State Farm offers more than a dozen car insurance discounts, including Drive Safe & Save, Steer Clear, good driving, good student, bundling and vehicle safety discounts, but which ones you can get depends on your state. Only a few have a published amount, such as up to 30% for Drive Safe & Save and up to 25% for good students.
State Farm’s auto discounts page says “savings, discount names, percentages, availability and eligibility may vary by state.” The table draws on that page, State Farm’s program and bundling pages, and state pages checked in November 2026.
Key Takeaways
- State Farm publishes figures for only a few discounts, including Drive Safe & Save (10% to start, up to 30%), Good Student (up to 25%) and passive restraint (up to 40% on medical-related coverage).
- State pages differ a lot: New York’s lists more than a dozen discounts, while Texas’s lists six and leaves off Good Student, so check yours.
- Young drivers have the most options, with Steer Clear, Good Student, Driver Training and Student Away at School.
- Drive Safe & Save isn’t a sure win, since State Farm says the adjusted amount can rise or fall at renewal.
State Farm Car Insurance Discounts at a Glance
| Discount | Who qualifies | What State Farm publishes |
|---|---|---|
| Drive Safe & Save | Drivers who enroll and set up the State Farm app and beacon | 10% initial participation decrease, up to 30% based on driving |
| Steer Clear | Drivers under 25 with a clean 3-year record who finish the program | No amount |
| Good driving | New State Farm Mutual customers with 3+ years and no moving violations or at-fault accidents | No amount |
| Accident-free | Car insured with State Farm 3 years without a chargeable accident (some states) | No amount |
| Defensive driving course | Varies by state, usually drivers 55 or older | 10% in New York and Minnesota, 5% in Pennsylvania (state-required discounts) |
| Good student | Full-time students under 25 with a 3.0 GPA, top 20% rank, or Dean’s List or Honor Roll | Up to 25% |
| Student away at school | Students under 25 who live at school and drive the car only on breaks | No amount |
| Driver training | All operators under 21 complete an approved driver education course | No amount |
| Multiple vehicles | Two or more household vehicles insured with State Farm and owned by related people | As much as 20% |
| Multiple line (bundling) | Named insured on a qualifying State Farm home, renters, condo or life policy | Up to 17% |
| Passive restraint | Factory-installed air bag or other passive restraint | Up to 40% on medical-related coverage |
| Anti-theft | Alarm or approved anti-theft device | No amount |
| Vehicle safety | Based on your car’s make and model | No amount |
The national page also names loyalty and low mileage discounts without explaining them. New York’s page adds anti-lock brake and daytime running lights discounts.
Safe Driver Discounts
State Farm’s good driver discount applies when new State Farm Mutual customers have “gone 3 years or more without moving violations or at-fault accidents.” The New York, Pennsylvania and Minnesota pages also list an Accident-Free discount for a car insured with State Farm three continuous years “without a chargeable accident.”
The course percentages in the table come from state rules, not a national State Farm program. New York’s DMV says an approved course cuts liability and collision base rates 10% for three years, while Minnesota and Pennsylvania laws require at least 10% and 5% for drivers 55 and older. RateFrog covers course rules in how to get the State Farm safe driver discount.
Drive Safe & Save works differently. You get an initial discount for enrolling, then State Farm recalculates “at each policy renewal (typically every six months)” based on your driving. The Drive Safe & Save page says the amount “may increase or decrease at each renewal.”
State Farm’s discounts page says Drive Safe & Save isn’t available in California, Massachusetts or Rhode Island, though the program and Massachusetts pages exclude only California and Rhode Island, so Massachusetts drivers should ask. A discount “may not be available in NC depending on individual facts and circumstances.” Savings can exceed 30% in some states, but New York caps them at 30%. For setup and scoring, see how State Farm Drive Safe & Save works.
