• Install surge protectors, including a whole-house surge protector if possible. Surge protectors can help protect appliances and electronic equipment from the surge of electricity caused by lightning strikes. 
• Add a lightning protection system: a lightning protection system, often including lightning rods and grounding systems, can divert lightning strikes away from the building, reducing the risk of fire or damage. 
• Unplug electronic devices during a storm and seeking shelter at the lowest point in your home if you are home during a storm.  

Lightning remains a costly and unpredictable threat for homeowners. Lightning strikes can cause extensive damage to electrical systems, appliances, and even structural issues. The damage underscores the critical need for homeowners to be aware of the risks, invest in protective measures, and stay prepared, especially in high-risk regions where lightning strikes are most frequent and damaging. 

After a lightning storm, homeowners are encouraged to look for these common signs of lightning damage: 

• Charring — a lightning-strike site is often charred by lightning's intense heat. If you believe your home was struck by lightning, consider inspecting the property for burnt patches and charring. 
• Damaged electrical switches — similarly, the power surges sometimes caused by lightning can lead to burnt electrical switches. 
• Roof and wall damage — lightning can damage a roof or wall to the point of causing holes or reducing a home’s structural integrity. 
• Report lightning damage/claim to insurance as soon as possible to begin repair and recovery process. 

Consider taking extra precautions to prep your home if you live in a top lightning state. The Top 10 states for lightning claims according to Triple-I’s national industry average based on State Farm claims data are:

1. Florida 
2. Texas 
3. California 
4. Georgia 
5. North Carolina 
6. Louisiana 
7. Alabama 
8. New York 
9. Pennsylvania 
10. Illinois 
 

The most recent data (January 1 to June 30, 2024) shows a second consecutive year of decline in thefts. There were over 3,800 claims the first half of this year, down from the same time last year when State Farm received over 14,800 catalytic converter theft claims.  

Additional claims data from first half of year 2024:

• Over 3,800 claims, totaling approximately $11.2 million paid to customers to repair car and replace the stolen part
• Average claim in first half of 2024 is nearly $2,900

For comparison:

• 2019: 2,500 claims, $4.7M, $1,900 avg claim
• 2020: 10k claims, $20.9M, $2,100 avg claim
• 2021: 32k claims, $73.7M, $2,300 avg claim
• 2022: 45k claims, $115.4M, $2,500 avg claim
• 2023: 21.2K claims, $62.5M, $2,900 avg claim
• 2024: 3,800+ claims, $11.2M, $2,900 avg claim (January 1 to June 30, 2024) 

Top 10 states (first half 2024):

1. California, with over 2,000 claims compared to 5,400 claims in 2023
2. Illinois, with 540 claims compared to nearly 1,300 claims in 2023
3. New York, with nearly 200 claims compared to over 500 claims in 2023
4. Texas, with nearly 140 claims compared to 1,450 claims in 2023
5. Florida, with nearly 115 claims compared to 330 claims in 2023
6. Pennsylvania, with over 85 claims compared to over 480 claims in 2023
7. Ohio, with 77 claims compared to over 420 claims in 2023
8. New Jersey, with over 75 claims compared to 208 claims in 2023
9. Minnesota, with 68 claims compared to 400 claims in 2023
10. Colorado, with 58 claims compared to nearly 670 claims in 2023

As the auto insurance leader in the U.S., State Farm has an interest in helping build safer, stronger and better educated communities. As a reminder, we encourage drivers to continue following these tips to prevent theft:

• Park inside a garage or in well-lit areas.
• Install a sensitive alarm system.
• Have a security camera pointing at your car in its usual parking spot.
• Engrave your VIN on your car’s catalytic converter.
• To protect yourself, speak with your State Farm agent to make sure that your auto insurance policy covers the theft of your entire vehicle or of its parts through comprehensive coverage.
• Safety is paramount. If you encounter a potential theft do not approach or engage a potential thief. Contact authorities immediately.

“Mission Leaders like State Farm are vital to our work, helping drive innovation across our organization, providing capacity to respond immediately in times of crisis," said Cliff Holtz, president and CEO of the American Red Cross. “I am grateful for their support, which safeguards our ability to care for those in need when the unthinkable happens."

State Farm has a long history of providing grants to non-profits after disaster strikes a community. This new approach to pre-fund grants before disaster strikes aims to help provide streamlined and immediate support of disaster relief efforts. The goal of pre-funding is to support non-profit preparedness, relief and recovery efforts for communities and families impacted by disasters big and small – including hurricanes, floods, home fires and countless other crises – as efficiently and timely as possible. 

“Being a good neighbor is at the heart of the State Farm mission,” said Apsara Sorensen, State Farm Corporate Responsibility Assistant Vice President. “State Farm is committed to helping individuals and families manage the risks of everyday life and recover from the unexpected. We extend this commitment to the neighborhoods we serve by providing resources and collaborating with nonprofit organizations with a history of disaster response, providing immediate relief and vital necessities during times of need.”

