There are 13 State Farm discounts for car insurance customers, which range from discounts for good students and accident-free drivers to discounts for cars with safety features. State Farm’s discounts can save drivers up to 30% on their car insurance policies, and combining multiple discounts can result in even more savings.
State Farm’s car insurance discounts are divided into three main groups: safe driver discounts, vehicle safety discounts, and customer loyalty discounts. These discounts are available to any driver listed on a policy, but they only apply once if multiple drivers qualify for the same discount. The availability and eligibility criteria also vary by state.
State Farm Safe Driver Discounts
State Farm offers discounts to customers who maintain accident-free driving records or who educate themselves on how to become better drivers. Eligible drivers are generally viewed as being a lower risk behind the wheel by State Farm and other insurance companies.
- Accident-Free Discount: When you’ve had an auto insurance policy with State Farm for at least 3 consecutive years without a chargeable accident, you could qualify for a discount of up to 25%.
- Defensive Driving Course Discount: Completing a driver safety course could mean you qualify for a discount on your State Farm car insurance policy, depending on where you live. Ask your local State Farm agent for a list of approved courses and their requirements.
- Student Away at School Discount: If one of the drivers listed on your State Farm auto insurance policy is a student (under the age of 25) who goes away for school and only uses a covered vehicle while visiting home, you could get a discount.
- Good Driving Discount: New State Farm customers can get this discount if they've gone at least three years without an at-fault accident or traffic ticket.
- Driver Training Discount: You could qualify for a discount if all the drivers on your policy who are younger than 21 years old complete a driver education course approved by State Farm.
- Good Student Discount: State Farm customers can save up to 25% if a student listed on a policy gets good grades (3.0+ GPA, top 20% of class, or qualifying test scores). The student must be 16-25 years old and enrolled full-time in high school, college or home schooling, and the discount will apply until the student turns 25.
- Drive Safe & Save Discount: Save up to 30% by participating in State Farm’s optional Drive Safe & Save program. The program uses information about your driving that’s collected by your smartphone or your vehicle's OnStar®device to calculate your discount.
- Steer Clear® Discount: You could save up to 15% while learning to become a safer driver with State Farm’s Steer Clear discount. Drivers under the age of 25 with no at-fault accidents or traffic tickets in the past three years can participate.
State Farm Vehicle Safety Discounts
If you have a car with modern safety features, whether it’s a new model or an older car that’s been equipped with air bags, anti-theft alarms, etc., you could get a discount from State Farm.
- Vehicle Safety Discount: You could save up to 40% on medical-related coverage if your vehicle was made in 1994 or later, depending on the repair record for your vehicle’s make and model.
- Passive Restraint Discount: You can get a discount of up to 40% on medical-related coverage if your older vehicle (older than a 1993 model) is equipped with a factory-installed air bag or other passive restraint system.
- Anti-Theft Discount: If your vehicle has an alarm or another anti-theft device that’s approved by State Farm, you could get a discount.
State Farm Loyalty Discounts
State Farm offers discounts when you have multiple vehicles insured with State Farm, or multiple insurance policies with the company.
- Multiple Auto Discount: You could save as much as 20% on your policy if State Farm insures two or more vehicles in your household. The vehicles must be owned by related or married individuals.
- Multiple Line Discount: You could save up to 17% by combining State Farm auto insurance with a homeowners, renters, condo, or life insurance policy.