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Even with a relatively affordable insurance provider like State Farm, car owners sometimes struggle to pay their premiums. That’s one reason why drivers commonly ask what discounts State Farm provides to reduce potential car insurance costs.
We’ve considered the best car insurance companies and compared State Farm’s savings opportunities to those from other providers. State Farm offers exceptional student discounts and plenty of savings for other drivers, though additional insurers are worth considering as well.
What Discounts Are Available From State Farm?
State Farm has various discount opportunities, but they depend largely on your state of residence. Car owners should maximize the discount programs they’re eligible for to receive the best deal on State Farm auto insurance.
| State Farm Discounts | Discount Description |
| Accident-free discount | Given to drivers who go more than three years without an accident |
| Defensive driving course discount | Available to those over the age of 55 who attend a driver education course |
| Driver training discount | Those under 21 years old can receive a driver’s education car insurance discount |
| Good driving discount | Applies if you’ve gotten no moving violations and caused no accidents in the last three years |
| Good student discount | Given out to high school and college students who get good grades, which counts as a B average or higher |
| Multiple automobiles discount | Lowers rates for those who insure more than one car through State Farm |
| Multiple line discount | Decreases premiums for those who bundle their auto policy with renters, life or homeowners insurance coverage |
| Passive restraint discount | Given out to drivers with older cars that have passive restraint systems such as air bags |
| Student away at school discount | Available for students who attend college and leave their vehicle at home |
| Vehicle safety discount | Newer cars receive lowered rates if they earn strong scores for overall road safety or have anti-theft devices |
The easiest way to discover which auto insurance discounts you qualify for is by reaching out to your local State Farm agent. Remember that your exact savings opportunities will vary, as states like California often have unique discount programs.
There may be more savings such as an anti-theft discount for qualifying State Farm customers who reach out to their insurance agents. Another way to reduce your premiums is by increasing your deductible or by maintaining a clean driving record and a strong credit score.
Additional Ways To Save With State Farm
State Farm has two optional programs that can help drivers find cheap auto insurance premiums. Read on to learn whether State Farm’s telematics program or its safe driver discount could be the right fit for you.
Drive Safe & Save™ Telematics Program
Drive Safe & Save is one of State Farm’s strongest discount programs for responsible drivers. Those who enroll will download a mobile app that tracks their driving behaviors and lowers car insurance rates for those with safe habits behind the wheel.
Motorists who benefit most from Drive Safe & Save are those who rarely drive at night, are low-mileage drivers and rarely find themselves hard braking or accelerating. If you regularly practice risky driving habits, your rates may increase by enrolling in a telematics program.
Steer Clear? Safe Driving Program
This discount is for first-time drivers up to the age of 25, so consider your eligibility before enrolling. If drivers avoid causing an accident or getting a moving violation for more than three years, they can earn up to 15% off of their auto insurance policy.
Steer Clear also includes a driver training component that must be completed for young drivers to receive the discount. All courses must be completed within six months of beginning the training sessions for the Steer Clear program.
Our Recommendations for Auto Insurance
We recommend State Farm and Progressive as solid choices for auto insurance coverage, as each one has relatively reasonable rates and an impressive set of discounts. The best way to find cheap rates usually comes by comparing multiple auto insurance quotes at once.
State Farm: Best Customer Experience
State Farm has over 100 years of experience in providing customers with insurance coverage from its base in Bloomington, Illinois. The company holds a strong J.D. Power customer satisfaction score, showing that most drivers value its services.
Aside from its many discount programs, State Farm car insurance offers rental reimbursement, roadside assistance, rideshare coverage and classic car insurance.
Progressive: Best for Accident-Prone Drivers
We named Progressive the Best for Accident-Prone Drivers because of its willingness to accept those with a bad driving history. Motorists with a DUI, speeding ticket or at-fault accident in their driving record can find affordable rates from Progressive, as can many young and teen drivers.
State Farm Insurance Discounts: FAQ
Does State Farm offer discounts for students?
State Farm has a good student discount for those who have at least a B average in all of their classes. There’s also a student away at school discount for those who leave their vehicles at home during the semester.
What kinds of discounts does State Farm offer?
State Farm offers a good driver discount, a good student discount and savings for policyholders with more than one insurance product. Cars with certain safety features or a strong overall road safety score may also qualify for certain savings.
Does State Farm have a multi-policy discount?
Yes, State Farm does have a multi-policy discount for those who purchase home insurance, renters insurance or life insurance along with their auto coverage plan.
Our Methodology
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
- Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account the types of insurance available, maximum coverage limits, and add-on policies.
- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
- Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
- Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
- Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.