"This proactive support ensures that Midwest Food Bank is ready to respond swiftly when natural disasters strike. Thanks to their commitment, we can bring hope and help to those in need, demonstrating the power of partnership in action," said Lisa Martin, CFO of Midwest Food Bank.

According to Ethan Forhetz, Convoy of Hope VP of Public Engagement, "This grant ensures that Convoy disaster response teams will stand ready to deliver hope to those whose lives have been turned upside down.” 

A natural phenomenon, lightning can cause extensive damage to ecosystems, property, and sometimes lead to death. Knowing and managing the risks associated with lightning can help protect your family and property.

Lightning Safety Tips:

If lightning is common in your area, familiarize yourself with ways to reduce risk before and during a lightning storm. For example:

• Go indoors at the first sign of a storm.
• Avoid touching electronics or anything with a cord, such as your hair dryer.
• Stay away from water sources, including pipes, sinks and showers.
• Do not stand or lean on concrete structures. Metal bars inside the concrete can conduct electricity.
• Seek shelter in a hard-top vehicle if you're stuck outside. Also avoid sitting inside convertible cars, golf carts and motorcycles.
• If swimming or boating when lightning is present, get out of the water and onto dry land.
• Do not touch metal surfaces, such as a sliding door.
• Avoid touching anything served by gas lines, such as water heaters, ovens, furnaces and fireplaces.
• If you're outside and shelter isn't available, crouch down at least 100 feet from tall objects, tuck your head in and cover your ears.
• If someone has been struck by lightning, call 911 or your local ambulance service immediately. If you are qualified, give the person first aid. Lightning victims are safe to touch and need medical attention right away.

Invest in lightning protection

Your best bet for stopping lightning damage in its tracks may be a lightning protection system tailored specifically to your home's architecture. Such a system creates a pathway for lightning bolts, guiding them safely into the ground.

Install lightning surge protection devices

Lightning strikes on or near a power line or utility service are a frequent cause of power surges. Point-of-use surge protection devices (SPDs), combined with a good grounding system, should protect your electronic and electrical appliances from most electrical surges. An SPD does not suppress or arrest a surge; it actually diverts the surge to the ground.

Service entrance SPDs provide protection for your entire electrical system and are usually installed at the electrical panel(s) or at the base of the service meter. These devices help prevent the entrance of overvoltages, which can cause a fire. Surge protection devices are typically installed in conjunction with a lightning protection system.

Lightning Insurance

While there isn't a policy for lightning alone, your homeowners, condo, or renters’ policy can help get you get you back on your feet if lightning does strike. You can also contact your insurance agent if you have coverage questions about damage due to lightning.

When Christine Lopez woke up Wednesday, Oct. 26, 2011, she didn’t expect the day to be so life-changing; literally upside down.

It started as a nearly perfect day in East Los Angeles. The sun was shining, a light breeze, barely a cloud in the sky. Christine and her five-year-old Leilani spent most of the morning looking for a special gift at the mall.

Around one o’clock in the afternoon, Christine decided it was time to head home. With Leilani buckled into her car seat enjoying a snack, she got behind the wheel of her SUV. She queued up Leilani’s favorite playlist, and headed for the nearest intersection.

The mother and daughter laughed and sang along to the music while waiting for the traffic light to turn green. When it finally did, Christine lifted her foot off the brake pedal, started to make a left turn — and then it happened…

In the blink of an eye, Christine’s wonderful day turned into a nightmare. A vehicle ran the red light and broadsided the Lopez family at 40 miles per hour. The smaller gas-electric hybrid impacted the SUV’s rear passenger side door and quarter panel, causing it to spin around several times and ultimately flip over.

When the glass, metal, and plastic stopped flying and the dust settled, they were upside down and facing the wrong way in oncoming traffic on a heavily-traveled street.

“I must have lost consciousness for a moment or two, but once I came around, Leilani was all I could think about,” Christine recalled. “I was upside down, and the car was eerily silent. I was afraid to look back. But when I did, I saw my daughter’s smiling face staring back at me. She was also hanging upside down in her car seat — safe and sound — giggling, ‘I’m upside down, mommy. Wheeee. That was fun,’ just like she had just been on an amusement park ride or something.”

Montebello Police Officer Oscar Chavez was the first emergency responder to reach the crash site and was surprised to find no one seriously hurt.

"Not many people walk-away from such a wreck unscathed. Whenever there’s an overturned vehicle or car on its side, we expect the worst, often finding a severely injured person or persons inside the vehicle,” shared Officer Chavez. “But that wasn’t the case here. We don’t normally see a motorist involved in this serious of a collision walk away without a scratch, especially a child. It was amazing, and says a lot about proper use of restraints.”

