Car Insurance Discounts

We all want to save money on car insurance. But will cheap car insurance have the coverage you want? When you’re shopping for a car insurance quote, how can you be sure you’re choosing the right coverage at the right price? Farmers offers more than 20 discount options, and, yes, combining multiple discounts is OK. Ask about discounts you may be eligible for to rack up savings without cutting coverage.**

Loyal customer discounts

Bundle and save

You can save 10% or more by bundling home and auto policies. Insure multiple cars on your policy for more potential savings. (Don’t forget to check out more home insurance discounts from Farmers.)
Learn more about bundling auto and home

Loyalty

Applies to policies that renew with no more than one at-fault, chargeable accident in the 12 months before the renewal date.

ePolicy

Save money (and trees!) by enrolling in ePolicy and accepting the Go Paperless terms and conditions.

Good Payer

For customers with no late billing fees in the 12 months before their renewal processing date with Farmers. This discount applies when your policy starts and is reevaluated at renewal.

Youthful Driver

For drivers under age 25 who are living in the household and are the child or grandchild of a person who holds a Farmers auto policy that’s been in force for at least 12 months.
Learn more about car insurance for teens

On your own

For drivers under age 29 who were an active driver on a Farmers Insurance Group^® policy in their prior household for at least 12 months and have moved to a new household.

Driver discounts

Save with the Signal^® app

Earn an initial discount just for enrolling in the Signal program. Additional safe-driving discounts may be available when your policy renews.
Learn more about saving with Signal

Affinity

For a primary named insured or spouse who is a member, employee or retiree of certain businesses, occupational groups or professional associations, as well as members of the military who are active duty, active reserves, retired or honorably discharged.

Auto Pay/EFT

For policyholders who set up automatic monthly payments.

Safe driver

Applies to any rated driver with a valid license who has zero chargeable accidents or chargeable citations for the past three years.

Good student

For full-time students younger than 25 with a 3.0 or better GPA, or are on the dean’s list or honor roll, or are in the top 20% of their class, or home-schooled students in the top 20% on standardized testing.

Distant student

For students under age 23 who are rated drivers but attend school at least 100 miles away from home without a vehicle.

Five-year accident free

For households where no ratable driver has any at-fault chargeable accident in the past 60 months at the start or renewal date of the policy.

Shared family car

Applies to vehicles on the policy when there is a single driver age 20 or younger in the household and there are more active drivers than vehicles in the household. 

Mature driver/defensive driver/senior driver

For drivers over age 55 who have completed state-approved safe driver training in the last three years. 

Homeowner

For policyholders who own a residence, regardless of who insures it.
Learn more about Farmers home insurance discounts

Pay in full

For paying your premium in full at the start of the policy’s term.

Car insurance discounts by state

Additional discounts and savings may be available where you live.
Learn more about discounts available in your state

Vehicle equipment discounts

Anti-theft

Cars with qualifying protective devices such as vehicle tracking.

More ways to save

When you’re shopping for car insurance, you may notice a big difference in quotes between insurers. Premiums can vary by hundreds of dollars, based on the amount and type of coverage you choose. But the lowest price isn’t always the best option. If you’re searching for affordable car insurance, these tips from the Insurance Information Institute can help you find the coverage you want at a price that’s right for you. 

• Shop around. Get at least three quotes for the same amount and type of coverage from different insurers.

• Consider whether raising your deductible makes sense for you. Increasing your deductible can help you lower your premium. (If you go this route, consider setting aside money to pay the higher deductible in case you have a claim.)

• Ask about group insurance (e.g., Farmers GroupSelect).

• Maintain a good credit history and check your credit record to ensure the information is accurate. Some states allow insurers to use credit information to price auto insurance policies.