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Arizona Insurance

Learn all about the smart
coverage and smarter discounts
Farmers offers in Arizona.

See a full list of Arizona Discounts:

Auto and Home Insurance Discounts in Arizona

Auto Insurance Discounts

Learn more about how Farmers Auto Insurance discounts save Arizonans money.

  • Discounts for the Family:

    • Bundle Discounts - Buying multiple Farmers policies is a great way to organize your coverages and save money. Combine your Farmers Auto insurance with any of the following policies and we’ll discount your rate:

                - Home

                - Mobile Home-Specialty Dwelling

                - Farmers Specialty (motorcycle, family boat, motor home, travel trailer, rec vehicle, etc.)

                - Renters

                - Life

    • Business and Professional Group - Members of approved businesses or professional groups in Arizona may be eligible for a rate discount. Contact us and we’ll see if you qualify!
    • Distant Student - Get an additional premium discount if your child goes to school at least 100 miles away from your home, and doesn’t have regular access to your covered car.
    • Multi-Car - Lower your premiums with a discount for covering more than one vehicle under the same Farmers Auto policy.
    • Retirement Community - Policyholders 55 years or older, with a legal residence in a retirement community are eligible for this insurance rate discount.
    • Youthful Driver - Policyholders with young drivers in the house, 25 years old and younger, may be eligible for this discount.
  • Planning Ahead Discounts:

    • Alternative Fuel - Driving an alternative fuel car is a great investment. It’s better for the environment, easier on your gas budget, and it also saves you money on Auto insurance. Vehicles that use electric / gasoline hybrid, electric only, ethanol, methanol, compressed natural gas, or propane are eligible for a rate discount.
    • Early Shopping - Purchase a new Auto insurance policy with Farmers at least 7 days before your current policy expires, and as long as there’s no lapse in coverage, we’ll discount your premium rate.
    • Electronic Funds Transfer (EFT) - Get a discounted rate when you log-in or register your account, and enroll in Farmers automatic electronic payments plan.
    • Homeowner - Farmers will discount your policy if you own your home.
    • Paying In Full - Get a lower premium rate when you choose to pay for your entire term in one lump sum.
    • Transfer - Ready to switch to Farmers insurance? Transfer your coverage from another approved carrier, with no lapse in coverage and we’ll discount your rate.
    • Paperless - With a Paperless policy, you can view your insurance policy and other documents online.  New or existing Home insurance policyholders can get a discount just for enrolling in our Paperless policies.
  • Classroom Discounts:

    Good Student - Farmers discounts coverage for young (under 25) Arizonan student drivers who meets one of the following academic standards:

                 - Maintain a “B” average or better

                 - Maintain a 3.0 (out of 4.0) grade point average or higher

                 - Make Dean’s List or Honor Roll

                 - Rank in the top 20% of their class, or on recognized standardized tests

    This discount applies for a 12 month period, and must be reinstated each school year. To qualify, please contact Farmers with any applicable documentation (report card, transcript, etc.).

Homeowner Insurance Discounts

As a homeowner in the Copper state, you need to protect yourself and your home from the desert climate and its unexpected damages. But you can get greatcoverage for a great value, too. Learn more about Farmers Homeowners Insurance discounts to see if you qualify for additional savings:  

  • Discounts for the Household:

    • Affinity - Members of a qualifying Arizona organization or business may be eligible for a rate discount. Contact us and we’ll let you know if you qualify.
    • Bundle Discounts - Purchase your Homeowners and Auto insurance coverage from Farmers, and save on both policies with our multi-line bundle discounts.
    • Non Smoker - If everyone in your household is a non-smoker, and hasn’t smoked in the past 2 years, you may qualify for this discount.
    • Retirement Community Discount - Homes located in approved retirement communities may be eligible for an additional insurance discount.
    • Paperless - With a Paperless policy, you can view your insurance policy and other documents online. New customers or existing Home insurance policyholders can get a discount just for enrolling their policies in Paperless.
  • Home Upkeep Discounts:

    • Home Renovation - Homeowners who’ve recently replaced or renovated their heating and electrical or plumbing systems are eligible for a rate discount.
    • New Home - If your home was built within the past 14 years, you may be eligible for the New Home discount.
    • New Roof - Get a discounted rate if your home’s roof is new or was replaced within the last 6 years.
    • UL Approved Roof Rating - Receive a discount if your roofing materials have been tested by Underwriters Laboratories and certified for its impact resistance.
  • Home Safety Discounts:

    • Home Safety -  You may be eligible for a discounted premium if you’ve added loss-prevention measures to your home, such as:

                 - Fortified windows, doors, roof, walls, and foundation to protect against severe weather

                 - Whole House Leak Detection, which shuts off the main water service if a leak is detected

                 - ENERGY STAR or EPA Certified for energy efficiency

                 - LEED Certified for high-performance green homes

                 - Automatic Gas Shutoff Valves to protect from fire

    • Protective Devices - Use a burglar alarm, fire alarm, or fire protection sprinklers in your home, and Farmers rewards your safe choices with a premium discount.

You may be eligible for one or more of these discounts, subject to documentation. Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary. Not all products and discounts are available in every state.  Please contact a Farmers agent for details.