State Farm Insurance Quotes

First-hand experience: Last month, I shaved 11 % off my annual bill by bundling State Farm auto and home policies. Five minutes online was all it took to compare options, tweak deductibles, and lock in savings without a sales call. Prefer a quick snapshot first? Use our ZIP-based auto quote tool to benchmark pricing by area before you customize.

We’ll start with instant quote forms, walk through Drive Safe & Save™ telematics, then dig into the exact factors that push your premium up or down in 2025. Finish with a quick competitor check and you’ll know—today—who rewards your profile best.

Get a State Farm Quote in Minutes

Choose the coverage you need and receive a bindable estimate—no phone calls, no hard pull on your credit.

Auto Insurance

Compare liability-only, full-coverage, or Drive Safe & Save™ prices side by side.

Drive Safe & Save™ uses your phone’s Bluetooth or your vehicle’s OnStar® data to record mileage, cornering, and braking. Safer habits can earn up to a 30 % discount at renewal—especially helpful for low-mileage commuters or retirees.

Homeowners Insurance

Adjust dwelling limits, schedule jewelry, or add flood-zone coverage in seconds.

The homeowners program stands out for Inflation Guard—an automatic increase in Coverage A that tracks construction-material costs each year. That means fewer surprises if lumber prices spike after a storm. Not sure which protections to prioritize? Read our coverage options explainer before you finalize limits and deductibles.

Why Choose This Carrier?

A blend of A++ financial strength (AM Best) and the country’s largest local agent network means face-to-face help when life gets messy and 24/7 digital control when you just need a copy of your ID card.

Discount-stacking is another edge: multi-policy (up to 17 %), safe-driver, home-safety devices, and even paperless billing combine to reduce premiums by double digits for many households. If timing your quote is flexible, skim our same-day car insurance quotes guide to capture quick-win discounts before renewal.

To maximize those savings, follow a simple sequence: pull a base quote first, enroll in telematics 30–45 days before renewal, add documented home-safety credits (monitored smoke/CO alarms, water-leak sensors), then activate the auto+home bundle and compare pay-in-full vs. monthly billing (installments often add 3–5 % in fees). Confirm eligibility windows for accident-free/claim-free discounts (typically 3–5 years) and note state variations—credit-based pricing, youthful drivers, SR-22 filings, or high-performance vehicles can cap or delay certain reductions.

Factors That Shape Your Rate

Understanding what drives premiums allows you to focus on improvements that deliver the most meaningful savings. Rather than guessing, knowing which levers matter lets you plan upgrades and habits in advance—so you see the effect not just at purchase, but at every renewal.

Driving & Demographic Variables

Age, history of violations, credit tier (in most states), and yearly mileage remain the foundation of your auto premium. Insurers rely on these data points to model risk. Students with good GPAs or those who complete safe-driving programs like Steer Clear® can offset youthful risk with structured training and logged drives.

Location adds another layer: urban ZIP codes experience more theft and vandalism, while rural areas often show higher accident rates with wildlife. Insurers update territory factors twice yearly, so even relocating a few miles away can influence your rate noticeably.

Property & Construction Details

For homeowners coverage, details of your property strongly affect cost. Roof age, plumbing and wiring type, distance to hydrants or fire stations—all are weighted by underwriters. Replacing older shingles with Class 4 impact-resistant versions often reduces hail and wind surcharges. Adding central fire alarms or water-leak detectors can also unlock layered savings.

Pro tip: upload receipts and photos of upgrades into your insurer’s digital vault or app. This ensures smooth proof if you ever need to file a claim, and some carriers even offer instant credits once documentation is approved.

Bundling & Support Experience

Beyond single-policy pricing, bundling auto and home into one account remains one of the most reliable ways to cut costs. By pulling quotes separately and then linking them, you activate multi-line discounts, simplify billing, and centralize support into a single dashboard. For a deeper walkthrough, see our State Farm bundling guide.

Step-by-Step Bundling

The workflow is straightforward: start with separate auto and home quotes, link them in the dashboard, and then confirm details with a paperless signature. Each step adds potential discounts, from multi-line badges to pay-in-full savings, with declarations and ID cards available immediately after finalization.

Efficient Claims & Human Support

Technology accelerates much of the claims process—apps let you submit photos, track repairs, and download claim forms in minutes. But when disasters strike, catastrophe teams and local agents remain essential. Having both digital convenience and in-person expertise ensures that simple fender-benders resolve fast, while complex homeowners losses still receive personal guidance.

Comparing & Confirming Value

Rates fluctuate widely by ZIP and carrier. Always confirm your quote by comparing at least one alternative tailored to your profile—if your household includes teens or first-time drivers, start with our coverage guide for new drivers to see how pricing and discounts apply to youthful operators.

FAQ – State Farm Quotes

How fast can I get a quote?
Many drivers see a bindable auto rate in under three minutes; home quotes often take about five.

Will checking a quote affect my credit score?
No. Only a soft inquiry is used, which does not impact your FICO® rating.

Can I add roadside assistance later?
Yes—log in, select “Add Coverage,” and the change typically takes effect the next business day.