How to Handle Your State Farm Car Insurance Renewal

State Farm car insurance renews automatically, but shopping around before your policy renews could help you find a lower rate.

• How State Farm car insurance renewals work
• What to do when you receive your State Farm renewal notice
• Option 1: Accept your new rate and make a payment to renew your policy
• Option 2: Shop around and compare quotes to find a lower rate
• If you missed your State Farm renewal date: Review your rate and shop around
• If State Farm won’t renew your policy
• FAQs

car insurance policies typically renew automatically—all you need to do is make a payment to renew your coverage. However, comparison shopping can help you find a lower rate before you commit to your State Farm renewal premium.

policies, your State Farm coverage will automatically renew when it reaches its expiration date. Here’s how the

You’ll receive a renewal notice: Your State Farm renewal notice will typically arrive by mail or email approximately 30 days before your official renewal date. If you have the State Farm mobile app, you may receive a renewal notification, as well. Regardless, your renewal notice will include your new policy rate, the expiry date for your old policy, and possibly an updated insurance ID card.

You can accept your new rate, but it might be higher: State Farm is among several other insurance providers that have increased rates year-by-year since 2021. 1 You may notice a rate increase of up to 13.9% when your policy renews, and you can choose to accept it by making the first payment for your policy term.

Or, you can shop around for a better offer: If your renewal premium seems too high, you can shop around for a policy with a better rate. If you find a lower offer, you can set up your new insurance policy and cancel your existing State Farm coverage before it renews.

Your insurance rate may increase when your policy renews due to recent accidents, insurance claims, lost discounts, new drivers or vehicles on your policy, or moving violations on your driving record. In recent years, inflation has driven the insurance industry to raise rates, which is the leading cause of generally higher insurance premiums.

Your State Farm renewal notice will typically arrive by mail or email approximately one month before the policy term ends. It will include your official renewal date, instructions on how to activate your policy for the upcoming term, and the following details and documents:

Pro Tip: Review your coverage levels and current policy discounts when your renewal notice arrives. You may decide to alter your coverage, and it’s wise to contact your State Farm insurance agent to ask about new discounts that could bring your renewal rate down.

If you decide to go with your State Farm renewal rate, you can start your new insurance term by making a payment. State Farm offers a few ways to make renewal payments:

Online: You can log into your State Farm online account or use your phone number, policy number, payment plan or account number, or key code with your birthday to make a one-time payment. State Farm accepts credit card and debit card payments.

Phone: Your renewal notice will include a key code to pay your insurance bill by calling 800-440-0998. You can use a credit card or your bank account details.

In person: You can visit your State Farm agent in person to pay using a credit card, check, or money order made payable to State Farm.

By mail: Your renewal notice may include a return envelope for your payment. Using the envelope, you can send a check or money order to State Farm Insurance Companies, Insurance Support Center - East, P.O. Box 588002, North Metro, GA 30029.

If you have auto-pay set up, your State Farm insurance policy will likely automatically renew without any action on your end. The first bill for your new policy term will be paid via the payment method that you currently use for auto-pay.

Pro Tip: Reach out to your State Farm insurance agent to verify that your automatic payment method will work for your upcoming renewal bill.

from three to five different providers can help you find the most affordable auto insurance premium from a reputable insurance company.

If your policy renewed with auto-pay: If you missed your State Farm renewal date and your policy renewed at a higher rate with auto-pay, it’s not too late to shop around and find a better offer. You can cancel your State Farm policy at any time and switch to a new provider for a lower rate—just keep in mind that you may face a cancellation fee or administrative fees depending on your state.

If you missed your renewal payment deadline: If you missed your State Farm renewal date and did not make a payment to renew your policy or set up a new insurance plan before your coverage expired, your insurance has lapsed and you are uninsured. In some cases, you may be able to call State Farm to reinstate your coverage.

If your coverage lapses: State Farm will contact the Department of Motor Vehicles (DMV) to notify them of your uninsured driver status, which could result in a driver’s license suspension or fines. And if you get into an accident without coverage, you could face high out-of-pocket costs for medical bills or property damage.

You may be able to reinstate your policy: State Farm typically offers grace periods for late payments, but when it comes to missed renewals, you’ll need to request a policy reinstatement. Contact your State Farm insurance agent to go over your options.