Competitive Michigan 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.

This auto insurance discount may apply in Michigan if the insured vehicle is equipped with an approved anti-theft device.

You may be eligible to receive this auto insurance discount in Michigan if you wear your seat belt.

This auto insurance discount is available to customers who agree to share certain driving information and meet eligibility requirements. Customers will receive an initial discount of about 5% when they enroll. Then, how you drive determines your discount - up to 30%.

Learn more about Drive Safe & Save

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 their 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%.

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 or B) for two unrelated owners, they must jointly own the vehicles and both be designated as the 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), and
• Have successfully completed the State Farm Steer Clear program, which needs to be administered by a State Farm agent. The program includes the driver watching a video presentation, reading a safe-driving magazine, and completing a driver's log to document 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, and
• Drives the automobile only while home during the school vacation or holiday periods, and
• 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.