, attends driver education courses, or takes a defensive driving class.
Most car insurance companies will require teenagers who live with parents to be listed on the parents’ policy. If you’re a parent of a teen with a learner’s permit, your teen should be typically covered by your policy with no action necessary on your part. But as soon as a teen driver is licensed, you’ll need to add them to your policy or prove that they are either insured or permanently residing elsewhere.
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