[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"/blog/auto-owners-vs-state-farm-discounts":3},{"id":4,"title":5,"author":6,"body":7,"category":661,"ctaHeadline":662,"ctaHref":662,"ctaLabel":662,"dateModified":663,"datePublished":663,"description":664,"draft":665,"extension":666,"featured":665,"image":662,"meta":667,"navigation":668,"path":669,"readingTime":670,"seo":671,"stem":672,"tags":673,"theme":662,"__hash__":679},"blog/blog/auto-owners-vs-state-farm-discounts.md","Auto-Owners vs. State Farm: Discounts Compared","Premier Auto Savings",{"type":8,"value":9,"toc":651},"minimark",[10,34,39,205,208,212,224,230,234,245,256,260,294,316,319,323,326,577,580,584,618,635,642,645],[11,12,13,14,19,20,19,24,28,29,33],"p",{},"Auto-Owners and State Farm are the two carriers that keep finishing first in our state guides, and they get there by opposite routes. State Farm is the biggest auto insurer in the country, sells through its own agents, and builds its discounts around how you drive and how your kids do in school. Auto-Owners is a Michigan mutual that sells only through independent agents, has no driving-tracking app at all, and rewards how you pay, how long you stay and whether you've filed claims. Here's how the two menus compare, discount by discount, and where each carrier actually prices lowest in the states we cover. It's the sixth post in our carrier comparison series, after ",[15,16,18],"a",{"href":17},"/blog/geico-vs-travelers-discounts","GEICO vs. Travelers",", ",[15,21,23],{"href":22},"/blog/geico-vs-progressive-discounts","GEICO vs. Progressive",[15,25,27],{"href":26},"/blog/state-farm-vs-allstate-discounts","State Farm vs. Allstate"," and ",[15,30,32],{"href":31},"/blog/usaa-vs-geico-military-discounts","USAA vs. GEICO",".",[35,36,38],"h2",{"id":37},"the-discount-menus-side-by-side","The Discount Menus, Side by Side",[40,41,42,58],"table",{},[43,44,45],"thead",{},[46,47,48,52,55],"tr",{},[49,50,51],"th",{},"Discount",[49,53,54],{},"Auto-Owners",[49,56,57],{},"State Farm",[59,60,61,73,84,95,106,117,128,139,150,161,172,183,194],"tbody",{},[46,62,63,67,70],{},[64,65,66],"td",{},"Telematics program",[64,68,69],{},"None (teen monitoring only)",[64,71,72],{},"Drive Safe & Save: an enrollment discount, then up to 30% based on how you drive (not offered in CA, NY, MA, RI)",[46,74,75,78,81],{},[64,76,77],{},"Good student",[64,79,80],{},"Up to 20% (\"B\" or better GPA)",[64,82,83],{},"Up to 25% (3.0+ GPA, top 20% of class or Dean's List); can last until 25",[46,85,86,89,92],{},[64,87,88],{},"Student away at school",[64,90,91],{},"Yes (100+ miles from home, no vehicle)",[64,93,94],{},"Yes (under 25, car used only on visits home)",[46,96,97,100,103],{},[64,98,99],{},"Young-driver program",[64,101,102],{},"Teen Driver Monitoring (GPS unit or eligible app)",[64,104,105],{},"Steer Clear (under 25; up to 15% per WalletHub)",[46,107,108,111,114],{},[64,109,110],{},"Multi-policy bundle",[64,112,113],{},"Yes, plus a separate life multi-policy discount",[64,115,116],{},"Multiple Line (up to 17% per WalletHub)",[46,118,119,122,125],{},[64,120,121],{},"Multi-vehicle",[64,123,124],{},"Yes (two or more cars on the policy)",[64,126,127],{},"Multiple Auto",[46,129,130,133,136],{},[64,131,132],{},"Accident-free / loss history",[64,134,135],{},"Favorable Loss History",[64,137,138],{},"Accident-free (3+ years; up to 25% per WalletHub); good-driving discount for new customers with 3+ clean years",[46,140,141,144,147],{},[64,142,143],{},"Defensive driving course",[64,145,146],{},"Not listed",[64,148,149],{},"Yes (state-approved courses; availability varies)",[46,151,152,155,158],{},[64,153,154],{},"Vehicle safety features",[64,156,157],{},"Yes (ABS, airbags, anti-theft)",[64,159,160],{},"Yes (safety features including driver-assist technology; anti-theft)",[46,162,163,166,169],{},[64,164,165],{},"Payment discounts",[64,167,168],{},"Paid in Full; Payment History (36 months on time); Green (paperless + online pay); Digital Advantage (online access + e-documents + autopay; not all states)",[64,170,171],{},"Not featured on the discount page",[46,173,174,177,180],{},[64,175,176],{},"Loyalty",[64,178,179],{},"Customer