Most would say Christine and her daughter were lucky, that fate was on their side that day. But Christine was also smart. Had she not been practicing what she learned from a child passenger safety seat inspection undergone a few days prior, the outcome could’ve been much different.

Just four days before and at the urging of a close friend in the California Highway Patrol, Christine decided to attend a child passenger safety/safety seat inspection event in her neighborhood sponsored by State Farm®.

Ninety-six percent of parents like Christine, roll up to an inspection station confident that the seats protecting their kids are installed and being used correctly.

Fajardo says most people don’t. “Some seats get passed down from kid to kid, borrowed from family members, or purchased at second hand stores, yard sales or thrift stores,” she explained. “We don’t recommended secondhand seats because you never know what you’re going to get. The effects of wear and tear or other environmental factors over the years could’ve compromised the straps, plastic, or locking mechanisms.”

During the inspection, Fajardo made one other change: she moved Leilani’s seat from the passenger side to the center of the back seat.

While sitting in the middle isn’t a safety requirement, it worked for Christine since Leilani was generally the only rear seat passenger – and as luck would have it, this was the reason Leilani wasn’t sitting by the door that was struck four days later.

After the evaluation was complete, Christine was a bit frustrated but grateful. Officer Fajardo replaced her expired booster seat with a smaller safety seat with a five point harness. Then, taught Christine how to install it and how to properly restrain Leilani in it.

“It was intense and humbling, learning that I was putting my daughter at risk,” admits Christine.

While the child safety seat played a pivotal role for Leilani, it wasn’t the only passenger safety restraint at work in this case. The seat belt and airbags played critical roles, too. It quite possibly saved Christine’s life.

It’s been ten years since Christine and Leilani dangled upside down on Montebello Boulevard.

While the physical bumps and bruises have all healed, the memories still linger.

“Every time we drive by that intersection, Leilani says, ‘Remember what happened here, Mommy?’ I say, ‘How can I forget, baby.’”

Leilani, now almost sixteen, like many teens, has no urge to drive herself. She’s more than content letting her mom stay behind the wheel.

Christine still wonders what could have happened if she had stayed in bed on October 22, rather than go to the child seat inspection.

“What if Leilani’s seat hadn’t been replaced?” wonders Christine. “What if her seat was anchored in the passenger side rear seat at the time of the collision? What if I hadn’t buckled up properly? Would we still be alive?”

What if, indeed.

Like a good neighbor, State Farm is there. It's more than a slogan; it's who we are.

For the past 100 years, we've made it our mission to restore lives, help rebuild neighborhoods, invest in communities, and support education and safety initiatives – like car seat safety - where we live and work. It's what being a good neighbor is all about. 

October 1, State Farm® will serve as the exclusive insurance provider for Lyft and their drivers and passengers in Oklahoma, Louisiana, Alabama, Mississippi, S. Carolina and Tennessee.

Under the policy, Lyft drivers are covered from the moment a driver turns on the Lyft app to wait for a trip request, while driving to pick up a rider and until the trip ends. Lyft riders are also protected during the trip.

State Farm History Supporting TNC (Transportation Network Companies) Drivers
 

• 2015: State Farm worked with others to set consistent and modern insurance regulation for TNC services. It supported the growing industry and created a framework to protect consumers.
   
• 2016: State Farm launches the Rideshare Endorsement. It is now available in 46 states and the District of Columbia. With the endorsement, State Farm customers extend their personal auto policy to fill coverage gaps.
   
• 2019, State Farm worked directly with Lyft to provide direct insurance coverage to Lyft drivers and riders in Georgia, Texas and Arizona. 

Working with Lyft allows State Farm to meet today’s insurance needs and explore future opportunities. It brings nearly 100 years of insurance experience to protect Lyft drivers and riders from the unexpected.

“We’re thrilled this strategic alliance will position State Farm agents to help customers protect their classic vehicles while giving them an opportunity to connect with a community of car enthusiasts,” said Rand Harbert, State Farm Executive Vice President and Chief Agency, Sales & Marketing Officer. 

Hagerty is an automotive lifestyle brand and a leading provider of specialty insurance for classic, vintage and enthusiast vehicles. The company is known for its outstanding service and for its breadth of knowledge about collector vehicles.

“We are especially pleased to offer State Farm Classic+ customers access to popular Hagerty features and services,” said McKeel Hagerty, CEO of Hagerty.  “We are excited to work with State Farm and their incredible agents.”

The State Farm Classic+ policy will be offered through State Farm Classic Insurance Company, a new wholly owned subsidiary of State Farm Mutual Automobile Insurance Company, and may be subject to state regulatory review and approval. This policy will be available to new and existing customers through their State Farm agent.

State Farm Classic+ is expected to be available in most states in 2023.

State Farm is the largest insurer of cars and homes in the U.S.