Discounts for New and Teen Drivers
Steer Clear is State Farm’s main program for new drivers. The Steer Clear page requires drivers under 25 (or over 24 with under three years of experience, in some states) with a valid license and no at-fault accidents or moving violations in three years to complete five training modules and log “5 hours of driving” across at least 10 trips. State Farm doesn’t publish the savings. RateFrog explains the steps in what State Farm Steer Clear is.
Students have other options:
- Good Student. State Farm says you can “save up to 25%” and that “the savings may last until your teen turns 25.” Pennsylvania requires proof when you apply.
- Driver Training. Every operator of the car under 21 must complete an approved driver education course.
- Student Away at School. This is for a student under 25 who moves away to school and drives the car only on breaks. New York and Pennsylvania require the school to be more than 100 miles from home.
Example (hypothetical): a 19-year-old with a 3.4 GPA attends college 300 miles away and leaves the car at home. Where both are offered, that student might get Good Student and Student Away at School. State Farm doesn’t say how discounts combine, so ask for quotes with and without each.
Vehicle and Multi-Policy Discounts
State Farm’s bundling page says adding a homeowners, renters, condo or life policy “could save you up to 17%,” a figure its footnote ties to a 2025 survey of new policyholders. Two or more household vehicles insured with State Farm and owned by related people “could save as much as 20%.”
Passive restraint can be worth “up to 40% on medical-related coverage,” but the New York and Pennsylvania pages limit it to 1993 and older vehicles. There, 1994 and newer cars may get a vehicle safety discount based on the make and model’s loss experience.
Anti-theft rules can be tighter. The Pennsylvania page applies it only to comprehensive coverage and requires a device that disables the fuel, ignition or starting system.
Why Your State’s List May Be Shorter
The Texas discounts page lists only Drive Safe & Save, Good Driving, Multiple Automobiles, Multiple Line, Steer Clear and Vehicle Safety. The Illinois page adds anti-theft and a course discount for drivers 55 or older, with no good student discount. State pages may not show everything, so confirm with an agent.
How to Check Which Discounts You Have
- Read your declarations page. It summarizes your coverages and usually lists the discounts applied to each car. Your full policy controls the actual terms.
- Compare it with your state’s page. Look for missing discounts, such as Good Student after a new report card or Multiple Line if you rent.
- Ask your agent specific questions. Which coverages does each discount apply to, and what proof is needed for a course or good grades?
- Update after life changes. A teen leaving for college or a move to another state can change your discounts.
A discount only helps if the base price is competitive, and buying a policy or extra coverage just for a discount can cost more than it saves. RateFrog’s list of auto insurance discounts to take advantage of shows what other insurers commonly offer.
Frequently Asked Questions
Can You Lose a State Farm Discount?
Some can. Good driving and Steer Clear eligibility looks back three years at tickets and at-fault accidents, course discounts usually last about three years unless you retake the course, and a Drive Safe & Save adjustment can shrink at renewal.
Does State Farm Have a Discount for Paying in Full or Paperless Billing?
None of the State Farm discount pages checked lists a pay-in-full, paperless or automatic payment discount. Ask an agent about your state, and see State Farm’s payment options for how billing works.
Can I Get Drive Safe & Save and Steer Clear at the Same Time?
State Farm lists them separately and doesn’t say one excludes the other, but it doesn’t publish how they combine, so ask an agent to price both. RateFrog’s State Farm car insurance guides cover its other programs.
Sources
- State Farm: Auto Insurance Discounts
- State Farm: Drive Safe & Save
- State Farm: Steer Clear
- State Farm: Bundling Insurance
- State Farm: New York Auto Insurance Discounts
- State Farm: Pennsylvania Auto Insurance Discounts
- State Farm: Minnesota Auto Insurance Discounts
- State Farm: Texas Auto Insurance Discounts
- State Farm: Illinois Auto Insurance Discounts
- New York DMV: Point and Insurance Reduction Program
- Minnesota Statutes Section 65B.28
- Pennsylvania Statutes Title 75, Section 1799.2