Loyalty (grows with tenure)",[64,181,182],{},"Mentioned as a discount to ask an agent about",[46,184,185,188,191],{},[64,186,187],{},"Advance quote",[64,189,190],{},"Yes (quote before the policy's start date)",[64,192,193],{},"No",[46,195,196,199,202],{},[64,197,198],{},"Higher deductible",[64,200,201],{},"Listed as a way to save",[64,203,204],{},"Standard, not listed as a discount",[11,206,207],{},"Sources: auto-owners.com \"Auto Ways to Save\" and statefarm.com's auto discounts page, October 2026; percentages State Farm doesn't publish are attributed to WalletHub's analysis. Availability and amounts vary by state.",[35,209,211],{"id":210},"telematics-one-carrier-has-it-one-doesnt","Telematics: One Carrier Has It, One Doesn't",[11,213,214,215,219,220,33],{},"This is the structural difference. ",[216,217,218],"strong",{},"State Farm's Drive Safe & Save"," gives an initial discount for enrolling and then up to 30% based on driving data from the app, and State Farm says the program only lowers your rate; it isn't used to raise it. It isn't offered in California, New York, Massachusetts or Rhode Island. We cover the fine print beside Progressive's and GEICO's programs in our ",[15,221,223],{"href":222},"/blog/snapshot-vs-driveeasy-vs-drive-safe-and-save","telematics comparison",[11,225,226,229],{},[216,227,228],{},"Auto-Owners has no telematics program."," Its only monitoring discount is for teens, and it's tied to a permanently installed GPS unit in the teen's car or enrollment in an eligible smartphone app, not to how the teen drives. If the biggest number on your discount list is the one for driving well, State Farm is the only one of these two that offers it, and in our state tables Auto-Owners still prices lower than State Farm in eight of the 15 states where both appear, without it. That tells you how much the base rate matters.",[35,231,233],{"id":232},"students-and-young-drivers","Students and Young Drivers",[11,235,236,237,240,241,244],{},"Both carriers pay for grades, and State Farm pays a little more for a little more: ",[216,238,239],{},"up to 25%"," for a 3.0 GPA, a top-20% class rank or a Dean's List spot, against ",[216,242,243],{},"Auto-Owners' up to 20%"," for a \"B\" average. Both give a discount for a student who's away at school without the car; Auto-Owners defines it as more than 100 miles from home, State Farm as under 25 and using the car only on visits home.",[11,246,247,248,251,252,255],{},"The young-driver programs differ in kind. State Farm's ",[216,249,250],{},"Steer Clear"," is a training program with videos and driving practice for drivers under 25 with clean records, and third-party analyses put its discount at up to 15%. Auto-Owners' ",[216,253,254],{},"Teen Driver Monitoring"," is a device discount, not a training one. For a family adding a teen, State Farm's menu is deeper; whether it's cheaper depends on the state, and in Minnesota and Georgia the teen tables in our guides put State Farm first in one and Auto-Owners first in the other.",[35,257,259],{"id":258},"payments-loyalty-and-the-small-stuff","Payments, Loyalty and the Small Stuff",[11,261,262,263,266,267,270,271,274,275,278,279,282,283,286,287,289,290,293],{},"This is where Auto-Owners wins on paper. Its menu stacks ",[216,264,265],{},"Paid in Full",", a ",[216,268,269],{},"Payment History"," discount for 36 months of on-time premiums, a ",[216,272,273],{},"Green"," discount for paperless billing and online payment, a ",[216,276,277],{},"Digital Advantage"," discount (online account, electronic documents and autopay, not available in every state), a ",[216,280,281],{},"Customer Loyalty"," discount that grows the longer you stay, an ",[216,284,285],{},"Advance Quote"," discount for getting a quote before your policy's start date, and a ",[216,288,135],{}," discount for a clean claims record. It also lists a separate ",[216,291,292],{},"Life Multi-Policy"," discount on top of the regular bundle. A set-it-and-forget-it payer who bundles and never files claims qualifies for most of the list without doing anything.",[11,295,296,297,300,301,303,304,307,308,311,312,315],{},"State Farm's discount