Arkansas Insurance Discounts

Auto Insurance Discounts

From the highlands to the lowlands, Farmers protects Arkansans with quality auto insurance. But before you get a quote, know that you’re getting all of the discounts you deserve from a quality carrier:

Discounts for the Family


Multi-line Discounts – Multiple Farmers policies is a great way to save money and cover all of your important investments. When you combine your Farmers Auto insurance with any of the following policies, 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 – Are you a teacher, doctor, nurse, accountant or engineer? Professional groups like these in Arkansas may qualify for special discounts. Contact us and we’ll see if you qualify!

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 insurance policy and receive a rate discount.

Teen Driver – A teen (19 or younger) child or grandchild of the primary driver may be eligible for a rate discount.

Planning Ahead Discounts


Alternative Fuel – Invest in a vehicle that uses alternative fuels like electric, electric/gasoline hybrid, ethanol, methanol, compressed natural gas, or propane, and you may be eligible for an insurance rate discount.

Electronic Funds Transfer (EFT) – Enroll in the Farmers automatic electronic payment plan when you log-in or register your account, and receive an extra insurance discount.

Homeowner – Arkansas policyholders are eligible for an additional discount if they own their home.

Pay In Full – Choose to pay your entire term premium in one lump sum, and Farmers will discount your rate.

Transfer – Transfer your insurance from another carrier to Farmers with no lapse in coverage and we’ll discount your rate.

Classroom Discounts


Good Student – Do well in school, and Farmers discounts coverage for young (under 25) Arkansas drivers who meet one of the following academic criteria:

  • Maintain a “B” average or better
  • College students with a 3.0 (out of 4.0) grade point average or higher
  • Dean’s List or Honor Roll students
  • Students ranked in the top 20% of their class, or on recognized standardized tests

Be ready to submit proof of eligibility (a copy of a report card, grade-point average, etc.) when requesting this discount.

Mature Driver – Arkansas drivers, 55 or older, get a premium discount if they’ve completed a state-approved Safe Driving Program within the last 3 years. This discount applies to your bodily injury, property damage, medical payments, and collision coverage.

Home Insurance Discounts

Learn more about Farmers Homeowners insurance discounts to see if you qualify for additional savings.

Discounts for the Household


Affinity - Employees or retirees from qualified occupations or professional groups may qualify for an additional discount.

Multi-line Discounts - Combine coverages and save. Have Farmers Homeowners insurance with Farmers Auto and/or Life insurance, and we’ll reduce your premium with a multi-policy discount.

Non-Smoker – Qualify for an additional discount if no one in the household has smoked in the past 2 years.

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


New Home – Homes built within the past 12 years may be eligible for the New Home credit.

U L Approved Roofing Materials – Impact resistant roofing materials, approved and tested by Underwriters Laboratories, may qualify for this discount.

Home Safety Discounts

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Home Safety – You may be eligible for a discounted premium if you’ve added loss-prevention measures or environmentally-friendly features to your home, such as

  • 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 – If your home is protected with burglar alarms, central station alarms, fire alarms or automatic fire-protective sprinklers, you may be eligible for this discount.

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.

Rent To Own Discount


Are you a renter planning the purchase of your first home? Be sure to ask your agent about our Rent to Own discount. It’s available if you have an existing Farmers® renters policy and stay with us when choosing new home coverage.

Adding products could help you save

When you purchase more than one insurance policy from Farmers®, you may qualify for discounts. Find out if adding new coverage will help you save.

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.