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You'd think that safer cars would mean lower car insurance costs, but as The Wall Street Journal reported in August, 2017, "New cars loaded with high-tech crash-prevention gear are having a perverse effect on car-insurance costs: They are soaring."
Safety features like autonomous braking and lane departure warning in newer cars can reduce the number and severity of injuries, but they also make vehicles more expensive to repair when accidents happen. External mirrors, fenders and bumpers house sensors that help to avoid crashes–and carry higher repair costs than their conventional counterparts.
There are other factors that determine how much you pay for auto insurance. For example, the total annual mileage you drive, changes in your driving record, marital status, your age, and/or moving to a different neighborhood can cause you to pay more for car insurance.
There are plenty of reasons to drive safely, but saving money is an especially good one. If you've had speeding tickets or accidents within the last few years, your auto insurance rate will be higher than if you had a spotless driving record. Safe driving pays off – in more ways than one!
Some insurance – like Liability Coverage – is required by law in most states. The rest is up to you. Your insurance choices and coverage amounts have a major impact on how much you'll pay.
Enroll in Drive Safe & Save and we'll use information from your smartphone or your vehicle's OnStar® or SYNC® communication service to calculate your discount. Safe drivers save more with Drive Safe & Save.
If you're a new driver or under 25 years of age without any at-fault accidents or moving violations within the past three years, you could qualify for Steer Clear. You could save as much as 15% while learning to become a better, safer driver.
Save up to 17% if you have homeowners, renters, condo, or life insurance in addition to vehicle insurance. Speak with a State Farm agent to see if you're eligible or to learn about additional cost-saving discounts.
You qualify for this accident-free discount when your car, or the one it replaced, has been insured by State Farm for at least 3 continuous years without a chargeable accident.
If two or more vehicles in your household are insurance by State Farm and owned by related individuals, you could save as much as 20%.
You can save up to 25% just for getting good grades! And the savings last after you graduate from college, until you turn 25.
Take advantage of what we've learned through the years in Simple Insights®.
The real consequences of critical driving errors.
Auto manufacturers recalled a record number of cars. Know how to handle vehicle safety recalls.
What are the factors affecting car insurance premiums? Find out more from State Farm, and how you can help keep car insurance premiums low.
Rates, rating factors, and coverages vary by state.
OnStar® is a registered trademark of OnStar, LLC.
SYNC® is a registered trademark of Ford Motor Company.
State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
State Farm County Mutual Insurance Company of Texas