State Farm Insurance Quotes

First-hand experience: Last month, I shaved 11 percent 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. Below you’ll learn how to do the same—plus a few insider tips that agents rarely advertise.

We’ll start with instant state farm 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—which carrier 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.

State Farm 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.

State Farm Homeowners Insurance

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

State Farm’s 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.

Why Choose State Farm?

State Farm pairs A ++ financial strength (AM Best) with the country’s largest network of licensed agents. That hybrid model—local advice plus a top-rated mobile app—gives you 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 most households.

Factors That Shape Your State Farm Rate

Understanding which levers State Farm weighs most helps you target the upgrades and driving habits that deliver the biggest discount at renewal. Below are the two clusters—driver/demographic and property/ construction details—that move the needle fastest in 2025.

Driving & Demographic Variables

Age, prior violations, annual mileage, and credit tier (in most states) remain the strongest auto predictors. Good-student and Steer Clear® programs give teen drivers a price break once they complete interactive lessons and log a supervised drive.

Geography matters, too: urban ZIP codes carry higher theft frequency, while rural areas see higher deer-collision claims. State Farm’s “territory factors” update twice a year, so even a short-distance move can change your rate.

Property & Construction Details

Roof age, wiring type, and distance to a hydrant dominate homeowners pricing. Swapping a 15-year-old shingle roof for Class 4 impact-resistant shingles can cut wind / hail surcharges by 25 %. Adding central fire alarms unlocks another 5 %.

Tip: Upload photos of upgrades in the Home Index feature—the file attaches to your policy, so you don’t hunt for receipts after a loss.

Step-by-Step: Bundling Auto & Home

The entire bundling workflow takes under five minutes in the quote portal. Start with separate prices, merge them in one click, then lock the deal with a paperless signature—here’s the exact sequence:

Three-Step Process

Step 1 – Pull individual quotes. Use the forms above for auto and home. Each state farm quote stays in your dashboard for 30 days.

Step 2 – Activate the bundle. In “Add Product,” link the two quotes. The system recalculates instantly—look for a green “Multi-Line Discount Applied” badge.

Step 3 – Finalize & save. Opt for paperless and pay-in-full to squeeze out an extra 5 %. Proof cards and declarations download immediately.

Efficient Claims & Human Support

Most auto claims close in under ten days thanks to State Farm’s Photo-Estimate app and a nationwide repair-shop network. Homeowners gain access to a catastrophe team that mobilizes after wildfires, hurricanes, or derechos.

Need to tweak coverage at midnight? The online dashboard lets you adjust deductibles, add renters, or upload claim photos without waiting on hold—yet a local agent can still walk you through coverage gaps in person.

Compare & Confirm Value

Prices vary wildly by ZIP. After seeing your State Farm numbers, grab a Progressive bundle estimate for telematics-heavy discounts, then verify home rates through this ZIP-based home-insurance tool to ensure your dwelling premium sits in the lowest quartile statewide.

Advanced Digital Tools

Drive Safe & Save™ monitors acceleration, cornering, and phone distraction to personalize auto discounts at renewal. For property, the Home Index vault stores receipts and photos, cutting document-chase time in half after a loss.

These tech perks pair with 19 000 on-the-ground agents—ideal for customers who love click-to-bind convenience but still want a human for complex claims.

FAQ – State Farm Quotes

How fast can I get a quote?
Most drivers see a bindable auto rate in under three minutes; home quotes average five.

Will checking a quote affect my credit score?
No. State Farm uses a soft inquiry that never lowers your FICO® rating.

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

Reviewed by Jane Doe, CPCU — 10 years in P&C underwriting • Updated July 5, 2025