Discounts Offered By Farmers Car Insurance

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Joel Ohman
Founder, CFP®

UPDATED: Mar 3, 2020

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Here's what you need to know...

  • Farmers car Insurance offers discounts to individuals who work in certain professions
  • They offer discounts for combining policies
  • You may be eligible for a discount for becoming a new parent
  • Safety features on your vehicle may qualify you for a premium discount

Farmers Insurance offers several different car insurance discounts for policyholders. These discounts help reduce the overall cost of the insurance premiums.

Are you looking to save money on car insurance? Enter your ZIP code above in our search tool to find car insurance rates in your area!

Many discount products are available to all customers, and there are additional discounts depending on your state.

Farmers Car Insurance Discounts for Retirees

The Farmers Insurance Group recommends that customers contact their agent directly about discounts, as there may be some that the policyholder qualifies for that they may not know about.

This review will focus on the discounts that individuals can currently receive from the Farmers Insurance Group.

Individuals who work in certain professions are automatically given a discount on their car insurance premium.

These professionals include actively working or recently retired teachers, policemen and women, physicians, nurses, dentists, and firefighters, as well as others.

Anyone who has worked during their lifetime and is retired can also receive a discount on their car insurance premium.

Multi-Policy, New Parent, and Safety Feature Discounts


The Farmers Insurance Group also offers other discounts. Here are a few ways to be eligible for a discount:

  • Combine homeowners and auto – Farmers offers other types of insurance to its customers, including homeowners insurance. Individuals who combine their auto insurance and homeowners insurance policies with Farmers are eligible for a multi-policy discount.
  • Combine vehicles – There is also a multi-vehicle discount for customers who have more than one vehicle including, but not limited to, a motorcycle, RV, camper, ATV.
  • Become parents – Farmers also offers a discount to new parents to help in their transition. The discount is available to the policyholders after their child has been born, and is effective immediately.
  • Get safety features – There are insurance discounts available depending on the safety features that are included with the cars that are insured. For example:

Farmers Car Insurance Discounts for Families with Teenage Drivers

There are a couple of ways that teenagers can help their parents earn care insurance premium discounts.

Young drivers are eligible for a discount on their parents’ policy by maintaining good grades.

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The good student discount applies to any licensed student (the age depends on the state) who maintains a “B” or higher (or the numerical equivalent of a “B” or higher, depending on the school) grade point average and a clean driving record with no tickets or accidents.

In addition to the good student discount, Farmers also offers a safety education program for all teen drivers, no matter what their grade point average is.

The Farmers Insurance Group created a program known as “YES”, an acronym for “You’re Essential to Safety,” which is an education program offered to all teenagers who have parents that are insured through Farmers.

The YES program is facilitated by a Farmers insurance agent and helps teach teen drivers about the importance of safety, their role as a driver, and how to be prepared for the dangers of driving.

The ultimate goal is for the teen to learn what it takes to make good decisions while driving, and to steer away from poor decisions.

Other Ways to Earn Car Insurance Premiums Discounts with Farmers Insurance


Depending on the state where you live, there are even more discounts available. Some of these discounts include:

  • Alternative fuel – Premium reductions for vehicles that utilize alternative fuel, or for hybrid cars and trucks.
  • Affinity – Farmers Insurance Group also has several affinity programs in place where employees of certain organizations or graduates of certain colleges and universities can earn an additional discount on top of any other discount for which they have qualified.
  • Full payment – Policyholders who pay their car insurance premium in full are also entitled to a discount, although those savings are attributed to not paying installment fees.
  • Automatic payment – In addition, setting up automatic payments through an electronic funds transfer from a valid checking or savings account can also save money off the total premium cost.
  • New car – New cars also qualify for a discount
  • Defensive Driver – Any individual who takes a state-recognized and approved defensive driver course can qualify for at least an additional 10% discount on their premium.
  • Safe driver – Finally, individuals who maintain a clean driving record with no major moving violations and no at-fault or no-fault accidents over a three-year period automatically receive an additional discount.

As the discounts available depend on the driver and the situation, it is best to always compare car insurance rates with different companies and speak to a live agent if you have specific questions. Start by finding car insurance quotes here! Just type in your ZIP code!

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