State Farm Dividend Checks Are Worth $100 on Average, But Three Groups Get Nothing

State Farm Mutual Automobile Insurance Company has begun distributing a one-time $5 billion cash dividend to qualifying auto insurance customers, following its announcement earlier this year that it would issue its largest dividend in more than 100 years. 

The average payment works out to about $100 per vehicle, though what actually lands in your account depends on your state and what you paid last year.

How much is the State Farm dividend?

“Each eligible customer’s payment is calculated as a percentage of the premium paid on qualifying auto policies in 2025,” the company said in a statement adding that the percentage will vary by state, ranging from 4% to 10%. This means that the amount customers receive will differ depending on how much they paid in premiums. 

So a driver paying $1,200 a year in a 4% state gets roughly $48, while the same premium in a 10% state returns $120. State Farm has not published a state-by-state breakdown of the percentages, so the only way to know your figure is to wait for the notification.

Who won't get a payment?

Three groups are excluded. New Jersey customers get nothing, because State Farm's auto policies there are written by two separate affiliates, State Farm Indemnity Company and State Farm Guaranty Insurance Company, rather than State Farm Mutual.