Best Farmers Auto Insurance Discounts in 2025 (Save 30% Today!)

Drivers who take advantage of the best Farmers auto insurance discounts can save up to 30% on their auto insurance premium.

Farmers has various ways for customers to save on their Farmers auto insurance policies, from good student to safe driver discounts.

Drivers who take advantage of several auto insurance discounts at the company can get many Farmers insurance policy perks.

Our Top 10 Picks: Best Farmers Auto Insurance Discounts

Read on to learn about the best Farmers insurance discounts or read our Farmers review to learn more about the company. You can also get an insurance quote to determine if a potential insurer offers discounts and affordable car insurance for your budget. Compare rates now with our free tool. 

How to Get the Best Farmers Auto Insurance Discounts

Knowing how to get as many discounts as possible will make Farmers more affordable. Farmers’ rates can be pricy, especially for young drivers, as you can see from the average rates below.

However, applying for discounts can lower your rates substantially. See how much Farmer’s discounts will save you on a minimum in the table below.

Best Farmers Auto Insurance Discounts: Min. Coverage Monthly Rates Before & After Discount

Ready to learn how to get these cost-saving discounts at Farmers and lower your auto insurance rates? We cover the top ten auto insurance discounts at Farmers, and the instructions for how to apply are below.

Farmers Signal Discount

Farmers Signal is an app that rewards drivers with a discount for safe driving by tracking their driving behaviors. It’s crucial to understand that although the Farmers Signal app serves as a discount initiative for responsible drivers, Farmers reserves the right to increase a driver’s insurance premiums if their performance on the app falls short.

To qualify for the safe driver discounts, you must also have no bodily injury points on your insurance, which are injuries caused to others in a crash you caused.

Learn More: Farmers Signal Review

Hence, familiarizing oneself with Signal before engaging in the discount program is essential, especially for individuals considering Farmers insurance member discounts or seeking information on Farmers car insurance discounts, including the Farmers Insurance affinity discount.

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.

To explore eligibility for the senior discount at Farmers, you’ll need to connect with a representative to ascertain the approved courses for the discount. Following that, you’ll need to provide evidence of course completion. This process is similar to how Farmers handles inquiries regarding their military discount, low mileage discount, and multi-policy discount.

Farmers Multi-Policy Discount

Bundling other policies with your auto insurance — like home insurance — will earn you a Farmers insurance bundle discount. The multi-policy discount is a significant advantage for customers who choose Farmers for more than just Farmers vehicle insurance.

By bundling policies, customers can enjoy considerable savings. This benefit reflects Farmers’ appreciation for customer loyalty and the convenience of managing multiple policies under one roof.

Farmers Good Student Discount

Farmers appreciates the dedication of students and acknowledges academic accomplishments with the Farmers student discount. Qualified high school and college students can enjoy this discount by upholding a commendable academic performance, typically achieving a B average or equivalent.

This initiative is a testament to Farmers’ dedication to promoting both academic excellence and conscientious driving behaviors among young drivers. This commitment underscores the company’s distinct approach when comparing Farmers vs. Safe Auto and underscores the range of Farmers’ auto discounts available.

To qualify for good student auto insurance discounts 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.

Students who live 100+ miles away from home and don’t use policy-covered family cars often could also be eligible for the distant student discount. It supports families with students attending school far from home, offering relief from standard rates given the reduced risk.

Farmers Multi-Car Discount

You qualify for a multi-car discount if you have more than one car on your insurance policy (Read More: Which car insurance companies have the biggest multi-car discounts?). 

Farmers Homeowner Discount

Homeowners can earn a small discount at Farmers for being a homeowner. Owning a home affects auto insurance rates for the better, as homeowners are seen as more financially stable. 

Farmers Affinity Discount

Farmers will give discounts to qualifying employees, members, or retirees of certain groups or businesses. Farmers also extends its gratitude to military personnel and first responders through a dedicated Farmers military discount.

The military discount and first responder discount are Farmers’ ways of thanking members of the armed forces and first responders for their service to the country and communities, offering them more affordable insurance options.

The affinity discount is available to members of certain professional groups and associations, emphasizing Farmers’ commitment to serving communities and professions.

Farmers E-Pay Discount

You can earn a small discount if you set up fully automatic monthly payments. Farmers will also give you a small discount for going entirely paperless.

This strategy is particularly advantageous when considering Farmers Insurance discounts like the first responder discount and the good student discount, as well as the student discount offered by Farmers Insurance.

Farmers Fuel Discount

This discount is only available in California, but you can earn Farmers auto discounts if you have an alternative fuel vehicle.

Farmers Pay-In-Full Discount

Depending on your policy details, you may save a few dollars here and there with discounts for paying in full. You can earn a small discount if you pay your entire auto insurance premium in full at the beginning of the term. You can also earn a small discount if you have no late fees within the last 12 months.