“The Board of Directors welcomes State Farm Board representatives Scott Winn, Small Business Insurance Loss Control Administrator, and Liz Pulver, Transportation Safety Research Senior Program Manager, to NETS,” said Terry Thomas, NETS Board Chair and Global Director of Health & Safety Technology Solutions, UPS. “State Farm is a well-recognized brand that has a long history as a safety pioneer since being founded in 1922 through their efforts to protect customers and communities from the risks of everyday life at home and on the road. Collectively, the NETS Board of Directors could not be more pleased, and we look forward to collaborating with Scott and Liz as we work to reduce risk and save lives.”

“State Farm is excited to join NETS’ Board of Directors and looks forward to partnering with other respected companies to improve road safety for employees and motorists,” Scott Winn said. “Our commitment to the safety of all road users drives State Farm leadership participation in organizations like NETS,” Liz Pulver added.

NETS’ Board of Directors members are comprised of public and private sector leaders with a commitment to road safety. They are senior level leaders who promote NETS’ mission and represent businesses and organizations that have created a proactive safety culture by promoting traffic safety policies and awareness activities in their workplaces.

Established in 1989, NETS board of director companies are recognized in the U.S. and around the world for advancing road safety. State Farm joins current board members Acertus, Chubb, Consolidated Edison, Hess Corporation, Johnson & Johnson, Liberty Mutual Insurance Group, Toyota North America, and UPS. In addition, the National Highway Traffic Safety Administration (NHTSA) and the National Institute for Occupational Safety and Health (NIOSH) serve as federal liaisons to the board of directors.

About NETS

NETS is a 501(c)3 public/private partnership dedicated to improving the safety of employees, their families, and members of the communities in which they live and work by preventing traffic crashes that occur both on and off-the-job.

NETS is a member of the United Nations Road Safety Collaboration, which provides guidance to the Decade of Action for Road Safety 2021-2030 global initiative. For more information on NETS, visit www.trafficsafety.org.

To put it in perspective, in 2019 State Farm received around 6,000 claims from named storms, totaling approximately $26 million. In 2020, claims filed neared 163,000 and exceeded $1.9 billion in cost.

Total Claims Paid | Home & Auto

1. Louisiana $1.3 billion
2. Alabama $165 million
3. Georgia $94 million
4. New York $64 million
5. Texas $45 million

Hurricanes cause destruction to homes, communities, and lives. It is important to plan and prepare best you can for hurricane season with an evacuation plan, updating insurance documents, and ready-to-go emergency kits.

• How to create a home inventory
• Preparing for a hurricane
• FAQs following a hurricane

State Farm also experienced growth in other lines of business, and the State Farm life insurance companies paid out nearly $600 million in dividends to policyholders and ended 2020 with nearly a trillion dollars of individual life insurance in force. As the number one Auto and Homeowners insurer in the U.S. and a leader in individual life insurance, State Farm is committed to serving its policyholders and remains a strong choice for insurance and financial services needs.

“We strive to help more people in more ways. In an unprecedented year like 2020, we focus on our core mission to help people manage the risks of everyday life, recover from the unexpected, and realize their dreams,” said Senior Vice President, Treasurer and Chief Financial Officer Jon Farney. “The Good Neighbor Relief Program is a testament of our commitment to our policyholders and communities. Whether premium relief, dividends to State Farm Mutual auto customers, payment flexibility or philanthropic efforts in the communities we live and work, we're focused on relief and recovery efforts.”

The State Farm P-C group of companies reported earned premium of $65.1 billion, a combined underwriting gain of $1.9 billion, and paid $1.9 billion in dividends to policyholders. This result compared to an underwriting gain of $777 million on earned premium of $64.8 billion in 2019. The 2020 underwriting results reflect lower auto lines incurred claims offset by returns of value to customers in the form of lower premiums, along with an increase in homeowners incurred claims. The increase in homeowners incurred claims during 2020 was due to significant catastrophe activity across the country. The 2020 underwriting gain, combined with dividends to policyholders, and investment and other income of $4.6 billion, resulted in a P-C pre-tax operating gain of $4.5 billion, which was $1.2 billion lower than 2019. Total revenue, which includes premium revenue, earned investment income and realized capital gains (losses) was $78.9 billion for 2020 compared to $79.4 billion for 2019. State Farm reported net income of $3.7 billion in 2020 compared to $5.6 billion of net income in 2019. The net worth for the State Farm group ended the year at $126.1 billion compared with $116.2 billion at year-end 2019. The change includes a significant increase in the value of the P-C companies’ unaffiliated stock portfolio, driven by increases in the U.S. equities market.

The State Farm insurance operations consist of eleven P-C companies and two life companies, each of which is managed on an individual affiliate level. The P-C companies are primarily engaged in automobile, health, homeowners, commercial multiple peril (CMP) and reinsurance lines of business. The life companies are primarily engaged in individual life insurance and annuity business. The State Farm group makes third party mutual funds and third party banking products available through affiliated State Farm companies that act as intermediaries between the third parties and State Farm customers. State Farm provides insurance and financial services products across over 84 million policies and accounts.

