Competitive New York auto insurance discounts

Once your car (or the one it replaced) has been with State Farm Mutual Automobile Insurance Company for at least three continuous years without a chargeable accident during this period, you may receive a discount. This auto insurance discount may increase over time if the policy remains in force and there continues to be no chargeable accidents.

New York Accident Prevention Course Discount

New York drivers could save 10% on applicable coverages.

Discount Eligibility

You may be eligible for a discount for taking a defensive driving course if you meet all of the following criteria:

• Are the principal driver of the vehicle, and
• Have voluntarily completed within the last three years a Defensive Driving Course that has been approved by the New York State Department of Motor Vehicles.

A certificate must be presented to State Farm showing the course was successfully completed.

Discount Term and Renewal

The Accident Prevention Course Discount (APCD) will begin at the inception date (new policies) or is applied midterm as of the completion date of the course (existing policies). The discount applies for a three-year period from the date the course was taken until the first renewal after the third anniversary date.

Example: The course was completed on 3/1/15 and the customer has renewal dates of 1/1 and 7/1 each year. The discount applies until 7/1/18.

Termination of Discount

APCD expires on the first renewal date following three years from the course completion date unless State Farm receives evidence of recertification.

If you have questions about a course being eligible, please contact your State Farm agent.

You may be eligible for a discount for taking a defensive driving course if you meet all of the following criteria:

• Are the principal driver of the vehicle
• Have voluntarily completed within the last three years a Defensive Driving Course that has been approved by the New York State Department of Motor Vehicles

A certificate must be presented to State Farm showing the course was successfully completed.

You may qualify for this auto insurance discount in New York if your vehicle has a factory-installed anti-lock braking system.

New York residents, you may qualify for this auto insurance discount if you have certain anti-theft devices on your vehicle. The discount varies, depending on the types of devices installed.

You can receive an auto insurance discount in New York if your vehicle has daytime running lights.

Drive Safe & Save puts you in the driver’s seat of your discount. You'll save with an initial discount just for signing up.^footnote* From there, how you drive determines how much you save – up to 30%.^{footnote **}

Learn more about Drive Safe & Save

return to reference * Setup required.
return to reference ** Discounts may exceed 30% and vary state-to-state (NY capped at 30%). Not available in CA, MA, RI. A discount may not be available in NC depending on individual facts and circumstances. Setup required.

You may be eligible for this discount if all assigned drivers under the age of 21 have successfully completed an acceptable driver education course that

• Included 24 clock hours of classroom instruction
• Included six hours of actual driving under the personal supervision of a certified instructor, or a minimum of three hours actual driving coupled with at least 12 hours of training in an approved practice driving device

Evidence of course completion must be submitted to State Farm. If your state requirements for such a course are more stringent than the above, the State requirements shall be considered the minimum.

You may be eligible to receive this auto insurance discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years. The private-passenger vehicle receiving the discount must also be insured with State Farm Mutual Automobile Insurance Company.

Note: All driving history will be verified at the time an application is submitted for car insurance. This discount may be replaced with the Accident-Free Discount once you have been a State Farm customer for three years.

All assigned drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

• Ranked scholastically in the upper 20% of his or her class
• Had a grade average of B or higher
• Had a grade point average of 3.0 (out of 4.0) or higher
• Made the Dean's List or Honor Roll

Drivers who have earned an Associate's degree or equivalent and have a qualifying scholastic record meeting one of the above requirements may be considered. Drivers who have earned a Bachelor's degree with or without a qualifying scholastic record may be considered as well.

Home study students may be eligible if they submit evidence they have taken certain national standardized tests, administered within the last 12 months and ranked in the upper 20%.

NOTE: Proof of eligibility is required when an application for insurance is submitted.

You may be eligible for this auto insurance discount if you meet all of the following criteria:

• There are two or more private-passenger automobiles primarily driven by persons residing at the address.
• The vehicles are insured with State Farm.
• The owners of the vehicles reside in the same household, and A) are related by marriage, blood, or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

You may be eligible for this multiline discount if you are the named insured on a qualifying State Farm home, renters, condo, life or health policy.

1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive an auto insurance discount.

In order to initially qualify for this discount, the following requirements must be met by all assigned drivers under age 25:

• Have no at-fault accidents or moving violations in the three year period prior to the time the discount is initially applied (NOTE: In some states certain accidents and moving violations may not disqualify you).
• Have successfully completed the State Farm Steer Clear program. The program includes video content regarding safe driving behaviors and requires the driver to track some of their driving experiences.

Learn more about Steer Clear

This discount applies to a vehicle when each of the assigned drivers under the age of 25:

• Is a student who resides at school more than 100 miles from home
• Drives the automobile only while home during the school vacation or holiday periods
• Keeps the automobile at home while away at school

1994 and newer-model-year private-passenger vehicles may receive an auto insurance discount based on the loss experience of the make and model of the insured vehicle.