• State Farm Driving Safety Record Rate Level 68
• State Farm Driving Safety Record Rate Level 609

Typically, Allstate offers better rates than State Farm for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800-plus — should lean toward State Farm, which typically beats Allstate by $483 annually. View typical insurance rates by credit level for Allstate and State Farm. After 3,000 miles on American Family’s program or five hours and at least 10 trips in State Farm’s program, you complete the program and receive a discount. Discounts for driving behavior tracking.

Driving Records and Car Insurance Rates

Because your past driving behavior is indicative of your future behavior on the road, your driving history is a major factor in how your risk is viewed and, in turn, how your premium gets calculated. Let's look into how your driving record affects your auto insurance rates.

DMV Points and Your Driving Record

Many states use a points system for tickets and moving violations. The points go on your driving record and stay for specified periods of time (determined by your state and by the violation). The more points you accumulate, the more likely you are to lose your driver’s license, and the higher the risk you pose to your car insurance company.

When you are considered a “high-risk driver' by your insurance provider, you are subject to higher car insurance rates because you are more likely to file a claim than someone with a better driving record.

Violations still go on your record even if you live in a state that does not use the points system. Moving violations such as speeding, reckless driving, and DUI on your record will still result in premium increases.

To learn more about driving records and points in your state, visit our DMV Point System section.

Driving Under the Influence

Getting a serious moving violation like a DUI or DWI for driving under the influence of alcohol and/or drugs can cause your car insurance rates to skyrocket.

Insurance companies go on alert when they see a DUI, as this is indicator of an extremely high-risk driver. If you have a DUI conviction on your record, expect to see a rise in your insurance costs.

In some cases, you might be unable to renew your policy or face cancellation of your current policy, leaving you with few options other than obtaining an expensive policy from your state's automobile insurance plan.

State Farm Driving Safety Record Rate Level 68

Speeding

Speeding is a common but potentially deadly moving violation.

The National Highway Traffic Safety Administration reports that almost 26% of traffic deaths are related to speeding, and speeding claims almost 10,000 lives per year.

A single speeding ticket might not affect your car insurance rates much if you have an otherwise clean driving record, but your auto insurance rates might increase substantially after a speeding ticket if you have a history of accidents and moving violations.

Also, if you were ticketed for excessive speeding, you'll likely see bigger rate increases.

How to Keep Auto Insurance Rates Low

Keep your driving record points as low as possible to avoid higher insurance rates. This means driving safely to avoid traffic violations.

If you do get ticketed, there are some steps that you may be able to perform to take points off your license. The following may be possible, depending on which state you live in.

• Attending a defensive driving school. Check with your state DMV agency first, since some states only honor course completion certificates from a narrow list of approved schools.
• Maintaining a spotless driving record. If you drive violation-free and without accidents for a certain number of years, your state may deduct points from your driving record.
  • Check with your DMV to find out whether this option exists.
• Waiting it out. Many states will drop points after a set number of years.
  • If this option exists and you are in the market for a new provider, do not shop for quotes until the points have been dropped from your record. Otherwise, you'll be quoted a higher rate.

State Farm Driving Safety Record Rate Level 609

Monitoring Your Driving Record

Because points on your driving record can be so costly, it's important to monitor your driving record. Make sure you know what's on it, and check it periodically for accuracy.

It is especially important to check your record if you are shopping around for car insurance quotes, or if it is almost time to renew your current policy.

DMV offices can make mistakes and occasionally post incorrect driving record information that can unfairly hike your auto insurance rates. A traffic violation that should have been removed from your driving record, for example, could add hundreds of dollars to your car insurance rates.

Visit our page on Traffic Tickets and Car Insurance to learn more about how a moving violation will affect your auto insurance premiums.

Get a Car Insurance Quote & Start Saving!

As a safe driver, you could gain access to a discount on your State Farm insurance when you complete an online defensive driving course. State Farm sometimes provides course takers with an insurance discount, depending on your state and age. Contact your State Farm representative today at 1-800-782-8332 to find out how much your discount will be.

Once you've figured out how much you can save, you'll want to REGISTER for the course. The online defensive driving course will teach you how to improve your driving skills during dangerous situations on the road including bad weather. After completion, you'll receive an official SafeDriver.com completion certificate. Just forward this certificate to your insurance provider to claim your savings!

Defensive Driving Course
for a State Farm Insurance Discount

Save on Your State Farm Insurance Policy by Following these Steps:

• Check with State Farm (1-800-782-8332) to find out how much you can save. Ask about all family members for additional savings!
• Sign up for & finish the online Defensive Driving Course.
• Send your Certificate to State Farm & claim your discount.

Does State Farm give a discount for the defensive driving course?

In most states, State Farm Insurance offers a discount on auto insurance policies if you and/or other drivers on your policy complete an approved defensive driving course online.

How Can I get a discount on State Farm Insurance?

There are several ways to get a discount on State Farm auto insurance. Completing an online defensive driving course from SafeDriver.com is one of the easiest options, where approved. A few other discounts offered by State Farm include:

• Drive Safe program
• Steer Clear program for drivers under 25 years of age
• Accident-Free discount
• Good Student Discount

For a complete list of insurance discounts from State Farm, visit their discount page here.

How much is the State Farm defensive driving discount?

State Farm doesn't state how much the defensive driving discount is online. The discount offered varies from state to state. Contact your local State Farm agent for more information.

Can I use this course for an insurance discount if I DON'T have insurance with State Farm?

Yes. State Farm isn't the only car insurance provider offering a discount for completing an online Defensive Driving Course, such as SafeDriver.com.

When will I see my State Farm insurance discount after completing the defensive driving course?

Your defensive driver insurance discount will be retroactively applied. This means, once you submit your certificate of completion to State Farm, you will receive the discount based on the course completion date.

Is the course offered online?

You can take the SafeDriver.com defensive driving course on your computer, tablet, or smartphone. All you need is an internet connection to take this 100% online course.

How does the defensive driving course work?

You will need to register for the course and create an account. Then, just log in and start taking the defensive driving course. It will take a total of about four to six hours to complete, depending on your state requirements and you can work at your own pace.

After you've completed the course, you will receive an official SafeDriver.com certificate of completion to send to State Farm.

Will I save more if other drivers on my State Farm insurance policy take the course?

Depending on the age of the other drivers on your policy, you may receive an additional discount. Speak with your State Farm agent to find out if you qualify. Many families save even more money every year by having all drivers complete a defensive driving course online.

What should I do if my insurance discount expires?

After your defensive driver insurance discount expires (three years in most states), you can retake the class to claim your discount again. Speak with your State Farm agent to find out how long your current discount is good for.

Will the defensive driving course help with ticket dismissal?

In some states, you can use the SafeDriver.com defensive driver course for ticket dismissal and insurance premium discounts, such as Texas.

What if I have other questions?

We are available to answer your questions 24/7/365. Contact us over the phone, via email, or through our online chat system.

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Our Trusted Guarantee

We want you to be 100% happy and satisfied with our service and products. If you are not completely satisfied, just notify us by mail before you complete the course and prior to receiving your certificate of completion, and we will provide you a full and courteous refund within 10 business days!