Auto – The State Farm auto insurance business represented 62 percent of the P-C companies’ combined net written premium. Earned premium was $41.3 billion. Incurred claims and loss adjustment expenses were $27.6 billion and all other underwriting expenses totaled $10.1 billion. The underwriting gain was $3.5 billion and dividends to policyholders totaled $1.9 billion.

Comparable 2019 figures were: earned premium, $41.5 billion; incurred claims and loss adjustment expenses, $32.0 billion; all other underwriting expenses, $10.3 billion; underwriting loss, $764 million.

Homeowners, CMP, Other – The net written premium for the remainder of the State Farm P-C business represented 36 percent of the P-C companies’ combined net written premium. Earned premium was $22.9 billion. Incurred claims and loss adjustment expenses were $18.6 billion and all other underwriting expenses totaled $5.9 billion. The underwriting loss was $1.6 billion.

Comparable 2019 figures were: earned premium, $22.4 billion; incurred claims and loss adjustment expenses, $14.8 billion; all other underwriting expenses, $5.6 billion; underwriting gain, $2.0 billion.

Health – The individual health insurance operations for State Farm Mutual Automobile Insurance Company reported an underwriting loss of $24 million, excluding the change in the premium deficiency reserve. Net written premium was $710 million.

Comparable figures for 2019 were: underwriting loss, $66 million; net written premium, $707 million.

Life – In 2020, State Farm Life Insurance Company and State Farm Life and Accident Assurance Company reported premium income of $5.5 billion and $584 million in dividends to policyholders. Net income for 2020 was $339 million. There was $994 billion in individual life insurance in force at the end of 2020. 

Comparable 2019 figures were: premium income, $5.5 billion; dividends to policyholders, $578 million; net income, $673 million; individual life insurance in force, $945 billion.

Investment Planning Services – Total assets under management for the Investment Planning Services operation at the end of 2020 were $13.9 billion. State Farm VP Management Corp. and State Farm Investment Management Corp. reported a combined net loss of $33 million in 2020.

Comparable figures for 2019 were: total assets under management, $12.7 billion; net loss, $22 million.

GAINSCO, Inc. – On Dec. 31, State Farm Mutual Automobile Insurance Company acquired GAINSCO, Inc. The insurance operations for GAINSCO, Inc. are excluded from the reported results for the State Farm P-C group of companies in this release. In 2020, total revenue was $335 million, net income was $5 million and total assets totaled $421 million.

Although financial information is presented on a group/line of business basis, State Farm Mutual Automobile Insurance Company and each of its affiliates must meet solvency and regulatory requirements on an individual entity-by-entity basis without regard to the solvency or financial condition of any other affiliated entity.

Securities distributed by State Farm VP Management Corp.

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Neither State Farm nor its agents provide investment, tax, or legal advice.

Download the 2020 By the Numbers infographic.  

The transaction is expected to close in early 2021, subject to approval by GAINSCO’s shareholders, the expiration or termination of the applicable waiting period under the Hart-Scott-Rodino Antitrust Improvements Act of 1976, obtaining regulatory approvals, and satisfaction of other customary closing conditions.

GAINSCO concentrates on the non-standard personal automobile insurance market, specializing in minimum-limits personal auto insurance.

The transaction is the first acquisition of an insurance company by State Farm in its 98-year history.

“We believe this acquisition positions both our company and GAINSCO well for future growth,” said Michael Tipsord, State Farm President, Chairman, and CEO. “Because of our competitive value, broad line of products, and exceptional customer service from our employees and 19,200 State Farm independent contractor agents, customers have made us the largest property and casualty insurer for several decades. We are excited for the opportunity State Farm agents will have to serve a market that has historically not been open to them. This will help us further toward our goal of serving more customers in more ways.”

“This transaction creates value for GAINSCO’s shareholders and is especially opportunistic for our GAINSCO team, agency base, policyholders and plans for future growth." said GAINSCO Executive Chairman Bob Stallings. He added, “GAINSCO is a leading provider of non-standard auto insurance products in the markets we serve and we look forward to partnering with State Farm, its agent network and our existing agency channels to achieve our mission of becoming a nationwide leader in the fastest growing segment of the auto insurance market."

“State Farm has an extraordinary market reputation and a highly capable independent contractor agency system,” said GAINSCO CEO Glenn Anderson. “GAINSCO looks forward to providing our very successful minimum limits auto insurance program to State Farm agents in the future, while continuing to partner with our own outstanding agency system as we expand across the country. We are excited that, in joining forces with State Farm, we will accelerate our long term mission to become the best nationwide non-standard personal auto insurer in the industry.”