page is built around driving and students, and it doesn't feature payment-method or paperless discounts; it does list a ",[216,298,299],{},"Multiple Line"," discount (WalletHub puts it at up to 17%), ",[216,302,127],{},", the ",[216,305,306],{},"accident-free"," discount after three clean years, a ",[216,309,310],{},"defensive driving course"," discount where states allow it, and ",[216,313,314],{},"vehicle safety"," discounts that now include driver-assist technology. Loyalty and low-mileage savings are mentioned as things to ask an agent about rather than published line items.",[11,317,318],{},"Neither carrier quotes an \"early signing\" discount the way Allstate does, and Auto-Owners' Advance Quote is the closest thing on either menu.",[35,320,322],{"id":321},"where-each-carrier-wins-in-our-state-tables","Where Each Carrier Wins in Our State Tables",[11,324,325],{},"Discount menus are the tiebreaker, not the game. Here is how the two carriers price against each other for liability-only coverage in the 15 states where both appear in our guides' tables; each figure is the carrier's average monthly quote in that guide, and the guide's footer gives the data date.",[40,327,328,342],{},[43,329,330],{},[46,331,332,335,337,339],{},[49,333,334],{},"State",[49,336,54],{},[49,338,57],{},[49,340,341],{},"Lower",[59,343,344,360,376,392,408,424,439,455,471,486,502,516,531,546,561],{},[46,345,346,352,355,357],{},[64,347,348],{},[15,349,351],{"href":350},"/cheap-car-insurance-alabama-2026","Alabama",[64,353,354],{},"$44",[64,356,354],{},[64,358,359],{},"Tie",[46,361,362,368,371,374],{},[64,363,364],{},[15,365,367],{"href":366},"/cheap-car-insurance-arizona-2026","Arizona",[64,369,370],{},"$48",[64,372,373],{},"$60",[64,375,54],{},[46,377,378,384,387,390],{},[64,379,380],{},[15,381,383],{"href":382},"/cheap-car-insurance-arkansas-2026","Arkansas",[64,385,386],{},"$59",[64,388,389],{},"$34",[64,391,57],{},[46,393,394,400,403,406],{},[64,395,396],{},[15,397,399],{"href":398},"/cheap-car-insurance-georgia-2026","Georgia",[64,401,402],{},"$79",[64,404,405],{},"$85",[64,407,54],{},[46,409,410,416,419,422],{},[64,411,412],{},[15,413,415],{"href":414},"/cheap-car-insurance-illinois-2026","Illinois",[64,417,418],{},"$41",[64,420,421],{},"$45",[64,423,54],{},[46,425,426,432,434,437],{},[64,427,428],{},[15,429,431],{"href":430},"/cheap-car-insurance-indiana-2026","Indiana",[64,433,389],{},[64,435,436],{},"$36",[64,438,54],{},[46,440,441,447,450,453],{},[64,442,443],{},[15,444,446],{"href":445},"/cheap-car-insurance-kentucky-2026","Kentucky",[64,448,449],{},"$75",[64,451,452],{},"$78",[64,454,54],{},[46,456,457,463,466,469],{},[64,458,459],{},[15,460,462],{"href":461},"/cheap-car-insurance-michigan-2026","Michigan",[64,464,465],{},"$68",[64,467,468],{},"$141",[64,470,54],{},[46,472,473,479,481,484],{},[64,474,475],{},[15,476,478],{"href":477},"/cheap-car-insurance-minnesota-2026","Minnesota",[64,480,386],{},[64,482,483],{},"$51",[64,485,57],{},[46,487,488,494,497,500],{},[64,489,490],{},[15,491,493],{"href":492},"/cheap-car-insurance-missouri-2026","Missouri",[64,495,496],{},"$134",[64,498,499],{},"$55",[64,501,57],{},[46,503,504,510,512,514],{},[64,505,506],{},[15,507,509],{"href":508},"/cheap-car-insurance-ohio-2026","Ohio",[64,511,418],{},[64,513,436],{},[64,515,57],{},[46,517,518,524,527,529],{},[64,519,520],{},[15,521,523],{"href":522},"/cheap-car-insurance-pennsylvania-2026","Pennsylvania",[64,525,526],{},"$63",[64,528,483],{},[64,530,57],{},[46,532,533,539,541,544],{},[64,534,535],{},[15,536,538],{"href":537},"/cheap-car-insurance-south-carolina-2026","South Carolina",[64,540,452],{},[64,542,543],{},"$80",[64,545,54],{},[46,547,548,554,556,559],{},[64,549,550],{},[15,551,553],{"href":552},"/cheap-car-insurance-tennessee-2026","Tennessee",[64,555,370],{},[64,557,558],{},"$35",[64,560,57],{},[46,562,563,569,572,575],{},[64,564,565],{},[15,566,568],{"href":567},"/cheap-car-insurance-virginia-2026","Virginia",[64,570,571],{},"$56",[64,573,574],{},"$57",[64,576,54],{},[11,578,579],{},"Auto-Owners is the cheapest carrier outright in six of our guides (Arizona, Georgia, Illinois, Indiana, Michigan and