Farmers Auto Insurance Discounts (2024)

Farmers’ auto insurance policies offer various ways to save, from good student to safe driver discounts. Drivers who take advantage of several car insurance discounts can get many Farmers insurance policy perks.

You can get an insurance quote to determine if a potential insurer offers discounts and affordable car insurance for your budget.

Farmers Insurance Discounts for a Driver’s Behavior and Profile

Farmers has numerous discounts for drivers based on their driving habits and profiles. For example, drivers with a clean record or military service can earn a Farmers insurance discount. Take a look at the full list below.

• Affinity. Farmers will give discounts to qualifying employees, members, or retirees of certain groups or businesses.
• Homeowner. Homeowners can earn a small discount at Farmers.
• Military. Discount for active, retired, or honorably discharged veterans.
• Safe driver. To qualify for the safe driver discounts, you must have no bodily injury points on your insurance, which are injuries caused to others in a crash you caused.
• Senior driver. Drivers must be over 55 and complete a safe driving course.
• Signal. Farmers Signal is an app that rewards drivers with a discount for safe driving by tracking their driving behaviors.

It’s important to note that while Signal is a discount program for safe drivers, Farmers may raise a driver’s insurance rates if they perform poorly on the app. Therefore, reading about Signal before participating in the discount program is important.

Unlike other companies, Farmers doesn’t have a safe driving course for senior drivers. For example, AAA offers its own AAA mature driver course, making it simple for drivers to participate. This is something to consider when comparing Farmers vs. AAA.

At Farmers, you’ll have to contact a representative to find out which courses your insurer accepts for the senior discount and then send proof of completion.

Young Driver Discounts with Farmers

Farmers has some discounts for younger drivers on their parents’ insurance policies. We’ve outlined all the discounts for young drivers below.

• Distant student. Students who live 100+ miles away from home and don’t use policy-covered family cars often could be eligible for the distant student discount.
• Good student. To qualify for a good student discount at Farmers, students must have a GPA of at least 3.0, be on the Dean’s List, Honor Roll, or be in the top 20% of their class or standardized testing.
• On-your-own. Young drivers under 29 who move into a new household may qualify for this discount.
• Youthful driver. Drivers under 25 qualify for the youthful driver discount. 

Safe driving also goes a long way for young drivers who want reasonable rates through Farmers.

Farmers Driver Policy Discounts 

Depending on your policy details, you may save a few dollars here and there with discounts for paying in full or going paperless.

• Electronic funds transfer. You can earn a small discount if you set up fully automatic monthly payments.
• ePolicy. Farmers will give you a small discount for going entirely paperless.
• Good payer. You can earn a small discount if you have no late fees within the last 12 months.
• Multi-car. You qualify for a multi-car discount if you have more than one car on your insurance policy.
• Multiple lines. Bundling other policies with your auto insurance — like home insurance — will earn you a bundling discount.
• Pay in full. You can earn a small discount if you pay your entire auto insurance premium in full at the beginning of the term.

While most discounts are small, it’s worth taking advantage of tiny discounts, like paperless or good payer, since they add up.

Vehicle Discounts with Farmers

Farmers offers numerous discounts for safety features and more on your vehicle. Take a look at them below.

• Alternative fuel. This discount is only available in California, but you can earn a discount if you have an alternative fuel vehicle.
• Anti-lock brakes. Farmers will provide a factory-installed anti-lock brakes auto insurance discount.
• Anti-theft. Farmers offers a discount if your car has alarms and other protective devices.
• Daytime running lights. You can earn a small discount if you have daytime running lights.
• Homing device. You can only get a discount if Farmers approves the homing system.
• Passive restraint. You may get a discount if you have automatic seat belts and air bags.
• Shared family car. You can get a shared family car discount when there are more active drivers than vehicles on a Farmers policy.

Discounts for protective vehicle features aren’t available in all states. If you’re still on the fence about Farmers, read our review of the best auto insurance companies to learn more about how Farmers compares to other car insurance companies.

Read More: How to Get an Anti-Theft Auto Insurance Discount

The Final Word on Farmers Insurance Discounts 

Farmers offers various discounts for customers, though discount availability varies by state.

If you’ve taken advantage of Farmers discounts and still find your insurance premium too expensive, comparing quotes is one of the best ways to find an affordable insurance policy. Use our free quote comparison tool to find your area’s best auto insurance rates.