Transaction Details

Under the definitive merger agreement, upon closing State Farm Mutual will acquire 100% of the stock in GAINSCO, Inc., the holding company of MGA Insurance Company, Inc., a Texas-domiciled insurance company, and GAINSCO shareholders will receive approximately $107.38 per share in cash. GAINSCO will continue to operate as a separate company and brand with continued focus on its current objectives. Over time, the parties expect to provide State Farm agents the opportunity to distribute GAINSCO products in addition to State Farm products and services.

Barclays Capital Inc. was the financial adviser to State Farm, and Mayer Brown LLP served as legal counsel for State Farm. Sherman & Company was the financial adviser to GAINSCO, and Hunton Andrews Kurth LLP served as legal counsel for GAINSCO.

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After a harrowing encounter with a deer in southeastern Pennsylvania this fall, Chrissi Rhodes Villa has a simple message for you.

“Please be careful on the roads and watch for deer,” she said.

In an instant, a deer bounded into the road and collided with their car, one of nearly 2 million crashes with animals every year.

“We weren’t going fast,” Rhodes Villa said. “It just happened so fast.”

It’s not an unusual occurrence, especially in October, November and December. U.S. drivers on average have a 1 in 116 chance of a collision with an animal, according to the State Farm^® annual study. There were over 1.9 million animal collision insurance claims in the U.S. between July 1, 2019 and June 30, 2020.

Pennsylvania ranks third in the country with drivers having a 1-in-51 chance of an animal collision. West Virginia (1-in-37) again tops the list, followed by Montana (1-in-47). South Dakota and Michigan round out the top five, followed by Wisconsin, Iowa, Mississippi, Minnesota and Wyoming.

The large majority of animal collisions are with deer. For the year July 1, 2019 to June 30, 2020 there were estimated to be 1.5 million deer claims industry-wide.

“Claims after collisions with an animal range from small dents to totaled vehicles and injured drivers and passengers,” says Michael Braaten, director, Enterprise Research. “By sharing ways to help drivers be aware of the increased dangers this time of year – including inclement weather, shorter periods of daylight and students driving home after evening activities – State Farm hopes to help decrease the number of collisions and injuries.”

Hawaii (1-in-649), Nevada (1-in-551) and California (1-in-427) are the states where drivers have the least chance of an animal collision.

How Can You Avoid Deer in Your Headlights?

Growing deer and other animal populations combined with the displacement of animal habitats are making animal crashes more likely. There’s no real way to keep large animals like deer, moose, and elk off the road, but these safety tips can help you prevent animal-car collisions.

• Stay alert. Pay attention to "deer crossing" and other signs and be cautious in areas near woods or water.

• Use high beams. Flicking your high beams on a deer in the road may cause the animal to scurry away. High beams also help illuminate dark roads.

• Don't swerve. If an animal-car crash is inevitable, maintain control of your vehicle and don't veer off the road.

• Brake as necessary. If you can avoid hitting the animal, reduce your speed, honk your horn and tap your brakes to warn other drivers. If there are no drivers behind you, brake hard.

• Remember peak season. Deer crashes happen most during October through December, which is hunting and mating season. Collisions are most likely to happen in West Virginia, Montana, Pennsylvania and South Dakota.

• Remember meal time. Watch for animals in the road between dusk and dawn.

• Watch for herds. If you see one deer, there are probably more nearby.

• Don't rely on a whistle. No scientific evidence supports that car-mounted deer whistles work.

• Wear seat belts. Always obey speed limits and wear seat belts.

“Please be careful on the roads and watch for deer,” she said.

In an instant, a deer bounded into the road and collided with their car, one of nearly 2 million crashes with animals every year.

“We weren’t going fast,” Rhodes Villa said. “It just happened so fast.”

It’s not an unusual occurrence, especially in October, November and December. U.S. drivers on average have a 1 in 116 chance of a collision with an animal, according to the State Farm^® annual study. There were over 1.9 million animal collision insurance claims in the U.S. between July 1, 2019 and June 30, 2020.

Pennsylvania ranks third in the country with drivers having a 1-in-51 chance of an animal collision. West Virginia (1-in-37) again tops the list, followed by Montana (1-in-47). South Dakota and Michigan round out the top five, followed by Wisconsin, Iowa, Mississippi, Minnesota and Wyoming.

The large majority of animal collisions are with deer. For the year July 1, 2019 to June 30, 2020 there were estimated to be 1.5 million deer claims industry-wide.

“Claims after collisions with an animal range from small dents to totaled vehicles and injured drivers and passengers,” says Michael Braaten, director, Enterprise Research. “By sharing ways to help drivers be aware of the increased dangers this time of year – including inclement weather, shorter periods of daylight and students driving home after evening activities – State Farm hopes to help decrease the number of collisions and injuries.”

Hawaii (1-in-649), Nevada (1-in-551) and California (1-in-427) are the states where drivers have the least chance of an animal collision.

