State Farm Car Insurance Pricing in 2025

Our research shows that State Farm ranks among the five best-priced auto insurance companies. Its average annual premium for full coverage is $2,167, significantly below the national average of $2,399. Also, it is just a few hundred dollars more than the lowest-priced insurance company, USAA, which caters to members of the military and their families only.

Your premium will depend on factors such as your location, age, driving record, ZIP code, and car model. Plus, full coverage will cost more than minimum coverage.

To find your exact rate with State Farm auto insurance, request a quote and compare it to car insurance quotes from other providers. Make sure to provide an identical driving history to each company so you’re comparing apples to apples.

State Farm offers several ways to save on your car insurance premiums. Here are some of the most popular discounts available:

• Bundling discount: You could save up to $1,273 when you combine auto insurance with home insurance.
• Multicar discount: You get up to 20 percent off when insure more than one vehicle with State Farm.
• Drive Safe & Save discount: Register to track your driving habits and get up to 30 percent off your premium when you exhibit good driving habits.
• Safe vehicle discount: Vehicles equipped with safety features such as automatic braking and forward collision warning qualify for a discount.
• Steer Clear driver program:New drivers under the age of 25 can qualify for a discount after completing aState Farm learning program about safer driving.
• Good student discount: High school and college students with a GPA of 3.0 or higher are eligible for a discount of up to 25 percent.
• Accident-free discount: Be accident-free for three years or longer to receive a discount on your policy’s premium.
• Defensive driving discount: Based on your location, you can qualify for a discount if you take an eligible defensive driving course and meet its passing requirements.
• Good driver discount: New customers save extra when they’ve gone at least three years without an at-fault accident.
• Passive restraint discount: Cars made in 1993 or earlier with factory-installed air bags or other passive restraint systems, can receive up to 40 percent off of medical-related coverage.
• Anti-theft discount: If your vehicle has an alarm or other anti-theft device, it is eligible for this discount.

Agent-Centric Model

State Farm has over 19,000 agents located in communities across the country. These agents are assigned to you and dedicated to serving your household and offering personalized guidance when it comes to your insurance needs. They serve as a local touchpoint for service, getting to know you and your family.

State Farm Mobile App

The State Farm mobile app makes managing your insurance easy. You can access your ID cards, change your coverages, and get roadside assistance with a few clicks on your phone. The app has a 4.6-star rating on Google Play and a 4.8-star rating on the Apple App Store. People like that the app makes making payments and requesting roadside assistance easier.

All Insurance Under One Roof

Your State Farm agent can handle all your insurance needs. State Farm offers home and life insurance on top of its auto insurance policies. Having an agent who knows your entire risk profile means personalized, expert advice on what coverages will protect you best. Plus, bundling multiple policies with State Farm can lead to additional discounts.

First-Month’s Down Payment

State Farm doesn’t ask for a large down payment when you sign up, unlike some of its competitors. Rather, if you don’t want to pay for the policy in full, you can pay monthly, with the first month’s payment due upon signing up. This helps spread out the cost of your coverage if needed.

State Farm Insurance offers insurance products in all 50 states; Washington, D.C.; and Canada — however, it is no longer selling new auto insurance policies in Massachusetts or Rhode Island. Your local agent has obtained a license in the state you reside in, so they know the state auto insurance laws that apply to you.

You can cancel your policy at any time with State Farm with no cancellation fee. To cancel, either talk to your personal agent or call 800-782-8332. State Farm will prorate your premium at the time of cancellation and refund you the difference.

George J. Mecherle founded State Farm in June 1922 in Illinois, where it maintains headquarters. He felt that there wasn’t an insurance company that represented the many Midwest farmers with good driving habits who couldn’t get reasonable rates. Mecherle founded the company as a mutual insurance company, which means that policyholders own it. State Farm remains a mutual insurance company today, accountable to its customers, not Wall Street.

Over the years, State Farm has added other financial services to its line of insurance products. In 1999, State Farm opened State Farm Financial Services, a separate entity to State Farm Insurance, to offer its book of clients banking products that include auto loans, credit cards, and checking accounts.

Today, the State Farm model remains the same: offering customers competitive prices through educated agents in their cities. It continues to innovate, offering technology like its mobile app and the Drive Safe & Save discount program. State Farm is the largest auto insurance provider in the country. As of the end of 2023, it has more than 94 million policies across its lines of insurance.¹

The insurance behemoth sells insurance through its community agents. Each agent is an independent contractor with State Farm, running a small business and employing sales and service staff across the country. This means that service can vary from agent to agent.

For day-to-day servicing, you will contact your local agent from whom you bought the insurance. Each agent has their own phone number, address, and email address. If you need help and can’t reach your agent, call customer service at 800-782-8332, which will take your requests and forward them to your agent for processing.

You may send payments to:

• State Farm Insurance Companies
• Insurance Support Center – East
• P.O. Box 588002
• North Metro, GA 30029

Overall, we find that State Farm can fit into most budgets, saving many customers money on auto insurance. When you stack up multiple discounts, State Farm prices are reasonable and attractive for many.