Alabama Insurance Discounts

Auto Insurance Discounts

Are you getting all of the discounts you deserve as a good driver? Learn more about Farmers Auto Insurance discounts, and see how you may qualify for additional savings:

Potential ways you could save:

Discounts for the Family

Multi-line Discounts - Purchase multiple policies with Farmers, and get more savings. To qualify for multi-policy discounts, cover your vehicle, along with any of the following Farmers policies:
  • Home
  • Condo
  • Mobile Home-Speciality Dwelling
  • Farmers Speciality (motorcycle, family boat, motor home, travel trailer, rec vehicle, etc.)
  • Renters
  • Life

Signal® by Farmers - Sign up, download and use the Signal app and you’ll receive a 5% discount on your auto policy, with an opportunity to earn up to 15% each time you renew your policy. You can save an additional 10% if you have a young driver in your household. Learn more about Signal® by Farmers

Business and Professional Group - As a member of a business or professional group in Alabama, you may be eligible for an insurance discount. Contact us to see if your group qualifies.

Distant Student - If your child goes away for school at least 100 miles from your home, does not have regular access to your covered car, and meets age limits, you may be eligible for this discount. Check with your local Farmers agent for details.

Multi-Car - Cover more than one vehicle under the same Farmers Auto policy to qualify for this additional premium discount.

Teen Driver - Single licensed drivers under 19 get a discounted rate, as the child or grandchild of the primary driver on the policy.

Youthful Driver - Earn this discount if you have drivers under 25 years old in your household.

Planning Ahead Discounts

Alternative Fuel - Lower your Auto insurance rates when you drive a car fueled by new alternative resources like electric / gasoline hybrid, electric, ethanol, methanol, compressed natural gas, or propane.

Electronic Funds Transfer (EFT) - Get an automatic rate discount when you log-in or register your account, and enroll in Farmers automatic (E F T) payments.

Homeowner - If you own your home in Alabama, you’re eligible for a discounted rate on your Auto insurance.

Pay In Full - Pay your full term premium in one lump sum and you’ll get a discounted rate.

Transfer - Switch your Auto insurance from certain standard carriers to Farmers with no lapse in coverage to get a rate discount.

Classroom Discounts

Good Student - Adding young drivers (under 25) to your policy can sometimes affect your rates. But good students are typically less risky, so Farmers discounts their coverage if they meet 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

Discount applies for a 12 month period. To qualify, please contact Farmers with any applicable documentation (report card, transcript, etc.).

Mature Driver - In Alabama, drivers over 55 who’ve completed a state-approved Safe Driver Program anytime within the past 3 years are eligible for an additional rate discount.

Homeowner Insurance Discounts


Are you getting all of the discounts you qualify for as a home owner in Alabama? Learn more about Farmers Homeowners Insurance discounts and see if you qualify for additional savings:

Discounts for the Household

Affinity - Employees of eligible Alabama business or members of certain professional groups may be eligible for an additional rate discount. Contact us to see if you qualify.

Multi-line Discounts - Carry multiple Farmers policies and save across the board. Cover your Home, along with your Auto insurance and/or Life insurance to qualify for multi-policy discounts.

Home Upkeep Discounts

Home Renovation - If you’ve recently replaced or renovated your home’s heating and electrical, or plumbing systems you’re eligible for a rate discount.

New Home - If your home was built within the past 13 years, you’re eligible for this added discount.

U L Approved Roofing Materials - Certain roofs may qualify you for this discount if they are made of impact resistant materials like asphalt shingles or asphalt fiberglass, approved and tested by Underwriters Laboratories.

Home Safety Discounts

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Home Safety - Farmers wants your home to be as safe as possible. So we apply this discount if your home is:
  • Fortified with added protection to windows, doors, and improved connections between the roof, walls, and foundation to guard against natural disasters and extreme weather.
  • Equipped with Whole House Water Leak Detection to shut off the main water service when a leak is found.
  • ENERGY STAR or EPA Certified for energy efficiency.
  • LEED Certified for high-performance green homes.
  • Equipped with an Automatic Gas Shutoff Valve.

Protective Devices - Burglar alarms, central fire alarms, and fire protection sprinklers help to protect your home from serious risk, so Farmers rewards you with a rate discount for having them.

Connected Home - also known as a smart home – may earn you a discount on your Farmers Insurance® Home policy. Having a Connected Home is a smart way of using technologies to help you monitor your home 24/7 – both when you're home and when you're away.

Simplify and save

Find out about multi-line insurance discounts when you buy an auto policy with a home policy.

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.

Once you enroll in Signal® by Farmers® and complete 10 qualifying trips using the app, you will receive an initial 5% discount on your Farmers Insurance® auto policy. Only one discount can be applied per policy, regardless of the number of enrolled drivers who complete 10 trips. At renewal, the Signal discount may increase or decrease based on the percentage of enrolled drivers on your auto policy using the app and their driving scores. Your renewal discount could range between 0.5% and 15%, except in Colorado where your renewal discount can range from 0.5% to 20% and in Florida where your renewal discount will be 5%.

The youthful driver component of the Signal discount is not available in Florida and Georgia.

Restrictions apply. Discounts may vary. Not available in all states. See your agent for details. Insurance is underwritten by Farmers Insurance Exchange and other affiliated Insurance entities. Visit for a complete listing of entities. Not all insurers are authorized to provide insurance in all states. Coverage not available in all states.