How Can You Avoid Deer in Your Headlights?

Growing deer and other animal populations combined with the displacement of animal habitats are making animal crashes more likely. There’s no real way to keep large animals like deer, moose, and elk off the road, but these safety tips can help you prevent animal-car collisions.

Stay alert. Pay attention to "deer crossing" and other signs and be cautious in areas near woods or water.

Use high beams. Flicking your high beams on a deer in the road may cause the animal to scurry away. High beams also help illuminate dark roads.

Don't swerve. If an animal-car crash is inevitable, maintain control of your vehicle and don't veer off the road.

Brake as necessary. If you can avoid hitting the animal, reduce your speed, honk your horn and tap your brakes to warn other drivers. If there are no drivers behind you, brake hard.

Remember peak season. Deer crashes happen most during October through December, which is hunting and mating season. Collisions are most likely to happen in West Virginia, Montana, Pennsylvania and South Dakota.

Remember meal time. Watch for animals in the road between dusk and dawn.

Watch for herds. If you see one deer, there are probably more nearby.

Don't rely on a whistle. No scientific evidence supports that car-mounted deer whistles work.

Wear seat belts. Always obey speed limits and wear seat belts.

In the News

• AccuWeather.com:  Ways to steer clear of deer this year (11/10/20)

• Nine out of ten teenage drivers say they engage in at least one smartphone behavior while driving.
• Parents influence their teenage children. Teens whose parents use cellphones while driving were more likely to do the same.
• Teens report using phones while driving despite finding such activities distracting and believing they can increase the likelihood of a crash.
• Teens who have been in an accident have a higher tendency to use their phone when behind the wheel.
• Many teens reported driving a vehicle equipped with an advanced safety feature: automatic emergency braking, adaptive cruise control, or lane keeping assist. These teens more likely engaged in distracted smartphone behaviors while driving than those who drove vehicles without safety features. Teens are comfortable taking their eyes off the road to focus on other tasks when the safety systems are active. This is a dangerous combination.

“Drivers who engage in distracting behaviors while behind the wheel are making the decision to put themselves, their passengers and other road users at risk,“ said Laurel Straub, Assistant Vice President of Enterprise Research at State Farm. “Unfortunately, this risk often leads to crashes, injuries, and fatalities. These tragedies are preventable.”

For teens, parents are an important role model in the car.

"Our data shows that teens who admit to using a smartphone while driving are more likely to have a parent or guardian who also uses a phone while driving,” Straub added.

When learning hands-on driving skills it's important to:

• Eliminate distractions when behind the wheel.
• Practice your driving skills with your parents.
• Enroll in drivers education courses. 
• Review state graduated drivers licensing laws.
• Establish restrictions, boundaries and curfews. 

Tips to avoid distractions while driving (not just for teens!):

• Put the phone away. Set it to send an automatic reply while driving – no texts, internet, selfies or social media.
• Adjust controls -  GPS, radios, air conditioning, or mirrors – before driving.
• If you must call, pull over and park in a safe place or ask your passenger to call.
• Always, always have your head in the game – drive safe.

More safety help is available. Our auto insurance discount programs like State Farm Drive Safe & Save^TM and Steer Clear^® help you save while also improving your driving habits. Steer Clear reinforces safe driving habits in young drivers under age 25.

*Source: ^{1, 2} National Highway Traffic Safety Administration; ³ Pew Research Center

RELATED CONTENT:

• Learning to Drive During the Pandemic
• Smartphones While Driving: We Know It’s Risky. So Why Do We Do It?
• Teen driving 101: a step-by-step test of essential driving skills
• Ways to help your teen driver stay safe
• Things have changed since you learned to drive
• Attention, teen drivers: buckle up (video)
• 4 Driving experiences your teen needs
• Texting while driving includes growing mobile web use
• Full 2020 Survey Report: Distracted Teens Behind the Wheel

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Matt Steele. “As a result, we’re looking for ways to continue supporting our Minnesota customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Minnesota are subject to regulatory review. Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said VPA Maggie Oleson. “As a result, we’re looking for ways to continue supporting our Wisconsin customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Wisconsin are subject to regulatory approval. Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said VPA, Eloy Martinez. “As a result, we’re looking for ways to continue supporting our New Mexico customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in New Mexico are subject to regulatory approval. Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said VPA, Terry Barton. “As a result, we’re looking for ways to continue supporting our Iowa customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Iowa are subject to regulatory approval. Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said VPA Matt Steele. “As a result, we’re looking for ways to continue supporting our North Dakota customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in North Dakota are subject to regulatory approval. Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Tom Conley, SVP. “As a result, we’re looking for ways to continue supporting our Alaska customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Alaska are subject to regulatory approval. Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said VPA Kenneth Whitehair. “As a result, we’re looking for ways to continue supporting our Nevada customers while we monitor and adjust to trends.”

