Does Farmers Have Good Car Insurance Discounts?

Farmers offers a TON of good car insurance discounts, which helps offset their expensive premiums—learn more here!
Written by Drew Waterstreet
Reviewed by Amy Bobinger
Farmers Insurance has nearly two dozen different car insurance discounts related to safe driving, vehicle characteristics, and policyholder profile.
You’ll find more opportunities to save with Farmers than you may with other
car insurance
companies. But it comes out of necessity. They do have relatively expensive premiums, but their lengthy list of discounts allows for well-qualified customers to still get a
cheap car insurance quote
So to get us warmed up and ready to save, let’s do a remix of the Farmers jingle: Here-are-discounts! Bum ba-dum bum bum bum bum!

What auto insurance discounts does Farmers offer?

You can categorize Farmers’
auto insurance discounts
into three primary groups:
safe driving discounts
, vehicle discounts, and policy discounts. Let’s take a look at them one by one!

Farmers safe driver discounts

Car insurance companies make more money when they don’t have to file accident claims. That’s why many providers, Farmers included, offer discounts to incentivize safe driving. Here’s how you can qualify:
  • Signal App: This telematics program tracks your daily driving habits in real-time. You’ll get an initial discount upon applying for the program, and then additional savings if you prove that you’re a safe driver.
  • Safe Driver: Farmers policyholders with zero BI (
    bodily injury
    ) points against their driving record can qualify for a discount.
  • Distant Student: Students typically fall into the high-risk age demographic of 16 to 25 years old. That means you’ll qualify for a discount if your child, the student,
    goes to school at least 100 miles away
    and doesn’t have regular access to covered cars.
  • Mature Driver / Defensive Driver / Senior Driver: While your accident risk profile decreases from 25 to 55 years old, it then begins to increase again due to cognitive decline and worsened reaction time. Luckily, you can take a
    state-approved safe driver training
    every three years after 55 to prove you’re still sharp as a tack! (The name of this discount varies by state, and not all states have this discount. The age limits may also vary by state.)
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Farmers vehicle discounts

Insurance companies use your vehicle’s make, model, and age to help set your insurance premiums. Unfortunately, you can’t change those things—but you can add safety features and security products to help reduce your chances of filing a claim. In exchange, Farmers is willing to offer you one of the following discounts:
  • Alternative Fuel: Drivers who own a vehicle that isn't powered by gasoline will be rewarded with a discount. Qualifying alternative energy sources include hybrid, electric, natural gas, propane, and more. Thank you for doing your part! (CA only)
  • Antilock Brakes: Having
    anti-lock brakes (ABS)
    reduces your chances of filing a
    collision claim
    . This gives Farmers Insurance peace of mind, so they are willing to offer you a discount. (must be factory installed—not aftermarket, not offered in all states)
  • Anti-Theft: Having
    alarms and protective devices
    reduces your chances of filing a
    comprehensive claim
    for theft. Again, this gives Farmers Insurance peace of mind (not offered in all states)
  • Daytime Running Lights: These are basically headlights that stay on all the time. They are a safety feature and reduce your likelihood of getting in an accident. Farmers likes to reward discounts to vehicles that prioritize accident prevention. (not offered in all states)
  • Passive Restraint: This means your vehicle has airbags or automatic seatbelts. These features are intended to mitigate injury risk in an accident. Farmers likes to reward discounts to vehicles that prioritize safety. (not offered in all states)
  • Homing Device: Tracking system to locate your car if it’s stolen. Farmers Insurance loses money if they have to replace your whole vehicle, so they offer discounts to vehicles that will be easier to find. (system must be Farmers-approved)
  • VIN Etching: This makes your vehicle and any frequently-stolen parts (
    like a catalytic converter
    ) identifiable when stolen. Etched vehicles get a discount for the same reason vehicles with homing devices do. (not offered in all states)

Farmers policy discounts

Finally, let’s take a look at the specific customer profiles and policy customizations that could make you eligible for a discount:
  • Multiline: Lower your total insurance costs by bundling your auto insurance policy with more Farmers insurance products, such as home, life, umbrella, small business, and specialty. 
  • Multicar: If you trust Farmers to protect more than one of your vehicles, they’ll give you a customer loyalty discount.
  • Good Student: Now, what are “good” grades? For Famers student-policyholders, that means a 3.0 or better GPA, Dean’s List, Honor Roll, top 20% of the class, or top 20% on standardized testing.
  • ePolicy: By paying your bills online or using the Farmers mobile app, you can qualify for a paperless discount!
  • Affinity: Farmers rewards military members and other public service occupations with car insurance discounts.
  • Good Payer: If you pay all your bills on time for 12 months straight, Farmers will consider giving you a discount upon renewal. (not available in CA)
  • Shared Family Car: This is a total discount on the entire insurance policy when there are more active drivers than vehicles in the household (not available in CA)
  • On Your Own: Drivers under the age of 29 falling off of their parent's Farmers car insurance policy can qualify for a discount if they end up getting their own coverage through Farmers—call it generational savings! (must be within 12 months)
  • Homeowner: Homeowners are more likely to have a safe and secure location to park their vehicles, mitigating the possibility of a comprehensive claim for theft or inclement weather. 
  • EFT: Having automatic payments (electronic funds transfer) set up on will earn you a discount.
  • Pay In Full: Farmers prefers money in hand more than promises of payment every month. So you can qualify for a discount if you pay for your coverage annually or bi-annually.

Does Farmers have good car insurance discounts?

Based on our
car insurance quote research
, we’ve found that Farmers does have more expensive insurance premiums than some of their main competitors, like
. However, you can use one or more of Farmers’ nearly two dozen discounts to offset these costs!
Not only does Farmers have more discounts than many other insurance providers, but they also have excellent customer service ratings. This means your Farmers insurance agent will help you cash in on all qualifying discounts, ensuring you pay the lowest price possible.
“Since I’m under 25, I thought paying a lot for insurance was normal.
made it easy to find affordable insurance. It was even easy to switch insurance agencies. I went to bed and woke up with new insurance.” —Steven C.
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Yes, Farmers offers a discounted rate on car insurance for all military members that are active duty, active reserves, retired, or honorably discharged military veterans. Contact an agent at 1 (888) 327-6335 to apply.
Farmers policyholders over the age of 55 (or 65 in some states) can begin earning a discount if they complete a state-approved driver’s education course every three years.
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