Virginia); State Farm is cheapest outright in fourteen (Arkansas, Colorado, Connecticut, Florida, Louisiana, Massachusetts, Minnesota, Mississippi, Ohio, Oklahoma, Tennessee, Texas, Washington and West Virginia) and the cheapest carrier open to everyone in Delaware and Missouri. Two things stand out in the head-to-head column. The margins are often tiny: $1 in Virginia, $2 in Indiana and South Carolina, $3 in Kentucky, and a tie in Alabama, which is exactly where a 20% good-student discount or a paid-in-full discount decides it. And the margins are sometimes enormous the other way: Auto-Owners is $73 a month cheaper in Michigan and $79 a month more expensive in Missouri, gaps no discount closes.",[35,581,583],{"id":582},"who-wins-for-whom","Who Wins for Whom",[585,586,587,594,600,606,612],"ul",{},[588,589,590,593],"li",{},[216,591,592],{},"Drivers who want a telematics discount:"," State Farm, by default, since Auto-Owners doesn't offer one.",[588,595,596,599],{},[216,597,598],{},"Families with a student:"," State Farm's 25% ceiling and Steer Clear program against Auto-Owners' 20%; quote both, because in eight of our head-to-head states Auto-Owners starts lower before either discount applies.",[588,601,602,605],{},[216,603,604],{},"Bundlers who pay in full and never file claims:"," Auto-Owners' stack (paid in full, payment history, loyalty, favorable loss history, life multi-policy) is the deeper one.",[588,607,608,611],{},[216,609,610],{},"Anyone who wants to quote online:"," State Farm. Auto-Owners sells only through independent agents, so its lower price in eight head-to-head states comes with a phone call.",[588,613,614,617],{},[216,615,616],{},"Drivers in California, New York, Massachusetts or Rhode Island:"," Drive Safe & Save isn't offered there, which removes State Farm's biggest number from the comparison.",[11,619,620,621,624,625,629,630,634],{},"And the reality check that applies to every post in this series: the base rate matters more than the discount percentage. In Michigan, Auto-Owners' clean-record liability average is $68 a month against State Farm's $141 per our ",[15,622,623],{"href":461},"Michigan guide","; no discount on State Farm's menu closes that gap. In Missouri the arithmetic runs the other way. Check where each carrier's base rates land in your state in our ",[15,626,628],{"href":627},"/best-car-insurance-companies-2026","best car insurance companies guide",", then ",[15,631,633],{"href":632},"/","run quotes for your own profile",". The winner on paper isn't always the winner on your driveway.",[11,636,637,638,641],{},"The fastest path is still the boring one: get both carriers' real numbers, apply the discounts you qualify for, and ",[15,639,640],{"href":632},"compare the bottom lines"," side by side.",[643,644],"hr",{},[11,646,647],{},[648,649,650],"em",{},"Discount details from Auto-Owners' \"Auto Ways to Save\" page and State Farm's auto insurance discounts page as of October 2026; the Drive Safe & Save state exclusions per State Farm's young-driver quote page; savings percentages State Farm doesn't publish (Steer Clear, Multiple Line, accident-free) are attributed to WalletHub's analysis. Discount availability, amounts and eligibility vary by state. State-by-state figures per our linked state guides, which carry Insurify rate data current as of each guide's date; Auto-Owners' independent-agent model per auto-owners.com.",{"title":652,"searchDepth":653,"depth":653,"links":654},"",2,[655,656,657,658,659,660],{"id":37,"depth":653,"text":38},{"id":210,"depth":653,"text":211},{"id":232,"depth":653,"text":233},{"id":258,"depth":653,"text":259},{"id":321,"depth":653,"text":322},{"id":582,"depth":653,"text":583},"analysis",null,"2026-10-30","Auto-Owners and State Farm discounts compared: payment and loyalty perks vs. telematics and student savings, and where each wins in 15 state tables.",false,"md",{},true,"/blog/auto-owners-vs-state-farm-discounts","7",{"title":5,"description":664},"blog/auto-owners-vs-state-farm-discounts",[674,675,676,677,678],"auto-owners","state farm","discounts","carrier comparison","telematics","AKsRqQi96dRiukoEj74fWzt3dfBQuxqkn2H9H55w9dU"]