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Choosing a car insurance provider can feel overwhelming. If you're considering State Farm, understanding its pricing structure will help you determine if it's the best fit for your needs. However, we recommend comparing quotes from several providers to ensure you're getting the most value and saving money on your car insurance.
State Farm car insurance pricing per month
State Farm charges an average of $115 per month for full-coverage car insurance policies. Drivers who choose minimum liability-only coverage pay an average of $58.
Keep in mind these are average figures. Your personal rate depends on multiple factors including your age, where you live, credit score, and driving record. While your quote from State Farm might differ from these averages, they provide a useful benchmark for comparison shopping.
| State Farm average monthly cost | National average monthly cost | |
| Full coverage | $115 | $186 |
| Liability-only | $58 | $104 |
State Farm's rates versus other car insurance providers
Each insurance company uses different methods to evaluate risk and offer discounts. Comparing State Farm's pricing to other insurers helps you see where they stand for your particular circumstances.
| Provider | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $115 | $58 |
| Progressive | $182 | $106 |
| GEICO | $146 | $95 |
| Allstate | $146 | $77 |
| USAA | $104 | $54 |
State Farm's rates by age
Age plays a major role in State Farm's pricing model, as it does with most insurance companies. Teenage drivers face the highest costs, with car insurance for teen drivers averaging $233 per month for full coverage.
Rates generally decrease as you enter your 20s, with State Farm averaging $152. The downward trend continues through your 30s at an average of $114 and your 40s at $105.
The most favorable rates typically appear for drivers in their 50s and 60s, with average monthly costs of $95 and $82, respectively.
Premiums often tick back up during your 70s, averaging around $74 per month. This pricing pattern reflects how insurance companies evaluate risk across different life stages.
| Age group | State Farm average monthly full coverage cost | National average monthly cost |
| Teens | $233 | $360 |
| 20s | $152 | $243 |
| 30s | $114 | $199 |
| 40s | $105 | $191 |
| 50s | $95 | $177 |
| 60s | $82 | $159 |
| 70s | $74 | $163 |
State Farm's rates for high-risk drivers
Drivers with traffic violations or accident history typically see higher premiums with State Farm. High-risk drivers who have a speeding ticket on record average $143 per month, while an at-fault accident increases the average to approximately $147.
DUI convictions result in significantly higher rates, with monthly costs averaging $167. These amounts reflect standard pricing for drivers with incidents on their record, though your actual cost will vary based on when the violation occurred and other individual risk factors.
| Driving record | State Farm average monthly full coverage cost | National average monthly cost |
| Accident | $147 | $247 |
| Speeding ticket | $143 | $238 |
| DUI | $167 | $272 |
How does your credit score affect your rate with State Farm?
Most states allow insurers to factor credit scores into rate calculations. The exceptions are California, Hawaii, Massachusetts, and Michigan.
Where credit-based pricing applies, State Farm adjusts premiums according to your credit tier. Drivers with excellent credit average $91 per month, while good credit typically results in rates around $112.
Those with average credit scores pay monthly premiums close to $122, and poor credit drivers face costs averaging $184 per month.
These figures demonstrate how significantly credit can impact your insurance costs, though your final rate will still reflect other personal characteristics.
| Credit score | State Farm average monthly cost of full coverage | National average monthly cost |
| Excellent | $91 | $164 |
| Good | $112 | $179 |
| Average | $122 | $194 |
| Poor | $184 | $227 |
FAQs
What discounts does State Farm offer to help lower my premium?
State Farm provides one of the most comprehensive discount programs in the auto insurance industry, with 18 different ways to reduce your premium. The Drive Safe & Save telematics program stands out as their signature discount, offering savings by monitoring your driving habits through a mobile app, with an initial discount upon enrollment. Bundling your auto policy with home, renters, or life insurance could save you money, while insuring multiple vehicles on the same policy might reduce your costs, making State Farm particularly attractive for households with multiple cars or insurance needs.
What makes State Farm's Drive Safe & Save program unique?
Drive Safe & Save is State Farm's usage-based insurance program that monitors your driving behavior through a mobile app rather than requiring a physical device plugged into your vehicle. The program evaluates factors like speed, braking patterns, time of day you drive, and phone usage while driving to calculate your personalized discount, with safe drivers potentially saving up to 30% on their premiums. You receive an initial 10% discount just for enrolling, and the program continues to adjust your rate based on your ongoing driving performance, making it particularly valuable for drivers confident in their safe driving habits who want their insurance costs to reflect their actual behavior behind the wheel.
Does State Farm sell auto insurance in all states?
State Farm offers auto insurance products in 48 states plus Washington D.C. and Canada, maintaining one of the largest geographic footprints among national insurers. However, the company no longer sells new auto insurance policies in Massachusetts or Rhode Island, though existing policyholders in these states can maintain their coverage.
Bottom line
Should you choose State Farm as your car insurance company? The most reliable approach is requesting quotes from State Farm and competing insurers, then evaluating them on both cost and customer service.
Data throughout provided by Insurify.
Average rate:
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