Competitive New Jersey 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.

You may be eligible for this auto insurance discount in New Jersey if the principal operator of the vehicle is at least 65 years of age or older.

You may be eligible for this New Jersey auto insurance discount if your vehicle is equipped with an anti-theft mechanism.

New Jersey drivers could save 5% on applicable coverages.

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 motor vehicle defensive driving course that has been approved by the Director of the Motor Vehicle Commission.

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

Discount Term and Renewal

The Defensive Driving Discount (DDD) will begin at the inception date (new policies) or is applied at the renewal following the completion date of the course (existing policies). DDD applies for a period of three years, at the end of which, the insured must provide evidence that the course has been successfully repeated to renew the discount.

Termination of Discount

DDD 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.

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.

Drivers may be eligible for this discount if all assigned drivers under the age of 21 have successfully completed an acceptable driver education course in a high school or other secondary educational institution or such an approved course in a commercial driver training school that:

• Was conducted by an instructor who is licensed or certified to conduct such a course, and
• Included at least 10 hours of classroom instruction and three hours of actual driving under the personal supervision of a certified instructor.

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

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%.

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.

1997 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards will receive an auto insurance discount.

You may be eligible for this New Jersey auto insurance discount if the named insured is:

• The owner
• The only designated operator of two or more private-passenger cars insured by State Farm in the Standard and/or Non-Standard Rating Plans
• The only licensed driver residing in the household

The otherwise applicable Personal Injury Protection rate shall apply to the most frequently operated car, and the Personal Injury Protection Additional Cars Discount shall apply to each additional car in the household.

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

1998 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.