Rate changes in Nevada are subject to regulatory approval. Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said VPA Kenneth Whitehair. “As a result, we’re looking for ways to continue supporting our Wyoming customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Wyoming are subject to regulatory review. Customer rate reductions will vary based on their individual renewals Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said State Farm Senior Vice President Rob Stewart. “As a result, we’re looking for ways to continue supporting our Ohio customers while we monitor and adjust to trends.”

In addition to this auto rate reduction, the discount for participating in Drive Safe & Save™ has increased to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage, and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Dan Krause, Senior Vice President. “As a result, we’re looking for ways to continue supporting our Kentucky customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Phillip Hawkins, State Farm Senior Vice President. “As a result, we’re looking for ways to continue supporting our Louisiana customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in are subject to regulatory approval. Customer rate reductions will vary based on their individual renewals Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Phillip Hawkins, Sr. Vice President, State Farm. “As a result, we’re looking for ways to continue supporting our Oklahoma customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Oklahoma are subject to regulatory approval. Customer rate reductions will vary based on their individual renewals Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Dan Krause, Senior Vice President. “As a result, we’re looking for ways to continue supporting our Tennessee customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said VPA Laura Kunewa. “As a result, we’re looking for ways to continue supporting our Arizona customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Arizona are subject to regulatory review. Customer rate reductions will vary based on their individual renewals Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said VPA Kenneth Whitehair. “As a result, we’re looking for ways to continue supporting our Utah customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Utah are subject to regulatory review. Customer rate reductions will vary based on their individual renewals Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Eloy Martinez, VPA. “As a result, we’re looking for ways to continue supporting our Colorado customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Colorado are subject to regulatory review. Customer rate reductions will vary based on their individual renewals Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said VPA Terry Barton. “As a result, we’re looking for ways to continue supporting our South Dakota customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in South Dakota are subject to regulatory review. Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said VPA Terry Barton. “As a result, we’re looking for ways to continue supporting our Nebraska customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Nebraska are subject to regulatory review. Customer rate reductions will vary based on their individual renewals Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Joe Spicer, Vice President – Agency/Sales. “As a result, we’re looking for ways to continue supporting our New York customers while we monitor and adjust to trends.”

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Lyndsey Wellens, Vice President – Agency/Sales. “As a result, we’re looking for ways to continue supporting our Pennsylvania customers while we monitor and adjust to trends.”

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Matt Hodson, Vice President – Agency/Sales. “As a result, we’re looking for ways to continue supporting our Maine customers while we monitor and adjust to trends.”

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Phillip Hawkins, Sr. Vice President, State Farm. “As a result, we’re looking for ways to continue supporting our customers while we monitor and adjust to trends.”

This applies to current customers at policy renewal, as well as new and returning customers. 

As part of a move to reduce auto rates nationally, State Farm has also recently filed rate reductions in Illinois and Kansas. State Farm reduced Kansas auto rates 9.3% totaling $32.9 million for 515,000 customers and in Illinois, State Farm reduced rates by 13.7% totaling $320 million for 2.8 million customers.

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Tom Conley, SVP. “As a result, we’re looking for ways to continue supporting our Washington customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Tom Conley, SVP. “As a result, we’re looking for ways to continue supporting our Hawaii customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Hawaii are subject to regulatory approval. Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Tom Conley, SVP. “As a result, we’re looking for ways to continue supporting our Montana customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Montana are subject to regulatory approval. Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Joe Spicer, Vice President - Agency/Sales. “As a result, we’re looking for ways to continue supporting our New Jersey customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Tom Conley, SVP. “As a result, we’re looking for ways to continue supporting our Idaho customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Idaho are subject to regulatory approval. Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Jason Bloom, Vice President – Agency/Sales. “As a result, we’re looking for ways to continue supporting our D.C. customers while we monitor and adjust to trends.”

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Matt Hodson, Vice President – Agency/Sales. “As a result, we’re looking for ways to continue supporting our Connecticut customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Dan Krause, Senior Vice President. “As a result, we’re looking for ways to continue supporting our North Carolina customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Dan Krause, Senior Vice President. “As a result, we’re looking for ways to continue supporting our Florida customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Phillip Hawkins, State Farm Senior Vice President. “As a result, we’re looking for ways to continue supporting our Texas customers while we monitor and adjust to trends.”

The rate reduction applies to current customers at policy renewal, as well as new and returning customers.

In addition, the discount for participating in Drive Safe & Save is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in Texas are subject to regulatory review. Customer rate reductions will vary based on their individual renewals Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Matt Hodson, Vice President – Agency/Sales. “As a result, we’re looking for ways to continue supporting our Connecticut customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Customer rate reductions will vary based on their individual renewals Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Dan Krause, Senior Vice President. “As a result, we’re looking for ways to continue supporting our Alabama customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Customer rate reductions will vary based on their individual renewals. Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.