Arizona Insurance Discounts

Auto Insurance Discounts

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

Discounts for the Family

Multi-line 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
  • Condo
  • Mobile Home-Specialty Dwelling
  • Farmers Specialty (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 - 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 - If your child goes away for school more than 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 - 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, 24 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.

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 great coverage for a great value, too. Learn more about Farmers Homeowners Insurance discounts to see if you qualify for additional savings:

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.

U L 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

secure home icon
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.

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.