Farmers
Farmers Car Insurance Discounts 2026: Signal, Bundle
Short answer
Farmers publishes an auto discount menu with Signal (telematics app with sign-up and measured-driving discounts)4, bundle (up to 10% for home + auto, up to 20% for renters + auto, average $1,232 annual bundle savings)2, Safe Driver, Good Student, Multiple Vehicles, Multiple Policies, EFT, and Paid in Full1. Discount availability varies by state3.
What determines your actual savings
- Signal enrollment and measured driving. Sign-up discount plus performance-based savings4.
- Policy mix. Bundle requires another Farmers policy (home, renters, or specialty)2.
- Household drivers. Multi-vehicle, good student, and safe-driver discounts depend on who’s on the policy1.
- Payment method. EFT and Paid in Full discounts reward specific payment paths1.
- State. Discount availability and exact percentages vary by state DOI filings3.
The full Farmers discount menu
Farmers publishes the following discounts on its own pages. Percentages are what Farmers lists publicly; your quote may differ by state and policy.
| Discount | Max published | What it is |
|---|---|---|
| Signal (telematics) | enrollment + measured driving | Farmers' safe-driving smartphone app. Initial sign-up discount plus additional savings based on driving behavior.4 |
| Bundle (home + auto) | up to 10% | Combine home and auto insurance with Farmers. Average bundle customer saves $1,232 per year.2 |
| Bundle (renters + auto) | up to 20% | Combine renters and auto insurance with Farmers.2 |
| Multiple Vehicles | applies | Insure more than one vehicle on your Farmers auto policy.1 |
| Multiple Policies | applies | Combine Farmers auto with another Farmers policy (home, life, umbrella, specialty).1 |
| Safe Driver | applies | For drivers who maintain a safe driving record (no at-fault accidents or major violations).1 |
| Good Student | applies | For eligible full-time students who maintain qualifying grades.1 |
| EFT (Electronic Funds Transfer) | applies | Enroll in automatic bank payment for a premium discount.1 |
| Paid in Full | applies | Pay the full policy term premium upfront rather than monthly.1 |
Signal: the telematics discount
Farmers Signal is a smartphone-based safe-driving program. Farmers publishes that Signal rewards you with an initial discount just for signing up, plus additional savings based on your driving behavior4. The specific percentages are state-filed and shown at quote time; Farmers does not publish a universal rate on the public page.
Signal is one of the carriers’ telematics programs that can both reward and raise rates based on driving. For a shopper, the decision is whether Signal’s renewal mechanics fit your driving pattern. Our telematics finder surfaces carrier-by-carrier comparisons for your state and driver profile.
Bundle: home or renters + auto
Farmers publishes bundle savings2:
- Home + auto: up to 10% off both policies.
- Renters + auto: up to 20% off renters when combined with auto.
- Average bundle savings: $1,232 per year for customers who switch and bundle home and auto with Farmers.
For a shopper, the bundle math is: pull a Farmers auto quote standalone and with home or renters attached, and compare the delta against a standalone home or renters quote at another carrier. If the total two-carrier bill is lower than the bundled Farmers bill, bundling isn’t the right lever regardless of the discount percentage.
Other common discounts
Farmers publishes the following across its common-discount list1:
- Safe Driver for drivers with a clean record.
- Good Student for eligible full-time students.
- Multiple Vehicles for households with more than one car on the Farmers policy.
- Multiple Policies for stacking Farmers auto with another Farmers policy (home, life, umbrella, specialty).
- EFT (Electronic Funds Transfer) for enrolling in automatic bank payment.
- Paid in Full for paying the full policy term premium upfront.
State availability varies: Farmers publishes that specific discounts available in your state should be confirmed with your Farmers agent3.
How to stack Farmers discounts
Enroll in Signal at quote time
The sign-up discount applies immediately; the renewal discount depends on measured driving. See our Farmers review for Signal mechanics.
Bundle home or renters at purchase
Up to 10% home + auto or up to 20% renters + auto. Price both standalone and bundled.
Add every eligible driver and vehicle
Multi-vehicle and good-student discounts apply when you add qualifying household drivers.
Enroll in EFT and consider paying in full
EFT discount applies on autopay; Paid in Full applies when you prepay the term.
Confirm state-specific availability
Farmers publishes that specific discounts vary by state. Confirm your eligible list with the Farmers agent in your area.
Review at each renewal
Discount eligibility can change as your household, vehicles, and driving record change.
Comparing Farmers against other mainstream carriers? Pull quotes side by side.
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Common follow-up questions
How much can Signal save me on Farmers car insurance?
Farmers publishes an initial sign-up discount for Signal plus additional savings based on your measured driving behavior. The specific percentage is state-filed and shown at quote time.
How much does bundling home and auto save with Farmers?
Farmers publishes up to 10% savings when you bundle home and auto, or up to 20% when you bundle renters and auto. Customers who bundle home and auto save an average of $1,232 per year.
Does Farmers offer a good student discount?
Yes. Farmers publishes a Good Student Discount among the common auto discounts. The specific grade threshold and savings depend on your state.
Are Farmers discounts available in every state?
No. Farmers publishes that specific discounts vary by state and recommends asking your Farmers agent about the discounts available in your state.
What is the difference between Signal and the Safe Driver discount?
Signal is Farmers' telematics program measured through its smartphone app. The Safe Driver discount is a separate premium reduction based on your historical driving record. The two measure different things and can coexist on the same policy.
Sources
- Farmers: How to Lower Car Insurance Premiums (common discount list: Safe Driver, Good Student, Multiple Vehicles, Multiple Policies, EFT, Paid in Full) (Farmers Insurance)
- Farmers: Home and Auto Insurance Bundle (save up to 10% bundling home and auto; up to 20% bundling renters and auto; customers save an average of $1,232/year) (Farmers Insurance)
- Farmers: Car Insurance FAQs (discount availability varies by state; ask your Farmers agent) (Farmers Insurance)
- Farmers Signal: safe-driving app (initial sign-up discount; additional savings based on driving behavior) (Farmers Insurance)
Farmers discount availability and exact percentages are set by state DOI filings and change at renewal. Confirm current eligibility and pricing with Farmers at quote time. Last reviewed .