Farmers New Vehicle Discount

New vehicle owners can get a small discount for their new vehicle. This is because new vehicles are more likely to have the following safety features:

• Anti-Lock Brakes: Factory-installed anti-lock brakes.
• Anti-Theft Devices: Alarms and other protective devices.
• Daytime Running Lights: Improves visibility. 
• Homing Devices: Makes it easier to recover stolen cars.
• Passive Restraint: Automatic seat belts and air bags.

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.

Other Farmers Auto Insurance Discounts

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. For those committed to driving safely, Farmers offers several discounts that acknowledge your efforts.

The Safe Driver Discount is available to drivers with a clean driving record, free from accidents and traffic violations over a specific period. Additionally, completing a Defensive Driving Course approved by Farmers can further reduce your premium, showcasing the insurer’s focus on road safety and continuous driver education.

Take a look at other Farmers’ discounts below.

• Senior Driver: Drivers must be over 55 and complete a safe driving course to get a Farmers defensive driving discount.
• 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. 
• Shared Family Car: You can get a shared family car discount when there are more active drivers than vehicles on a Farmers policy.
• Low Mileage: Farmers recognizes that less frequent drivers present a lower risk. The best low-mileage auto insurance discounts are tailored for those who drive fewer miles than the average, perhaps due to working from home or living close to their workplaces.

Safe driving also goes a long way for young drivers who want reasonable rates through Farmers. Farmers Insurance provides a wide array of discounts tailored to diverse drivers and households. Familiarizing yourself with these discounts can notably reduce your insurance costs while ensuring you maintain the necessary coverage.

This includes discounts like the Farmers Insurance safe driver discount and the Farmers Insurance 50% discount. The Farmers YES Program (You’re Essential to Safety) rewards drivers for participating in programs designed to monitor and improve driving habits through technology.

Comparing Farmers to the Competition

When evaluating companies like Farmers vs. Safe Auto, it’s essential to consider not only the range of discounts each offers but also the specific needs of your household, your driving habits, and what you value most in an insurance provider. Both companies provide competitive discounts, but the right choice depends on which discounts apply to you and the overall value you’re getting from your policy.

Learn More: How to Choose an Auto Insurance Company 

See how Farmers compares to other top auto insurance providers below.

Taking the time to compare auto insurance companies will help you pick the best auto insurance company for your individual needs.

How To Find Out Which Discounts You Qualify For

Finding out which discounts you qualify for with Farmers Insurance is a straightforward process designed to ensure you’re taking full advantage of the Farmers savings available to you. Here’s how to get started:

1. Contact a Farmers Agent: The most direct way to discover which discounts you are eligible for is to speak with a Farmers insurance agent. Agents are well-versed in the ins and outs of discount qualifications and can provide personalized information based on your specific circumstances, including your driving record, the features of your vehicle, and your policy choices.
2. Review Your Policy Online: If you already have a policy with Farmers, you can log in to your account on the Farmers website. Often, there are details about your current discounts and potentially other available discounts for which you might qualify based on your policy information.
3. Explore Farmers’ Website: Farmers Insurance provides comprehensive details about discounts on their website. This resource can be incredibly useful for identifying discounts that may apply to you, such as the good student discount, multi-policy discount, or safe driver discount.
4. Stay Updated: Insurance discounts and qualifications can change. It’s a good idea to regularly review your policy and touch base with your agent to ensure you’re not missing out on any new discounts that have become available.
5. Provide Complete Information: When applying for insurance or updating your policy, giving complete and accurate information about your driving history, vehicle safety features, and any other factors can help ensure you’re receiving all the discounts for which you qualify.

To make the most of the Farmers policy perks and savings offered by Farmers, it’s wise to periodically assess your policy, stay in touch with your agent, and ask about any fresh discounts or initiatives that might be applicable.

Read More: How to Find Auto Insurance Agents in Your Area 

Maintaining a spotless driving history, promptly informing your insurer about any notable shifts in your driving behaviors, and consolidating your policies can all lead to significant cost reductions over time, particularly when considering Farmers Insurance military discounts, Farmer auto insurance, participation in Farmers Insurance defensive driving courses, and bundling insurance with Farmers.

Deciding if Farmers Insurance is Right for You

What discounts does Farmers Insurance offer? Farmers Insurance provides a range of Farmers car insurance discounts tailored to customers, with availability differing by state.

If you’ve utilized the best Farmers auto insurance discounts and still feel that your insurance premium is too costly, one effective method to discover a more budget-friendly insurance policy is by comparing quotes (Read More: How to Compare Auto Insurance Quotes).

Ready to shop for affordable auto insurance? Utilize our complimentary quote comparison tool to explore the most competitive auto insurance rates in your region.