State Farm Car Insurance Discounts: Full List, Potential Savings, and More
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Written byMandy Sleight
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Table of contents
Discounts are one of the easiest ways to save on car insurance costs. You can stack auto insurance discounts to get the most savings, but not all discounts apply automatically to your policy.
State Farm offers 18 car insurance discounts, according to our research, but availability and savings vary by state. Some of the largest discounts State Farm offers are the good student discount for young drivers and its telematics discount, Drive Safe & Save. Check out the full list of State Farm’s available discounts, how to apply, and other ways to get even more savings.
Full List of State Farm Discounts
State Farm offers a long list of car insurance discounts you may qualify for. Keep in mind that not all discounts are available in every U.S. state, and savings can vary by factors like your driving record, vehicle make and model, and age.
Discount  | Maximum Advertised Savings |
|---|---|
| Accident-free | Not advertised |
| Driver education course | Not advertised |
| Drive Safe & Save | Up to 30% |
| Driver training | Varies |
| Good student | Up to 25% |
| Student away at school | Not advertised |
| Vehicle safety | Varies |
| Anti-theft | Varies |
| Passive restraint | Up to 40% on medical coverage |
| Good driver | Not advertised |
| Steer Clear | Varies |
| Multi-car | Up to 20% |
| Multi-policy | Up to 17% |
| Homeownership | Not advertised |
| Senior | Not advertised |
| Pay in full | Not advertised |
| Loyalty | Not advertised |
| Low mileage | Not advertised |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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State Farm Driving Record Discounts
The most common savings opportunity that car insurance companies offer are driving-related discounts. Here’s how you can qualify for driving record discounts from State Farm:
Driver education course discount: In some states, drivers older than 55 who take a state-approved defensive driving course can qualify for a driver education course discount.
Driver training discount: Drivers younger than 21 can get a driver training discount after completing a company-approved driver education course.
Good driving discount: The safe driving discount is available if all household drivers have been ticket- and accident-free for the last three years.
Steer Clear safe driving discount: Drivers younger than 25 with a clean driving record who complete State Farm’s Steer Clear program can qualify for this discount.
Low mileage discount: Drive less than 7,500 miles per year to get the low mileage discount.
If you’ve been a State Farm policyholder for at least nine years and have no at-fault accidents, you can also qualify for accident forgiveness. It prevents a surcharge and preserves your accident-free discount if you get into an at-fault accident.
State Farm Vehicle Discounts
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You may be eligible for a State Farm vehicle discount depending on the type of car you drive and the equipment installed. Here are the vehicle-related discounts State Farm offers:
Vehicle safety discount: You may qualify for a vehicle safety discount if your car is model year 1994 or newer and has certain safety features. The discount you receive depends on your make and model’s specific safety record.
Anti-theft discount: You can receive an anti-theft discount if your car has a qualifying anti-theft device, such as a car alarm or GPS.
Passive restraint discount: The passive restraint discount is for cars from 1993 and older vehicles with factory-installed airbags or another passive restraint system, like automatic seat belts. You can save as much as 40% on medical-related coverages such as personal injury protection (PIP) and medical payments coverage.
State Farm Age-Related Discounts
Some discounts are available for specific age groups, mainly young drivers and seniors. State Farm offers the following age-related discounts:
Good student discount: Full-time students younger than 25 with a B or better high school or college GPA can qualify for up to 25% in savings.
Student away at school discount: If you’re younger than 25 and go to school at least 100 miles away from home and don’t take a vehicle, you may be eligible for the student away at school discount.
Senior discount: Get savings on your basic PIP coverage in some states if you’re older than 65 and have drivers younger than 25 on your insurance policy.
State Farm Payment Discounts
Payment flexibility can help you save on your car insurance policy. Although many insurance companies offer discounts for going paperless or setting up automatic payments, State Farm only offers a discount for paying your bill in full rather than making monthly installment payments.
State Farm Loyalty Discounts
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Being loyal to one insurance company has its perks with some insurers, including State Farm. Here’s a look at loyalty discounts available from State Farm:
Multi-car discount: Insure more than one vehicle with State Farm to save up to 20%. Vehicle owners must be related to qualify.
Multi-policy discount: Bundle your auto and home, condo, renters, or life insurance with State Farm to qualify for the multi-policy discount and get up to 17% in savings.
Loyalty discount: If you have an eligible vehicle insured with State Farm for at least three years, you can earn a loyalty discount. The discount may increase every year you stay insured, for up to six years.
State Farm Telematics Discounts
Usage-based programs are becoming increasingly common in the auto insurance industry. You can earn a discount in exchange for letting your insurance company track your driving habits and mileage.
Enroll in State Farm’s Drive Safe & Save telematics program to get an initial discount of 10%. You can earn an additional discount of up to 30% depending on your driving habits and how many miles you drive. The discount may change at each policy renewal based on your driving habits from the previous year.
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See if Drive Safe & Save is Right for You
How to Add Discounts to Your State Farm Policy
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State Farm will automatically add some discounts to your auto policy when you qualify for them, like loyalty, safe driving, multi-car, and multi-policy discounts. But some discounts have requirements you must meet to add them to your State Farm policy.
For example, to qualify for the Steer Clear discount, young drivers must complete the Steer Clear safe driving program, which includes trip tracking and watching driving behavior videos. You must also have no tickets or at-fault accidents in the past three years.
To get State Farm’s defensive driver course discount, you must complete a state-approved defensive driving course, provide the completion certificate to State Farm, and live in a qualifying state.
Other Ways to Save With State Farm
Although State Farm offers an extensive list of car insurance discounts, it’s not the only way to save on your insurance policy. Here are other ways to save with State Farm:
Improve your credit. Most states allow insurance companies to use your credit and bill-paying history to determine your car insurance premium. Improving your credit may help you save on your auto policy.
Consider dropping full coverage. If your vehicle is older and paid off, and you can afford to repair or replace it if you get into an accident, you may no longer need comprehensive and collision insurance.
Buy an affordable vehicle. Insurance costs can vary widely by vehicle make and model. If you’re in the market for a new car, consider getting a quote for several vehicles to find one with the cheapest insurance rates.
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State Farm Insurance Discount FAQs
We answered common questions about State Farm car insurance discounts.
How many car insurance discounts does State Farm offer?
State Farm advertises 18 car insurance discounts, according to our research. But discount availability can vary by state, so it’s a good idea to check what discounts are available from a local State Farm agent to maximize your savings.
How much can you save with State Farm car insurance discounts?
Savings vary for State Farm car insurance discounts. For example, you could save up to 20% by insuring more than one vehicle or up to 17% if you insure your homeowners and car insurance with State Farm. Most discounts are stackable to maximize how much you can save.
Can you stack car insurance discounts with State Farm?
Yes. You can stack State Farm discounts to get more savings on your car insurance policy. For example, if your child is in college more than 100 miles away from home and has a B or above GPA, they can qualify for the good student and student away at school discount.
What are some of the best car insurance discounts?
The best car insurance discounts can vary based on your state and eligibility requirements. That said, the largest discount savings are typically from telematics programs and insuring multiple vehicles and insurance policies with the same insurance company.
Does State Farm offer a discount if you have a dash cam?
No. Although a dash cam can record critical car accident information to help determine fault, most insurance companies, including State Farm, don’t offer a discount if you have a dash cam in your vehicle.
Sources:
Insurance Information Institute, “Nine ways to lower your auto insurance costs,” accessed January 13, 2025.
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Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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