You can pay a State Farm insurance bill online, in the State Farm app, by text, by phone, by mail, in person through a State Farm agent, or automatically with AutoPay. How often you pay (monthly, half the premium at a time, or the full bill) depends on your billing account and policy.
State Farm is moving customers to a new system, State Farm Billing, which charges fees for late or returned payments. State Farm doesn’t publish the amounts.
Key Takeaways
- The quickest options are online (no login needed), the app, or State Farm’s 24/7 payment line at 800-440-0998. Agents’ offices also take cash.
- Policies moving to State Farm Billing get a new account number. Life, health and non-private passenger vehicle policies stay on the older State Farm Payment Plan, so you may get two bills.
- State Farm Billing accounts can be charged late, returned payment and installment fees. State Farm doesn’t list the amounts, so check your Billing and Payment Agreement.
- State Farm’s auto discount page doesn’t list a discount for AutoPay, paperless billing or paying in full. AutoPay mainly helps you avoid a missed due date.
Ways to Pay Your State Farm Bill
These come from State Farm’s bill pay page and billing FAQ.
| Method | What to know |
|---|---|
| Online | Log in to schedule payments and see billing history, or pay once as a guest with your phone number and date of birth. |
| State Farm app | The app listing says you can “pay your insurance bill” and use Apple Pay. |
| Text | Needs an online account and a credit or debit card. You turn it on under Insurance Bill Reminders. |
| Phone | 800-440-0998, 24/7. Have your card or bank details, phone number and date of birth ready. |
| Check or money order. Use the return envelope or address on your bill. | |
| Agent’s office | Cash, check, credit or debit card, or money order payable to State Farm. |
| AutoPay | Set up online, as a guest, or through your agent. |
State Farm’s payment page lists Visa, MasterCard, American Express and Discover, plus bank payments from checking, money market or savings accounts. If you mail a check, use the address on your own bill, since State Farm’s pages list two different PO boxes.
State Farm Billing vs. State Farm Payment Plan
State Farm’s older billing setup is the State Farm Payment Plan, which lets you “combine multiple State Farm policies on a single bill” and pay monthly. State Farm says State Farm Billing “will replace the old one,” and policies are moving over time.
When auto or home policies move, State Farm stops sending those bills electronically to your bank’s bill pay service. If you pay through online banking, update the payee.
Monthly, Pay Half or Pay in Full
The Payment Plan offers monthly payments. On State Farm Billing, you can switch to Pay Half after your first payment under the new system, which splits the premium into two installments. Your agent can also change your schedule.
The tradeoff is cost. State Farm’s partial payment page says that if you don’t pay all policies in full on a State Farm Billing account, “you may be charged an installment fee.” Paying in full avoids it but takes more cash up front. State Farm says some billing features vary by state. For example, an undated Massachusetts Division of Insurance schedule lists State Farm’s installment fee there as $0, with 2, 4 or 12 payments.
How to Change Your Payment Method or Due Date
For one-time payments, update your preferred payment method on the Payment Methods page of your online account. That doesn’t change AutoPay. To change AutoPay, select Manage next to the account in Payment Center: Insurance and choose “Change AutoPay method,” or do it in the app.
State Farm lets you pick a new due date for future bills, and on State Farm Billing it applies to every policy on that account. You can’t change it on a bill due today, a past-due or cancellation bill, or a bill paid with Apple Pay or Google Pay.
Example: Moving Your Due Date
Say you pay monthly on the 5th and move your due date to the 20th. State Farm’s FAQ says that if a monthly due date moves within 19 days of the original, that month shows $0 due and the amount is billed in your next installment. Budget for the larger bill. State Farm also warns a change can produce “a two-month bill at your next bill cycle.”
Late and Returned Payment Fees
State Farm’s fee page says a late payment fee applies when payment “is not received by the bill due date,” and a returned payment fee applies when your bank sends a payment back. State Farm’s FAQ ties both fees to State Farm Billing accounts and doesn’t publish the amounts. If you think a fee was charged in error, contact your agent.
A late fee is separate from losing coverage. For cancellation notice rules, see RateFrog’s guide to State Farm’s grace period for late payments.
Is There a Discount for AutoPay or Paperless Billing?
None appears on State Farm’s auto discounts page, which lists programs such as Drive Safe & Save and bundling and notes that “discounts vary by state.” Other insurers may offer payment discounts, covered in RateFrog’s list of common auto insurance discounts.
AutoPay helps you avoid missed due dates, but a draft from an account with too little money could mean a returned payment fee plus a bank fee. If money is tight, bill reminders and manual payment give you more control.
What About a State Farm Vehicle Loan Payment?
A car loan is a separate account from your insurance bill. State Farm’s banking help page says State Farm Bank “voluntarily liquidated” effective March 30, 2021, and lists 866-207-9079 for questions about a vehicle loan State Farm Bank originated.
For more, see RateFrog’s State Farm car insurance guides. If your bill has climbed, you can compare car insurance quotes, keeping in mind a quote isn’t a final price.
Frequently Asked Questions
Why Didn’t My State Farm AutoPay Go Through?
A bill created before you enrolled has to be paid manually, and bills under $4 aren’t sent. State Farm’s AutoPay troubleshooting page adds that a draft may be skipped on the account’s first bill or after a due date or payment method change.
Can I Make a Partial Payment to State Farm?
Only if you’re eligible. Most policies accept only the total due, but some Payment Plan customers see a “Pay Other Amount” option online, and State Farm Billing accounts can switch to Pay Half.
How Do State Farm’s Payment Options Compare With GEICO’s?
RateFrog’s guide to GEICO’s payment options covers GEICO’s methods, schedules and fees.
Sources
- State Farm: Pay Your Bill Online
- State Farm: How Do I Pay My State Farm Bill?
- State Farm: Billing and Payments FAQs
- State Farm: What Is a State Farm Billing Account?
- State Farm: Insurance Payment Plans
- State Farm: Why Does My Bill Include a Fee?
- State Farm: Partial Payments
- State Farm: How Can I Change My Bill Due Date?
- State Farm: Car Insurance Discounts
- Apple App Store: State Farm App
- Massachusetts Division of Insurance: State Farm Installment Payment Plans
- State Farm: Banking Account Help