Biller name
State Farm
HQ: Bloomington, IL
Legal name
State Farm Mutual Automobile Insurance Company
Website
Also known as
State Farm Insurance · State Farm Fire and Casualty · State Farm Life Insurance
Deferit is unaffiliated with State Farm
Pay your State Farm bill with Deferit
Earn 2% cashback on every bill you pay with Deferit.
Financing Option
Deferit can pay your bill now, then you pay it back later.
How to pay Payment methods Support Late fees FAQ Split into installments
State Farm Account & Billing Support
| Department | Number / Channel | Hours |
|---|---|---|
| Billing & payments (24/7 pay line) Main | 800-440-0998 | 24/7 |
| General questions / technical help | 800-782-8332 | |
| Local State Farm agent | statefarm.com/agent |
Retrieved May 2026 · Source: statefarm.com/customer-care/contact-us · current departmental phone numbers and hours of operation.
State Farm Bill Types
About State Farm
State Farm Mutual Automobile Insurance Company is a U.S. insurance and financial services group headquartered in Bloomington, Illinois. State Farm offers vehicle insurance (car, motorcycle, boat, RV), home and property insurance (home, condo, renters, rental property, manufactured home), life, health and disability insurance, and small business insurance.
State Farm bills commonly cover auto, home, renters, condo, life, health, and small business policy premiums, billed individually or grouped on a State Farm Billing account. Bills may include late payment or returned payment fees where they apply. Deferit is unaffiliated with State Farm.
How to Pay Your State Farm Bill
- Online: log in at statefarm.com Payment Center, or pay without logging in using phone number and date of birth.
- Phone: 24/7 phone line at 800-440-0998 · card or bank account.
- Mail: use the return envelope from your bill or mail to PO Box 680001, Dallas, TX 75368-0001.
- In-person: pay at your local State Farm agent's office.
- With Deferit: Pay with Deferit and split the bill into 4 installments, once every two weeks. Deferit pays State Farm in full immediately. Learn more →
Payment Methods & Addresses
Retrieved May 2026 · Source: statefarm.com/customer-care/insurance-bill-pay ·statefarm.com/customer-care/faqs/billing-and-payments .
Late Fees & Payment Policies
| Policy / Fee | Amount | Notes |
|---|---|---|
| Late payment fee | Applied to the account, amount set in your Billing and Payment Agreement | Charged if a payment is not received by the bill due date |
| Returned payment fee | Applied to the account, amount set in your Billing and Payment Agreement | Charged if your financial institution returns your payment |
Retrieved May 2026 · Source: statefarm.com/customer-care/faqs/billing-and-payments
Need to split your State Farm bill into installments?
State Farm does not publish a formal hardship or deferral program online. For eligible accounts, a Pay Half schedule or partial payment option may be available through the Payment Center, and your State Farm agent can help with payment questions. Details are in your Billing and Payment Agreement.
If the goal is to pay the bill in full now and split the cost into smaller repayments, Deferit can pay an eligible State Farm bill on your behalf and let you repay it in 4 smaller installments.
Retrieved May 2026 · Source: statefarm.com/customer-care/faqs/billing-and-payments .
| State Farm Pay Half / payment schedule |  Deferit | |
|---|---|---|
| How to access | Available on some accounts through the Payment Center. Half payment options are available on some full-term auto policies, and a Pay Half schedule is available on eligible State Farm Billing accounts. Eligibility varies by account. | Sign up, take a picture of your bill, and Deferit pays it on your behalf. Online or in app. |
| Maximum split | Pay Half splits the amount due for an eligible billing period into a reduced installment. This is a payment schedule for the current term, not a way to defer or postpone the bill. | 4 installments, once every two weeks, up to your Deferit balance |
| Eligibility & approval | Decided by State Farm at request time based on account status | Monthly Deferit membership, no lock-ins. Cancel anytime. |
| Fees & interest | State Farm applies a late payment fee if a payment is not received by the bill due date, and a returned payment fee if your financial institution returns a payment. Fee amounts are set out in your Billing and Payment Agreement. | Monthly Deferit membership plus a $0.99 processing fee per bill. No interest. No late fees on eligible Deferit memberships.* |
| If you miss a payment | A late payment fee is applied to the account. State Farm does not publish a public dollar amount, grace period, or cancellation timeline online, those terms are in your Billing and Payment Agreement and policy documents. | You can reschedule a repayment date in the app before it's due. Late fees may apply depending on your Deferit membership.* |
| Works for | State Farm bills only | State Farm and most other US household bills |
| Learn more → |
*No late fees feature included with Max and Ultra memberships. Installments on the Lite membership may incur late fees if overdue. See Membership terms for details.
