A full coverage car insurance policy from State Farm costs an average of $95 a month, or $1,141 a year. State Farm is less expensive than competitors for a full-coverage policy with bodily injury liability limits of $50,000 per person and $100,000 per accident.
Coverage amount | Average annual rate for Progressive |
|---|---|
Required state minimum | $475 |
Full coverage ($50,000/$100,000) | $1,141 |
Full coverage ($100,000/$300,000) | $1,333 |
You can work with your State Farm agent to make sure you are getting every possible discount, but keep in mind that rates will vary from person to person based on a number of factors, including your ZIP code and your driving history.
State Farm and high-risk drivers
In addition to cheap rates for drivers with clean records, State Farm has lower rates for teens, young adults, and drivers with accidents and moving violations on their record than many other car insurance companies.
State Farm even offers a Steer Clear discount, which offers lower rates for drivers under 25 who complete the company’s app-based driver training program in six months or less. And it’s one of the cheapest options for teens who need to get their own car insurance instead of joining a family’s policy.
Standalone rate for 16-year-old driver | Standalone rate for 18-year-old driver | |
|---|---|---|
State Farm | $318/month | $252/month |
National average | $565/month | $411/month |
And State Farm is also one of the cheapest car insurance companies for drivers with a DUI or accident. According to policycentral analysis, a moving violation like speeding or an accident on your record will raise your car insurance rates by 50-75% with most companies, but State Farm’s rates typically only go up by 10-20% after an accident or moving violation.
After a DUI | After an at-fault accident | |
|---|---|---|
State Farm | $138/month | $120/month |
National average | $263/month | $213/month |
What discounts does State Farm offer?
Accident-free discount: Get a discount if you go three years or more without an accident.
Anti-theft discount: If your car has an alarm or other approved anti-theft device, you could save.
Defensive driving course discount: Take a driver safety course and receive a discount on your coverage.
Driver training discount: Receive a discount if everyone under the age of 21 who drives your car completes a driver education course.
Good student discount: Students ages 16 to 25 can save money on their car insurance by keeping at least a B average or 3.0 GPA.
Multi-car discount: Earn a discount if two or more vehicles in your household are insured by State Farm.
Multiple policy discount: Save up to $1,127 per year if you bundle homeowners, renters, condo, or life insurance alongside auto insurance with State Farm.
Passive restraint discount: Cars made in 1993 or older that are equipped with airbags and seat belts can save up to 40% on their medical-related coverage.
Safety feature discount: Certain safety features can earn you a discount on your car insurance, though which safety features apply varies based on your car make and model.
Steer Clear program discount: Drivers under 25 who successfully complete the Steer Clear program, which includes training modules, mentoring, driving practice, and monitoring through an app, can get a discount on their car insurance.
Student away at school discount: Save if your household includes a student under age 25 who is away at school and only uses the car during vacations and holidays.
How does State Farm Drive Safe & Save work?
State Farm offers a usage-based discount program it calls Drive Safe & Save, which it claims can help you save up to 30% by using a tracking app to monitor your driving behavior. In fact, State Farm drivers can save 10% just by signing up for the program.
To sign up, State Farm customers can text SAVE to 424071 to download the Drive Safe & Save app in the App Store or Google Play. Once the app is downloaded, follow the step-by-step instructions and complete the setup with the Bluetooth beacon (a separate device that allows the company to track your driving behavior without requiring you to log in to the app).
While some car insurance companies use tracking apps to set your rate (which means your car insurance costs can go up or down, depending on your behavior behind the wheel) State Farm guarantees Drive Safe & Save is always a discount and does not increase your rates, even if it records poor driving.
However, your discount will be based on your driving history, so drivers who exhibit high risk behaviors, like speeding or hard braking, will get much smaller discounts than safer drivers.
Also, privacy issues may be a concern for some drivers. While State Farm promises that it doesn't sell your personal information to third parties, there is a disclaimer on the website that your “anonymized” data (with your name or identifying details removed) may be shared with other companies.
If you aren’t comfortable with being tracked while you’re driving, or your information being used in this way, you may want to skip the Drive Safe & Save discount.
State Farm auto insurance state availability
State Farm auto insurance is available in every state except Massachusetts and Rhode Island.
What to expect with State Farm auto insurance
How to get a quote: You can get a State Farm quote online or by working directly with a State Farm agent in your area.
Customer service options: Customers can use the State Farm mobile app to take care of some of their customer service needs, like accessing ID cards and filing a claim. Customers who would rather speak with a State Farm customer care representative can call 800-782-8332.
How to file a claim: Customers can file a claim with State Farm online, through the mobile app, or by calling 800-732-5246.
How to cancel your policy: State Farm customers can cancel their coverage over the phone by calling 800-782-8332, contacting their agent, or sending a letter with their name, address, phone number, policy number, and the date and time they want their policy to end to:
Corporate Headquarters
State Farm Insurance
One State Farm Plaza
Bloomington, IL 61710
If you are sending a letter to cancel your policy, remember to send it at least two weeks before you want your policy to end and to include the information for your new insurance policy or proof of sale for your vehicle.