Pay your State Farm bill with Deferit
Earn 2% cashback on every bill, redeemed off your next payment. No subscription fee.
Common Questions About State Farm
Does State Farm charge a late fee? ›
Yes. State Farm applies a late payment fee to a State Farm Billing account if a payment is not received by the bill due date. State Farm does not publish the fee amount publicly online, the amount is set out in your Billing and Payment Agreement. If you think a fee was assessed in error, contact your State Farm agent.
Retrieved May 2026 · Source: statefarm.com/customer-care/faqs/billing-and-payments
What happens if I miss a State Farm payment? ›
If a payment is not received by the due date, State Farm applies a late payment fee to the account. If your financial institution returns a payment, a returned payment fee is applied. State Farm does not publish a public grace period, cancellation timeline, or reinstatement terms online, those terms are in your Billing and Payment Agreement and policy documents. Contact your State Farm agent for details specific to your account.
Retrieved May 2026 · Source: statefarm.com/customer-care/faqs/billing-and-payments
How do I pay my State Farm bill online? ›
Pay through statefarm.com by logging in to the Payment Center, where you can choose your payment amount, date, and method. You can also pay without logging in using just your phone number and date of birth. State Farm accepts Electronic Funds Transfer from checking, money market, or savings accounts and Visa, Mastercard, American Express, and Discover cards, plus Apple Pay and Google Pay.
Retrieved May 2026 · Source: statefarm.com/customer-care/insurance-bill-pay ·statefarm.com/customer-care/faqs/billing-and-payments
Can I split my State Farm bill into 4 installments? ›
State Farm does not offer a 4-installment split. Eligible accounts can use a Pay Half schedule or a partial payment option through the Payment Center, which splits the amount due for the current billing period. For an actual 4-installment split, Deferit can pay your State Farm bill in full now and let you repay across 4 bi-weekly installments. Eligibility check before you commit.
Retrieved May 2026 · Source: statefarm.com/customer-care/faqs/billing-and-payments
What payment methods does State Farm accept? ›
State Farm accepts Electronic Funds Transfer (EFT) from checking, money market, or savings accounts, and Visa, Mastercard, American Express, and Discover credit and debit cards. Apple Pay and Google Pay are also supported. You can pay online, by phone at 800-440-0998, by text once enabled, by mail, or in person at your State Farm agent's office.
Retrieved May 2026 · Source: statefarm.com/customer-care/faqs/billing-and-payments ·statefarm.com/customer-care/insurance-bill-pay
How do I contact State Farm about billing and payments? ›
For payments, call the 24/7 phone line at 800-440-0998. For general questions or help accessing your account online, call 800-STATE-FARM (800-782-8332). You can also contact your local State Farm agent for help with bills, payments, and fees. The corporate headquarters is in Bloomington, IL.
Retrieved May 2026 · Source: statefarm.com/customer-care/contact-us
Where do I mail a State Farm bill payment? ›
Pay by check or money order using the return envelope included with your bill, or mail to State Farm Insurance, PO Box 680001, Dallas, TX 75368-0001. You can also pay in person at your State Farm agent's office by cash, check, card, or money order payable to State Farm.
Retrieved May 2026 · Source: statefarm.com/customer-care/insurance-bill-pay
Customer Service Tips for State Farm Customers
Have these ready before you pay or call. Your policy number or billing account number, the phone number and date of birth on the account, and your payment method. To pay online without logging in you only need your phone number and date of birth. The 24/7 pay line is 800-440-0998.
Know the difference between your policy number and billing account number. Your policy number identifies a specific policy such as auto or homeowners. Your billing account number identifies the account where billing and payment activity is processed. As policies move to the new State Farm Billing system, you may receive a new billing account number and, in some cases, two separate bills to pay individually.
How to lower or manage your bill. Ask your State Farm agent about discounts and bundling auto and home policies. Eligible accounts can use a Pay Half schedule to split the term premium into smaller installments through the Payment Center. If the challenge is timing cash flow rather than reducing recurring costs, Deferit's Pay-in-4 option can split your bill in 4 installments, subject to eligibility.
Retrieved May 2026 · Sources: statefarm.com/customer-care/insurance-bill-pay ·statefarm.com/customer-care/faqs/billing-and-payments .
Updated: May 2026